A Republican bill with 4 Republican cosponsors · See all 4 cosponsors
Last activity — Referred to the House Committee on Ways and Means.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The HSA Modernization Act aims to update the Internal Revenue Code of 1986 regarding health savings accounts. It expands eligibility for various groups, including certain veterans and individuals entitled to Medicare Part A by age. The bill clarifies rules for individuals receiving Indian Health Service assistance and includes bronze or catastrophic plans as high deductible health plans. It also establishes a safe harbor for mental health service deductibles and adjusts how medical expenses are treated when an account is first established. Additionally, the act allows married spouses to share catch-up contributions and updates maximum contribution limits.
Yes· 3 of 13
- Scored +5
Would people over 65 be better off under this?
The bill expands HSA eligibility to individuals entitled to Medicare Part A by reason of age.
- Scored +5
Would Native Americans be better off under this?
The bill ensures individuals receiving Indian Health Service assistance can still participate in HSAs.
- Scored +5
Would veterans be better off under this, taking everything together?
The bill expands HSA eligibility to veterans receiving certain benefits without service-connected disabilities.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Expanded HSA Access for Veterans: Individuals who have certain veterans benefits but do not have a service-connected disability can now contribute to an HSA (Section 2).
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Expanded HSA Access for Seniors: Individuals entitled to Medicare Part A due to age are permitted to contribute to an HSA (Section 3).
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Protection for Indian Health Service Recipients: People receiving medical services through an Indian Health Service or tribal organization will not be disqualified from having an HSA (Section 4).
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Increased Plan Options: Bronze and catastrophic plans will now be treated as high deductible health plans, allowing for more plan choices (Section 5).
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Mental Health Coverage Flexibility: Plans can now have a deductible of up to $500 for mental health benefits without losing their status as a high deductible health plan (Section 6).
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Easier Account Setup for Expenses: This provision allows medical expenses incurred just before an account is established to be treated as qualified expenses if the account is set up within a 60-day period (Section 7).
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Benefits for Married Couples: Spouses can now divide contribution limitations and share catch-up contributions for those age 55 or older (Section 8).
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Increased Contribution Limits: The maximum contribution amounts for self-only and family coverage are adjusted to align with the amount of the deductible and out-of-pocket limitations (Section 9).
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Long-Term Care Support: HSA distributions can now include amounts paid for qualified long-term care services (Section 10).
Potential Negative Impacts for People
- There are no specific negative impacts or burdens explicitly detailed within the provided text of the bill.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would Native Americans be better off under this? — The bill ensures individuals receiving Indian Health Service assistance can still participate in HSAs. Would people over 65 be better off under this? — The bill expands HSA eligibility to individuals entitled to Medicare Part A by reason of age. Would veterans be better off under this, taking everything together? — The bill expands HSA eligibility to veterans receiving certain benefits without service-connected disabilities. Would middle-income households be better off under this? — The bill increases HSA contribution limits and provides more flexibility for married couples. Would retired people be better off under this? — The bill expands HSA eligibility for those entitled to Medicare Part A and allows distributions for long-term care. Would households on low incomes be better off under this? — The bill allows for more flexible use of bronze and catastrophic plans within HSAs. Would people in middle age be better off under this? — The bill allows spouses to share catch-up contributions for those aged 55 or older.
- Healthcare
- Does this make health care easier to get in general? — The bill expands the ability to use HSAs through new plan types and clarified eligibility for various groups. Does this help veterans get medical care? — The bill expands HSA eligibility to certain veterans who do not have service-connected disabilities. Does this make mental health care easier to get? — The bill creates a safe harbor for mental health service deductibles of up to $500 to maintain HSA eligibility. Does this strengthen the Affordable Care Act? — The bill expands the definition of high deductible health plans to include bronze and catastrophic plans under the ACA.
- Social Issues And Justice
- Does this narrow racial gaps in how people are treated? — The bill clarifies that receiving Indian Health Service assistance does not disqualify individuals from participating in HSAs.
- Economy And Finance
- Does this cut taxes for middle-income families? — The bill increases HSA contribution limits and allows for more flexible sharing of catch-up contributions among spouses.
- 2/24/2026
- 1 Cosponsor added.
- 2/10/2026
- 1 Cosponsor added.
- 1/16/2025
- Referred to the House Committee on Ways and Means.
- 2 Cosponsors added.
- Introduced in House
3 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Don BaconRepublican · Nebraska
Dan CrenshawRepublican · Texas
Daniel MeuserRepublican · Pennsylvania
Robert WittmanRepublican · Virginia