US HR902

Extends enhanced Affordable Care Act premium tax credits for taxable years 2026 and 2027, with households earning up to 150% of the poverty line paying 0% of income toward premiums and eligibility expanded from 400% to 935% of the federal poverty line

Establishes civil penalties of $10,000-$50,000 for agents and brokers who negligently provide incorrect enrollment information, and up to $200,000 for knowing violations, plus criminal penalties of up to 10 years imprisonment for willful fraud

Requires verification processes for broker-assisted enrollments in federal exchanges by January 1, 2029, including standardized consent forms, commission payment delays until inconsistencies are resolved, and mandatory notification to enrollees of coverage changes

Creates regulatory framework for field marketing organizations and third-party marketing organizations participating in exchange enrollment, requiring registration with HHS, marketing material approval, and prohibition on compensating unlicensed individuals for referrals

Extends the 2026 open enrollment period for health insurance exchanges from November 1, 2025 through May 15, 2026, and requires quarterly Death Master File checks to remove deceased individuals from exchange plans