Summary

Adds new civil and criminal penalties for insurance agents and brokers who give incorrect or fraudulent Exchange enrollment or eligibility information. Negligent mistakes can trigger civil fines of $10,000–$50,000 per affected individual; knowingly false or fraudulent submissions can lead to civil fines up to $200,000 per individual and criminal penalties (fines and up to 10 years in prison). The bill also reorganizes and clarifies related statutory language and procedure references.

• Creates a new per-individual civil penalty of $10,000–$50,000 for negligent misinformation by agents or brokers on Exchange enrollment/eligibility matters.
• Imposes civil penalties up to $200,000 per individual for knowingly false or fraudulent Exchange enrollment information.
• Establishes criminal penalties for knowing and willful fraud: fines and up to 10 years imprisonment under federal criminal law.
• Specifies that certain civil enforcement procedures follow the Social Security Act's enforcement framework (section 1128A) with exclusions.
• Reorganizes statutory text and adds a definitions heading to clarify terms like negligence and disregard.
• Penalties apply per affected individual, increasing potential liability for widespread errors or fraudulent conduct.
• No new funding, program authorizations, or explicit effective date are specified in the provided text.
• Targets agents and brokers who assist with Exchange enrollment and eligibility information rather than insurers or consumers directly.
• Adds both administrative/civil and criminal enforcement tools, expanding the government's remedies for enrollment-related misconduct.