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H.R. 9515, the Marketplace Fraud Accountability Act, would require the federal healthcare website (healthcare.gov) to implement multi-factor authentication for users enrolling in health insurance plans or accessing their enrollment information. Multi-factor authentication, as defined in the bill, would require users to verify their identity using at least two of three methods: something they know like a password, something they possess like a token, and biometric characteristics like a fingerprint. The Secretary of Health and Human Services would have one year from the bill's enactment to implement this requirement, with limited exceptions for individuals without broadband or cellular service access or those otherwise unable to use the technology. The changes would take effect for plan years beginning one year after the law is enacted, with no specific funding amount identified in the legislation.

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