Creates new federal rules to stop fraudulent enrollments in qualified health plans by tightening oversight of agents, brokers, and marketing organizations. It imposes civil and criminal penalties for false information, requires verification for agent-assisted enrollments, mandates audits and reporting, and gives the Secretary authority to set marketing standards.

Requires implementation of many new rules for plan years beginning on a date set by the Secretary but no later than January 1, 2029, which will increase compliance duties for brokers, insurers, marketing firms, and federal agencies while aiming to reduce improper enrollments and related program fraud.