{
  "legislationId": "119_HR_7860",
  "lastUpdate": "2026-03-25T12:27:47.226Z",
  "history": [
    {
      "timestamp": "2026-03-25T12:27:47.226Z",
      "source_url": "https://www.congress.gov/119/bills/hr7860/BILLS-119hr7860ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7860 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7860 To amend the Patient Protection and Affordable Care Act to address fraudulent enrollments in the Exchanges. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 9, 2026 Mr. Barrett introduced the following bill; which was referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned _______________________________________________________________________ A BILL To amend the Patient Protection and Affordable Care Act to address fraudulent enrollments in the Exchanges. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Stop ACA Enrollment Fraud Act of 2026''. SEC. 2. PREVENTING DUPLICATE ENROLLMENTS IN EXCHANGES. Section 1411 of the Patient Protection and Affordable Care Act (42 U.S.C. 18081) is amended by adding at the end the following new subsection: ``(j) Preventing Duplicate Enrollments.--Not later than 60 days after the date of the enactment of this subsection, the Secretary shall-- ``(1) establish, as part of the program established under subsection (a), a process for identifying whether the social security number provided by an individual who is to be covered in the individual market by a qualified health plan offered through an Exchange is identical to the social security number of any enrollee in any Exchange under this title enrolled for the same period in which such coverage is to be effective; and ``(2) in the case that identical social security numbers are so identified under paragraph (1), take such actions as are necessary to ensure that duplicative advance payments of premium tax credits under section 1412 are not made with respect to an individual.''. SEC. 3. ENSURING CONSENT FOR AGENT AND BROKER ENROLLMENTS. Section 1312(e) of the Patient Protection and Affordable Care Act (42 U.S.C. 18032(e)) is amended-- (1) by redesignating paragraphs (1) and (2) as subparagraphs (A) and (B), respectively, and adjusting the margins accordingly; (2) in the matter preceding subparagraph (A), as so redesignated, by striking ``The Secretary shall establish'' and inserting the following: ``(1) In general.--The Secretary shall establish''; and (3) by adding at the end the following new paragraph: ``(2) Consent.-- ``(A) In general.--The procedures established under paragraph (1) shall provide that, with respect to the enrollment of individuals and employers in qualified health plans in the individual or small group market offered through an Exchange for plan years beginning on or after January 1, 2027, no such enrollment made through an agent or broker is effectuated prior to such individual or employer (as applicable) consenting to such enrollment through the mechanism established by the Secretary under subparagraph (B). ``(B) Consent mechanism.--For purposes of subparagraph (A), the mechanism described in this subparagraph is a mechanism established and operated by the Secretary under which an individual or employer gives consent with respect to an enrollment of such individual or employer described in such subparagraph. Such mechanism may not accept an attestation of such individual's consent provided by the agent or broker enrolling such individual or employer as evidence of such individual's or employer's consent.''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Stop ACA Enrollment Fraud Act: New Protections for Health Insurance Consumers\nSummary: This bill introduces protections to prevent unauthorized health insurance enrollments by agents or brokers. It aims to eliminate duplicate enrollments and incorrect tax credit payments through stricter verification.\nKey Points: Verification of Social Security numbers to prevent multiple active insurance plans for one person., Requirement for explicit consumer consent before an agent or broker can complete an enrollment., Prevention of duplicate premium tax credit payments to ensure fair use of public funds., Establishment of a secure consent mechanism that cannot be bypassed by insurance agents.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-03-25T12:16:04.763Z",
