{
  "legislationId": "119_HR_7861",
  "lastUpdate": "2026-03-26T12:29:41.067Z",
  "history": [
    {
      "timestamp": "2026-03-26T12:29:41.067Z",
      "source_url": "https://www.congress.gov/119/bills/hr7861/BILLS-119hr7861ih.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. 7861 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7861 To amend title XXVII of the Public Health Service Act and the Patient Protection and Affordable Care Act to provide for certain reforms with respect to medical loss ratios and reducing fraudulent enrollment in qualified health plans. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 9, 2026 Mr. Barrett (for himself and Mr. Riley of New York) introduced the following bill; which was referred to the Committee on Energy and Commerce _______________________________________________________________________ A BILL To amend title XXVII of the Public Health Service Act and the Patient Protection and Affordable Care Act to provide for certain reforms with respect to medical loss ratios and reducing fraudulent enrollment in qualified health plans. 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 ``Care Over Profits Act of 2026''. SEC. 2. INCREASING MEDICAL LOSS RATIO FOR HEALTH INSURANCE COVERAGE OFFERED IN SMALL GROUP AND INDIVIDUAL MARKETS. (a) In General.--Section 2718(b)(1)(A)(ii) of the Public Health Service Act (42 U.S.C. 300gg-18(b)(1)(A)(ii)) is amended by striking ``80'' each place it appears and inserting ``85''. (b) Effective Date.--The amendments made by this section shall apply with respect to plan years beginning on or after January 1, 2026. SEC. 3. IMPOSING PENALTIES ON AGENTS AND BROKERS FOR CERTAIN VIOLATIONS WITH RESPECT TO ENROLLMENT IN A QUALIFIED HEALTH PLAN OFFERED THROUGH AN EXCHANGE. (a) In General.--Section 1411(h)(1) of the Patient Protection and Affordable Care Act (42 U.S.C. 18081(h)(1)) is amended-- (1) in subparagraph (A)-- (A) by redesignating clause (ii) as clause (iv); (B) in clause (i)-- (i) by striking ``If--'' and all that follows through ``such person'' and inserting ``If any person (other than an agent or broker) fails to provide correct information under subsection (b) and such failure is attributable to negligence or disregard of any rules or regulations of the Secretary, such person''; and (ii) in the second sentence, by striking ``For purposes'' and inserting the following: ``(iii) Definitions of negligence, disregard.--For purposes''; (C) by inserting after clause (i) the following: ``(ii) Civil penalties for certain violations by agents or brokers.--If any agent or broker fails to provide correct information under subsection (b), or other information as part of an application for enrollment in a qualified health plan offered through an Exchange, as specified by the Secretary, and such failure is attributable to negligence or disregard of any rules or regulations of the Secretary, such agent or broker shall be subject, in addition to any other penalties that may be prescribed by law, including subparagraph (C), to a civil penalty of not less than $10,000 and not more than $50,000 with respect to each individual who is the subject of an application for which such incorrect information is provided.''; and (D) in clause (iv) (as so redesignated), by inserting ``or (ii)'' after ``clause (i)''; (2) in subparagraph (B)-- (A) by inserting ``including subparagraph (C),'' after ``law,''; (B) by striking ``Any person'' and inserting the following: ``(i) In general.--Any person''; and (C) by adding at the end the following: ``(ii) Civil penalties for knowing and willful violations by agents or brokers.-- ``(I) In general.--Any agent or broker who knowingly and willfully provides false or fraudulent information under subsection (b), or other false or fraudulent information as part of an application for enrollment in a qualified health plan offered through an Exchange, as specified by the Secretary, shall be subject, in addition to any other penalties that may be prescribed by law, including subparagraph (C), to a civil monetary penalty of not more than $200,000 with respect to each individual who is the subject of an application for which such false or fraudulent information is provided. ``(II) Procedure.--The provisions of section 1128A of the Social Security Act (other than subsections (a) and (b) of such section) shall apply to a civil monetary penalty under subclause (I) in the same manner as such provisions apply to a penalty or proceeding under section 1128A of the Social Security Act.''; and (3) by adding at the end the following: ``(C) Criminal penalties.