This bill, known as the Marketplace Fraud Accountability Act , aims to enhance the security of the healthcare.gov website by requiring the implementation of multi-factor authentication (MFA) . This mandate applies to individuals attempting to enroll in qualified health plans through an Exchange or access any personalized information related to such enrollment. The Secretary is directed to implement this requirement within one year of the bill's enactment, with the amendments applying to plan years beginning one year after enactment. Multi-factor authentication is defined as verifying identity through two or more distinct authentication factors, including knowledge (like a password), possession (like a token), or inherence (like biometrics). However, the requirement includes specific exceptions for individuals who lack access to broadband or cellular service, or who are otherwise unable to use MFA for reasons determined by the Secretary.