      "source_url": "https://www.congress.gov/119/bills/hr7860/BILLS-119hr7860ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7860 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7860 To amend the Patient Protection and Affordable Care Act to address fraudulent enrollments in the Exchanges. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 9, 2026 Mr. Barrett introduced the following bill; which was referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned _______________________________________________________________________ A BILL To amend the Patient Protection and Affordable Care Act to address fraudulent enrollments in the Exchanges. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Stop ACA Enrollment Fraud Act of 2026''. SEC. 2. PREVENTING DUPLICATE ENROLLMENTS IN EXCHANGES. Section 1411 of the Patient Protection and Affordable Care Act (42 U.S.C. 18081) is amended by adding at the end the following new subsection: ``(j) Preventing Duplicate Enrollments.--Not later than 60 days after the date of the enactment of this subsection, the Secretary shall-- ``(1) establish, as part of the program established under subsection (a), a process for identifying whether the social security number provided by an individual who is to be covered in the individual market by a qualified health plan offered through an Exchange is identical to the social security number of any enrollee in any Exchange under this title enrolled for the same period in which such coverage is to be effective; and ``(2) in the case that identical social security numbers are so identified under paragraph (1), take such actions as are necessary to ensure that duplicative advance payments of premium tax credits under section 1412 are not made with respect to an individual.''. SEC. 3. ENSURING CONSENT FOR AGENT AND BROKER ENROLLMENTS. Section 1312(e) of the Patient Protection and Affordable Care Act (42 U.S.C. 18032(e)) is amended-- (1) by redesignating paragraphs (1) and (2) as subparagraphs (A) and (B), respectively, and adjusting the margins accordingly; (2) in the matter preceding subparagraph (A), as so redesignated, by striking ``The Secretary shall establish'' and inserting the following: ``(1) In general.--The Secretary shall establish''; and (3) by adding at the end the following new paragraph: ``(2) Consent.-- ``(A) In general.--The procedures established under paragraph (1) shall provide that, with respect to the enrollment of individuals and employers in qualified health plans in the individual or small group market offered through an Exchange for plan years beginning on or after January 1, 2027, no such enrollment made through an agent or broker is effectuated prior to such individual or employer (as applicable) consenting to such enrollment through the mechanism established by the Secretary under subparagraph (B). ``(B) Consent mechanism.--For purposes of subparagraph (A), the mechanism described in this subparagraph is a mechanism established and operated by the Secretary under which an individual or employer gives consent with respect to an enrollment of such individual or employer described in such subparagraph. Such mechanism may not accept an attestation of such individual's consent provided by the agent or broker enrolling such individual or employer as evidence of such individual's or employer's consent.''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Stop oszustwom ubezpieczeniowym: nowe zasady zapisów na ubezpieczenie zdrowotne\",\n  \"pl_summary\": \"Ustawa wprowadza mechanizmy chroniące przed niechcianym zapisaniem do planu zdrowotnego przez agentów. Dzięki weryfikacji danych, system zablokuje podwójne ubezpieczenia i błędne wypłaty dopłat do składek.\",\n  \"pl_key_points\": [\n    \"Weryfikacja numeru Social Security, aby zapobiec posiadaniu dwóch polis jednocześnie przez tę samą osobę.\",\n    \"Konieczność osobistego potwierdzenia zgody na ubezpieczenie przed działaniem agenta lub brokera.\",\n    \"Zablokowanie możliwości oszukańczego pobierania ulg podatkowych na ubezpieczenie zdrowotne.\",\n    \"Nowy system potwierdzania woli klienta, który nie pozwala agentom na samodzielne podpisywanie zgód.\"\n  ],\n  \"eng_ai_title\": \"Stop ACA Enrollment Fraud Act: New Protections for Health Insurance Consumers\",\n  \"eng_summary\": \"This bill introduces protections to prevent unauthorized health insurance enrollments by agents or brokers. It aims to eliminate duplicate enrollments and incorrect tax credit payments through stricter verification.\",\n  \"eng_key_points\": [\n    \"Verification of Social Security numbers to prevent multiple active insurance plans for one person.\",\n    \"Requirement for explicit consumer consent before an agent or broker can complete an enrollment.\",\n    \"Prevention of duplicate premium tax credit payments to ensure fair use of public funds.\",\n    \"Establishment of a secure consent mechanism that cannot be bypassed by insurance agents.