A Republican bill with no 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
This bill is called the "Health Savings Accounts For All Act of 2025" and it amends the Internal Revenue Code of 1986. It increases the limits on how much money people can contribute to their health savings accounts. The bill also lets people use health savings account funds to pay for things like direct primary care service arrangements, vitamins, dietary supplements, gym memberships, and wearable fitness trackers. Additionally, it allows certain medical expenses incurred before an account was established to be treated as qualified. Finally, the bill provides health savings accounts with the same bankruptcy protections given to retirement funds.
Yes· 3 of 19
- Scored +3
Would middle-income households be better off under this?
Provides middle-class households with enhanced tax-free savings tools for healthcare and wellness.
- Scored +3
Does this make health care easier to get in general?
Expands what can be purchased with HSA funds, including primary care arrangements and wellness items.
- Scored +2
Would children be better off under this?
Expands HSA eligibility and rollover benefits to children and dependents.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Section 2 increases the contribution limitations for health savings accounts, which allows individuals to save more money for their healthcare needs on a tax-favored basis.
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Section 5 allows certain medical expenses incurred before the health savings account was established to be treated as qualified medical expenses, provided they were incurred during the taxable year in which the account was established or the preceding taxable year before the tax return filing deadline. This benefits people by letting them use account funds for recent past medical costs.
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Section 7 allows a health savings account to be rolled over to a child, parent, or grandparent of the account holder upon death, rather than just a surviving spouse. This provides more flexibility for families to pass on unused medical savings.
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Section 8 expands what can be paid for using health savings accounts to include qualified wellness expenses such as vitamins, dietary supplements, gym memberships, and wearable fitness trackers, which helps individuals invest in their personal health and fitness.
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Section 9 provides health savings accounts with the same bankruptcy protections as individual retirement accounts, which helps protect people's medical savings if they face severe financial distress.
Potential Negative Impacts for People
- The provided text does not explicitly mention any potential negative impacts, burdens, or consequences for individuals or groups of people in the United States.
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 middle-income households be better off under this? — Provides middle-class households with enhanced tax-free savings tools for healthcare and wellness. Would business owners be better off under this? — Simplifies administrative error corrections and contribution rules for employers. Would children be better off under this? — Expands HSA eligibility and rollover benefits to children and dependents. Would high-income households be better off under this? — Higher contribution limits provide greater tax sheltering opportunities for higher earners. Would people in middle age be better off under this? — Provides increased contribution limits and catch-up contributions for individuals 50 and older. Would people with disabilities be better off under this? — Protects health savings accounts under bankruptcy laws, aiding individuals with high medical debt burdens. Would retired people be better off under this? — Improves account rollover flexibility and bankruptcy protections for accumulated savings. Would people over 65 be better off under this? — Allows expanded rollover options to family members and provides greater medical savings flexibility. Would people in their twenties and thirties be better off under this? — Allows younger individuals to benefit from flexible wellness expenses and higher contribution limits. Would people with substantial wealth be better off under this? — Offers additional avenues for tax-advantaged asset management. Would households on low incomes be better off under this? — Offers tax-advantaged savings options, though primarily benefits those with disposable income to save. Would men be better off under this? — Benefits from general expansion of HSA qualified expenses. Would students be better off under this? — Allows younger dependents to be covered under extended HSA provisions. Would the very wealthiest people be better off under this? — Minor benefits through expanded HSA rules. Would veterans be better off under this, taking everything together? — Provides additional health savings flexibility that can benefit veterans. Would women be better off under this? — Continues and expands coverage for wellness and healthcare products.
- Economy And Finance
- Does this cut taxes for middle-income families? — Expands tax-favored treatment for health savings accounts and wellness expenses. Is this likely to grow the economy? — Encourages greater personal savings and spending on wellness products and services.
- Healthcare
- Does this make health care easier to get in general? — Expands what can be purchased with HSA funds, including primary care arrangements and wellness items.
- 11/20/2025
- Read twice and referred to the Committee on Finance.
- Introduced in Senate
2 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.