MFA Act

Key Points

• This bill requires people to use more than just a password to log into healthcare.gov. Users would need a second form of identification, such as a code sent to a phone or a physical security key, to prove who they are.
• The change aims to stop identity theft and protect private medical data. It makes it much harder for scammers to access accounts even if they find out a user's password.
• The rule would apply to anyone signing up for health insurance or looking at their personal account details. It would take effect about one year after the bill becomes law to give the government time to update the website.
• People who live in areas without good cell service or internet would not be forced to use this system. The government will also create special rules for those who physically cannot use the extra security steps.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.