\"\n  ],\n  \"de_ai_title\": \"Gesetz gegen Betrug bei der Krankenversicherung: Neue Regeln für ACA-Anmeldungen\",\n  \"de_summary\": \"Dieses Gesetz führt Schutzmaßnahmen ein, um unbefugte Anmeldungen zur Krankenversicherung durch Makler zu verhindern. Es stoppt Doppelversicherungen und fehlerhafte Steuergutschriften durch eine bessere Datenprüfung.\",\n  \"de_key_points\": [\n    \"Überprüfung der Sozialversicherungsnummern zur Vermeidung von doppelten Versicherungsverträgen.\",\n    \"Verpflichtende Zustimmung des Bürgers, bevor ein Makler eine Versicherung abschließen darf.\",\n    \"Verbot für Makler, die Zustimmung eines Kunden ohne dessen direkte Bestätigung vorzutäuschen.\",\n    \"Sicherstellung, dass staatliche Zuschüsse nur einmal pro Person ausgezahlt werden.\"\n  ],\n  \"fr_ai_title\": \"Loi contre la fraude à l'assurance maladie : nouvelles règles d'inscription\",\n  \"fr_summary\": \"Cette loi instaure des protections pour empêcher les inscriptions non autorisées à l'assurance maladie par des courtiers. Elle vise à éliminer les doubles inscriptions et les erreurs de crédits d'impôt.\",\n  \"fr_key_points\": [\n    \"Vérification des numéros de sécurité sociale pour éviter qu'une personne ne soit inscrite deux fois.\",\n    \"Exigence d'un consentement explicite du citoyen avant toute inscription effectuée par un intermédiaire.\",\n    \"Mise en place d'un système de confirmation directe par l'assuré pour éviter les abus des agents.\",\n    \"Protection contre le versement injustifié de crédits d'impôt pour les primes d'assurance.\"\n  ],\n  \"es_ai_title\": \"Ley contra el fraude en seguros médicos: nuevas protecciones para ciudadanos\",\n  \"es_summary\": \"Esta ley introduce medidas para evitar inscripciones no autorizadas en seguros de salud realizadas por agentes. Busca eliminar inscripciones duplicadas y pagos incorrectos de subsidios fiscales.\",\n  \"es_key_points\": [\n    \"Verificación de números de seguro social para evitar que una persona tenga dos seguros activos.\",\n    \"Requisito de consentimiento directo del ciudadano antes de que un agente tramite su seguro.\",\n    \"Prohibición de que los agentes certifiquen el consentimiento sin una confirmación real del interesado.\",\n    \"Control estricto para evitar el cobro duplicado de créditos fiscales para primas de seguros.\"\n  ],\n  \"it_ai_title\": \"Stop alle frodi assicurative: nuove regole per l'iscrizione alla sanità\",\n  \"it_summary\": \"Questa legge introduce tutele per impedire iscrizioni non autorizzate all'assicurazione sanitaria da parte di intermediari. Mira a eliminare le doppie iscrizioni e i pagamenti errati dei crediti d'imposta.\",\n  \"it_key_points\": [\n    \"Verifica dei numeri di previdenza sociale per evitare doppie coperture assicurative per la stessa persona.\",\n    \"Obbligo di consenso esplicito del cittadino prima che un broker possa procedere all'iscrizione.\",\n    \"Creazione di un sistema di conferma diretta per evitare dichiarazioni false da parte degli agenti.\",\n    \"Blocco dei pagamenti duplicati dei crediti d'imposta per i premi assicurativi.\"\n  ],\n  \"nl_ai_title\": \"Wet tegen fraude bij zorgverzekeringen: nieuwe regels voor inschrijving\",\n  \"nl_summary\": \"Deze wet introduceert maatregelen om ongeautoriseerde inschrijvingen voor zorgverzekeringen door tussenpersonen te voorkomen. Het doel is dubbele verzekeringen en onterechte belastingvoordelen te stoppen.\",\n  \"nl_key_points\": [\n    \"Controle van burgerservicenummers om te voorkomen dat iemand dubbel verzekerd is.\",\n    \"Verplichte toestemming van de burger voordat een tussenpersoon een verzekering kan afsluiten.\",\n    \"Verbod voor tussenpersonen om namens de klant toestemming te geven zonder directe bevestiging.\",\n    \"Voorkomen van dubbele uitbetalingen van belastingvoordelen voor zorgpremies.\"\n  ],\n  \"pt_ai_title\": \"Lei contra fraude em seguros de saúde: novas regras de inscrição\",\n  \"pt_summary\": \"Esta lei introduz proteções para impedir inscrições não autorizadas em seguros de saúde por corretores. Visa eliminar inscrições duplicadas e pagamentos indevidos de créditos fiscais.\",\n  \"pt_key_points\": [\n    \"Verificação de números de segurança social para evitar que uma pessoa tenha dois seguros ativos.\",\n    \"Exigência de consentimento direto do cidadão antes de qualquer inscrição feita por um agente.\",\n    \"Proibição de corretores atestarem o consentimento sem uma confirmação oficial do interessado.\",\n    \"Garantia de que os subsídios fiscais para seguros não sejam pagos em duplicado.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Taxes\"\n  ]\n}"
    }
  ]
}