People would get more protection from being signed up for, or moved between, federal marketplace health plans without clear consent. Agents, brokers, and marketing groups could face tougher rules, big fines, and prison time for knowing fraud.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Insurance Fraud Accountability Act is a Senate bill in committee. The latest recorded action: Committee on Homeland Security and Governmental Affairs Senate Permanent Subcommittee on Investigations. Hearings held.
Latest action on S. 976: Committee on Homeland Security and Governmental Affairs Senate Permanent Subcommittee on Investigations. Hearings held.
Who this affects: This bill mainly affects people who buy health insurance through federal Affordable Care Act marketplaces and the agents, brokers, and marketing groups that help them enroll. Consumers would get more notice and control when their plan or account changes. Agents and brokers would face stricter proof, conduct, and penalty rules. Marketing groups, health plans, states, and federal officials would have more reporting, review, and enforcement work.
Why this matters: People can lose money, coverage, or access to care when someone signs them up for a health plan or changes their plan without clear permission. This bill tries to stop that by requiring proof of consent, faster notices, stronger penalties, and more oversight. It could make fraud easier to find and punish. It could also add delays, paperwork, and costs for people and companies that help consumers enroll.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Insurance Fraud Accountability Act
People would get more protection from being signed up for, or moved between, federal marketplace health plans without clear consent. Agents, brokers, and marketing groups could face tougher rules, big fines, and prison time for knowing fraud.
Use this page to support, oppose, or ask Congress to amend S976. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Health
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
The debate
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (3/12/2025)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Insurance Fraud Accountability Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S976, your stance, and the reasons you choose, then lets you edit and send when ready.