--Any agent or broker who knowingly and willfully provides false or fraudulent information under subsection (b), or other false or fraudulent information as part of an application for enrollment in a qualified health plan offered through an Exchange, as specified by the Secretary, shall be fined under title 18, United States Code, imprisoned for not more than 10 years, or both.''. (b) Effective Date.--The amendments made by this section shall apply with respect to applications for enrollment in a qualified health plan offered through an Exchange for plan years beginning on or after January 1, 2027. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Care Over Profits Act: Higher Healthcare Spending and Fraud Prevention\nSummary: This bill requires insurance companies to spend a larger portion of your premiums on actual medical care rather than administrative costs and profits. It also introduces heavy fines and potential prison time for agents who submit fraudulent health insurance applications.\nKey Points: Insurance companies must now spend at least 85% of premium revenue on healthcare services (up from 80%), potentially leading to more rebates for consumers., Insurance agents face fines between $10,000 and $50,000 for negligent errors on insurance enrollment applications., Agents who knowingly provide false information face civil penalties of up to $200,000 per individual affected by the fraud., Intentional enrollment fraud can now result in criminal penalties, including up to 10 years in prison.\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": "2026-03-26T12:18:50.278Z",
      "source_url": "https://www.congress.gov/119/bills/hr7861/BILLS-119hr7861ih.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. 7861 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7861 To amend title XXVII of the Public Health Service Act and the Patient Protection and Affordable Care Act to provide for certain reforms with respect to medical loss ratios and reducing fraudulent enrollment in qualified health plans. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 9, 2026 Mr. Barrett (for himself and Mr. Riley of New York) introduced the following bill; which was referred to the Committee on Energy and Commerce _______________________________________________________________________ A BILL To amend title XXVII of the Public Health Service Act and the Patient Protection and Affordable Care Act to provide for certain reforms with respect to medical loss ratios and reducing fraudulent enrollment in qualified health plans. 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 ``Care Over Profits Act of 2026''. SEC. 2. INCREASING MEDICAL LOSS RATIO FOR HEALTH INSURANCE COVERAGE OFFERED IN SMALL GROUP AND INDIVIDUAL MARKETS. (a) In General.--Section 2718(b)(1)(A)(ii) of the Public Health Service Act (42 U.S.C. 300gg-18(b)(1)(A)(ii)) is amended by striking ``80'' each place it appears and inserting ``85''. (b) Effective Date.--The amendments made by this section shall apply with respect to plan years beginning on or after January 1, 2026. SEC. 3. IMPOSING PENALTIES ON AGENTS AND BROKERS FOR CERTAIN VIOLATIONS WITH RESPECT TO ENROLLMENT IN A QUALIFIED HEALTH PLAN OFFERED THROUGH AN EXCHANGE. (a) In General.--Section 1411(h)(1) of the Patient Protection and Affordable Care Act (42 U.S.C. 18081(h)(1)) is amended-- (1) in subparagraph (A)-- (A) by redesignating clause (ii) as clause (iv); (B) in clause (i)-- (i) by striking ``If--'' and all that follows through ``such person'' and inserting ``If any person (other than an agent or broker) fails to provide correct information under subsection (b) and such failure is attributable to negligence or disregard of any rules or regulations of the Secretary, such person''; and (ii) in the second sentence, by striking ``For purposes'' and inserting the following: ``(iii) Definitions of negligence, disregard.--For purposes''; (C) by inserting after clause (i) the following: ``(ii) Civil penalties for certain violations by agents or brokers.--If any agent or broker fails to provide correct information under subsection (b), or other information as part of an application for enrollment in a qualified health plan offered through an Exchange, as specified by the Secretary, and such failure is attributable to negligence or disregard of any rules or regulations of the Secretary, such agent or broker shall be subject, in addition to any other penalties that may be prescribed by law, including subparagraph (C), to a civil penalty of not less than $10,000 and not more than $50,000 with respect to each individual who is the subject of an application for which such incorrect information is provided.''; and (D) in clause (iv) (as so redesignated), by inserting ``or (ii)'' after ``clause (i)''; (2) in subparagraph (B)-- (A) by inserting ``including subparagraph (C),'' after ``law,''; (B) by striking ``Any person'' and inserting the following: ``(i) In general.