Stop ACA Enrollment Fraud Act of 2026

This bill, known as the "Stop ACA Enrollment Fraud Act of 2026," seeks to enhance the integrity of the Affordable Care Act (ACA) Exchanges by addressing fraudulent enrollments and preventing improper payments. It mandates that the Secretary of Health and Human Services establish a process within 60 days to identify individuals with identical Social Security Numbers (SSNs) enrolled in qualified health plans for the same period. This measure is designed to prevent the issuance of duplicative advance payments of premium tax credits (APTCs) to the same individual, thereby safeguarding federal funds. Furthermore, the legislation amends ACA provisions related to agent and broker enrollments, effective for plan years beginning on or after January 1, 2027. It requires that all enrollments made through an agent or broker must receive direct consent from the individual or employer. The Secretary must establish a specific mechanism for obtaining this consent, explicitly prohibiting the acceptance of an agent's or broker's attestation as proof of consent. This provision aims to ensure that consumers actively agree to their health plan selections and to curb unauthorized enrollments.