A Democratic bill with 3 Republican cosponsors · See all 4 cosponsors
Last activity — Read twice and referred to the Committee on Finance.
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 Lowering Costs for Caregivers Act of 2025 seeks to amend the Internal Revenue Code of 1986. The bill proposes to allow expenses for a taxpayer's parent or a spouse's parent to be treated as medical expenses. This change would apply to Health Savings Accounts, Flexible Spending Arrangements, Health Reimbursement Arrangements, and Archer MSAs. These amendments are intended to address how medical care for parents is handled for tax purposes. The changes would take effect after December 31, 2025.
Yes· 3 of 4
- Scored +5
Would people over 65 be better off under this?
The bill makes it easier for caregivers to pay for the medical expenses of their elderly parents using tax-advantaged accounts.
- Scored +5
Would retired people be better off under this?
The bill indirectly benefits retirees by allowing their children to use tax-advantaged health accounts to cover their medical care.
- Scored +4
Would middle-income households be better off under this?
The bill provides tax advantages for those managing the healthcare costs of their aging parents.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Health Savings Accounts: This provision allows parents of the individual or the spouse to be included in the scope of medical expenses, which may provide financial relief for those caring for aging parents. Section 2
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Flexible Spending and Health Reimbursement Arrangements: The bill ensures that using funds from these arrangements for a parent's medical care does not result in the amount being included in the taxpayer's gross income. This could help families manage medical costs for parents more easily. Section 3
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Archer MSAs: By including parents in the definition of eligible medical expenses, this provision could provide more flexibility in using these accounts for family care. Section 4
Potential Negative Impacts for People
- There are no specific negative impacts or burdens described in 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 retired people be better off under this? — The bill indirectly benefits retirees by allowing their children to use tax-advantaged health accounts to cover their medical care. Would people over 65 be better off under this? — The bill makes it easier for caregivers to pay for the medical expenses of their elderly parents using tax-advantaged accounts. Would middle-income households be better off under this? — The bill provides tax advantages for those managing the healthcare costs of their aging parents.
- Economy And Finance
- Does this cut taxes for middle-income families? — The bill allows middle-income families to use tax-advantaged accounts like HSAs and FSAs to pay for a parent's medical expenses.
- 4/27/2026
- 1 Cosponsor added.
- 4/20/2026
- 1 Cosponsor added.
- 3/4/2026
- 1 Cosponsor added.
- 5/1/2025
- Read twice and referred to the Committee on Finance.
- 1 Cosponsor added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Marsha BlackburnRepublican · Tennessee
Bill CassidyRepublican · Louisiana
Amy KlobucharDemocrat · Minnesota
Lisa MurkowskiRepublican · Alaska