--Any person''; and (C) by adding at the end the following: ``(ii) Civil penalties for knowing and willful violations by agents or brokers.-- ``(I) In general.--Any agent or broker who knowingly and willfully provides false or fraudulent information under subsection (b), or other false or fraudulent information as part of an application for enrollment in a qualified health plan offered through an Exchange, as specified by the Secretary, shall be subject, in addition to any other penalties that may be prescribed by law, including subparagraph (C), to a civil monetary penalty of not more than $200,000 with respect to each individual who is the subject of an application for which such false or fraudulent information is provided. ``(II) Procedure.--The provisions of section 1128A of the Social Security Act (other than subsections (a) and (b) of such section) shall apply to a civil monetary penalty under subclause (I) in the same manner as such provisions apply to a penalty or proceeding under section 1128A of the Social Security Act.''; and (3) by adding at the end the following: ``(C) Criminal penalties.--Any agent or broker who knowingly and willfully provides false or fraudulent information under subsection (b), or other false or fraudulent information as part of an application for enrollment in a qualified health plan offered through an Exchange, as specified by the Secretary, shall be fined under title 18, United States Code, imprisoned for not more than 10 years, or both.''. (b) Effective Date.--The amendments made by this section shall apply with respect to applications for enrollment in a qualified health plan offered through an Exchange for plan years beginning on or after January 1, 2027. <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\": \"Ustawa o przedkładaniu opieki nad zyski: Większe zwroty z ubezpieczeń i walka z oszustwami\",\n  \"pl_summary\": \"Ustawa zmusza firmy ubezpieczeniowe do wydawania większej części składek na faktyczne leczenie pacjentów zamiast na koszty administracyjne i zyski. Wprowadza również surowe kary finansowe i więzienie dla pośredników, którzy podają fałszywe dane podczas zapisywania obywateli na ubezpieczenie zdrowotne.\",\n  \"pl_key_points\": [\n    \"Firmy ubezpieczeniowe muszą teraz przeznaczać co najmniej 85% wpływów ze składek na opiekę medyczną (wcześniej 80%), co może oznaczać wyższe zwroty dla klientów.\",\n    \"Agenci ubezpieczeniowi zapłacą od 10 000 do 50 000 USD kary za błędy wynikające z zaniedbania przy składaniu wniosków o ubezpieczenie.\",\n    \"Za świadome podawanie fałszywych informacji agentom grozi do 200 000 USD kary za każdą osobę, której dotyczy oszustwo.\",\n    \"Wprowadzono karę do 10 lat więzienia za celowe oszustwa przy zapisach na plany zdrowotne.\"\n  ],\n  \"eng_ai_title\": \"Care Over Profits Act: Higher Healthcare Spending and Fraud Prevention\",\n  \"eng_summary\": \"This bill requires insurance companies to spend a larger portion of your premiums on actual medical care rather than administrative costs and profits. It also introduces heavy fines and potential prison time for agents who submit fraudulent health insurance applications.\",\n  \"eng_key_points\": [\n    \"Insurance companies must now spend at least 85% of premium revenue on healthcare services (up from 80%), potentially leading to more rebates for consumers.\",\n    \"Insurance agents face fines between $10,000 and $50,000 for negligent errors on insurance enrollment applications.\",\n    \"Agents who knowingly provide false information face civil penalties of up to $200,000 per individual affected by the fraud.\",\n    \"Intentional enrollment fraud can now result in criminal penalties, including up to 10 years in prison.\"\n  ],\n  \"de_ai_title\": \"Care Over Profits Act: Mehr Geld für Behandlungen und Schutz vor Betrug\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Versicherer, einen größeren Teil der Beiträge für tatsächliche medizinische Leistungen statt für Verwaltung und Gewinne auszugeben. Zudem werden harte Geldstrafen und Haftstrafen für Vermittler eingeführt, die bei Versicherungsanmeldungen betrügen.\",\n  \"de_key_points\": [\n    \"Versicherungsunternehmen müssen nun mindestens 85 % der Prämieneinnahmen für medizinische Leistungen verwenden (vorher 80 %).\",\n    \"Versicherungsvertreter zahlen bei fahrlässigen Fehlern in Anträgen Bußgelder zwischen 10.000 und 50.000 USD.\",\n    \"Bei vorsätzlich falschen Angaben drohen Vertretern Zivilstrafen von bis zu 200.000 USD pro betroffener Person.\",\n    \"Für bewussten Betrug bei der Anmeldung zur Krankenversicherung können bis zu 10 Jahre Haft verhängt werden.\"\n  ],\n  \"fr_ai_title\": \"Loi 'Le soin avant les profits' : plus de remboursements et lutte contre la fraude\",\n  \"fr_summary\": \"Cette loi oblige les assureurs à consacrer une plus grande part des cotisations aux soins médicaux réels plutôt qu'aux frais administratifs. Elle punit également sévèrement les agents qui fournissent de fausses informations lors des inscriptions aux assurances santé.\",\n  \"fr_key_points\": [\n    \"Les assureurs doivent désormais consacrer au moins 85 % des primes aux soins de santé (contre 80 % auparavant), ce qui peut augmenter les remboursements aux clients.\",\n    \"Les agents d'assurance risquent des amendes de 10 000 à 50 000 $ pour des erreurs par négligence dans les dossiers d'inscription.\",\n    \"En cas de fausses informations délibérées, les agents encourent des amendes allant jusqu'à 200 000 $ par personne concernée.\",\n    \"La fraude intentionnelle lors de l'inscription est désormais passible de peines allant jusqu'à 10 ans de prison.\"\n  ],\n  \"es_ai_title\": \"Ley de Cuidado sobre Ganancias: Más inversión en salud y combate al fraude\",\n  \"es_summary\": \"Esta ley exige que las aseguradoras gasten una mayor parte de las primas en atención médica real en lugar de gastos administrativos. También impone sanciones severas y posibles penas de cárcel para los agentes que presenten información falsa en las solicitudes de seguro.\",\n  \"es_key_points\": [\n    \"Las aseguradoras deben destinar al menos el 85% de las primas a servicios médicos (antes era el 80%), lo que podría generar más reembolsos para los usuarios.\",\n    \"Los agentes de seguros enfrentan multas de entre 10,000 y 50,000 dólares por errores por negligencia en las solicitudes.\",\n    \"Proporcionar información falsa a sabiendas conlleva multas de hasta 200,000 dólares por cada individuo afectado.\",\n    \"El fraude deliberado en la inscripción de seguros de salud puede castigarse con hasta 10 años de prisión.\"\n  ],\n  \"it_ai_title\": \"Legge 'La cura prima dei profitti': più rimborsi e lotta alle frodi assicurative\",\n  \"it_summary\": \"Questa legge obbliga le compagnie assicurative a spendere una quota maggiore dei premi per le cure mediche effettive anziché per i costi amministrativi. Introduce inoltre pesanti sanzioni e il carcere per gli agenti che forniscono informazioni false durante l'iscrizione.\",\n  \"it_key_points\": [\n    \"Le compagnie devono ora destinare almeno l'85% dei premi alle prestazioni sanitarie (rispetto al precedente 80%), favorendo possibili rimborsi agli assicurati.\",\n    \"Gli agenti rischiano multe da 10.000 a 50.000 dollari per errori dovuti a negligenza nelle domande di iscrizione.\",\n    \"Per dichiarazioni false intenzionali, gli agenti possono subire sanzioni fino a 200.000 dollari per ogni persona coinvolta.\",\n    \"Le frodi deliberate nelle iscrizioni sanitarie possono ora portare a una condanna fino a 10 anni di reclusione.\"\n  ],\n  \"nl_ai_title\": \"Wet 'Zorg boven Winst': Meer geld naar zorg en aanpak van fraude\",\n  \"nl_summary\": \"Deze wet verplicht verzekeraars om een groter deel van de premies aan daadwerkelijke medische zorg uit te geven in plaats van aan administratie en winst. Ook komen er zware boetes en gevangenisstraffen voor tussenpersonen die frauderen met verzekeringsaanvragen.\",\n  \"nl_key_points\": [\n    \"Verzekeraars moeten nu minimaal 85% van de premie-inkomsten aan zorg besteden (was 80%), wat kan leiden tot hogere terugbetalingen aan klanten.\",\n    \"Verzekeringsagenten riskeren boetes van 10.000 tot 50.000 dollar voor fouten door nalatigheid bij aanmeldingen.\",\n    \"Bij het opzettelijk verstrekken van valse informatie riskeren agenten boetes tot 200.000 dollar per gedupeerde persoon.\",\n    \"Op bewuste fraude bij de inschrijving voor een zorgverzekering staat voortaan een gevangenisstraf van maximaal 10 jaar.\"\n  ],\n  \"pt_ai_title\": \"Lei 'Cuidado acima dos Lucros': Mais investimento em saúde e combate à fraude\",\n  \"pt_summary\": \"Esta lei obriga as seguradoras a gastar uma parte maior dos prémios em cuidados médicos reais em vez de custos administrativos. Também impõe sanções severas e penas de prisão para agentes que forneçam informações falsas em candidaturas a seguros de saúde.\",\n  \"pt_key_points\": [\n    \"As seguradoras devem agora gastar pelo menos 85% das receitas dos prémios em serviços de saúde (antes 80%), o que pode resultar em mais reembolsos para os consumidores.\",\n    \"Agentes de seguros enfrentam multas entre 10.000 e 50.000 dólares por erros por negligência em formulários de inscrição.\",\n    \"Fornecer informações falsas intencionalmente pode resultar em multas de até 200.000 dólares por cada indivíduo afetado.\",\n    \"A fraude deliberada na inscrição em planos de saúde pode agora levar a penas de até 10 anos de prisão.\"\n  ],\n  \"category\": [\"Health\", \"Courts and Law\", \"Economy\"]\n}"
    }
  ]
}