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
The Health Savings Account Expansion Act aims to amend the Internal Revenue Code of 1986 to expand eligibility for health savings accounts. It modifies eligibility requirements to include individuals covered under government plans like Medicare, Medicaid, and CHIP, as well as participants in health care sharing ministries. The bill also updates high deductible health plan requirements and allows for payments from HSAs for specific health plans or insurance coverage. Additionally, it expands the definition of qualified medical expenses to include certain medical care service arrangements. The Act also modifies how over-the-counter drugs and insulin are treated for HSAs and Archer MSAs. These changes are generally set to take effect for taxable years beginning after December 31, 2026.
Yes· 3 of 10
- Scored +4
Would people over 65 be better off under this?
The bill allows Medicare beneficiaries to access the tax-advantaged benefits of Health Savings Accounts.
- Scored +4
Does this make health care easier to get in general?
The bill expands the ability to use HSAs for insurance premiums, periodic physician fees, and wellness services.
- Scored +3
Would households on low incomes be better off under this?
The bill extends HSA eligibility to those covered by government assistance programs like Medicaid and CHIP.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Expanded HSA Eligibility: Individuals covered under government plans—including Medicare (Parts A, B, or C), Medicaid, CHIP, or certain other coverage—and participants in health care sharing ministries would be eligible for health savings accounts (Section 2 of the bill).
-
Expanded Use of HSA Funds for Insurance: The bill allows for payments from HSAs for certain health plans or insurance coverage (Section 4).
-
Broadened Medical Expenses: The definition of "qualified medical expenses" would be expanded to include periodic fees paid to a physician for defined services or the right to receive services on an as-needed basis, as well as amounts prepaid for services intended to screen, diagnose, cure, mitigate, treat, prevent disease, or promote wellness (Section 4).
-
Treatment of Sharing Ministry Expenses: For those involved in health care sharing ministries, membership fees, the sharing of medical expenses among members, and administrative fees would be treated as amounts paid for medical care (Section 6).
-
Expanded Drug Coverage: The term "medicine or a drug" for HSAs and Archer MSAs would include prescribed drugs (regardless of whether they are available without a prescription) and insulin (Section 7).
Potential Negative Impacts for People
- No specific negative impacts are explicitly detailed in the provided text.
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 people over 65 be better off under this? — The bill allows Medicare beneficiaries to access the tax-advantaged benefits of Health Savings Accounts. Would households on low incomes be better off under this? — The bill extends HSA eligibility to those covered by government assistance programs like Medicaid and CHIP. Would middle-income households be better off under this? — The bill expands the ways middle-income earners can use HSAs to pay for insurance and various medical services. Would people with disabilities be better off under this? — The expansion of HSA eligibility and qualified expenses may benefit individuals with ongoing medical needs.
- Healthcare
- Does this make health care easier to get in general? — The bill expands the ability to use HSAs for insurance premiums, periodic physician fees, and wellness services. Does this lower the price of prescription medicines? — The bill allows HSA and Archer MSA funds to be used for prescribed drugs and insulin, potentially lowering out-of-pocket burdens. Does this put more money into Medicaid, the health coverage for people on low incomes? — The bill expands HSA eligibility to include individuals covered under the Medicaid program. Does this put more money into Medicare, the health coverage for people over 65? — The bill allows individuals covered by Medicare to use Health Savings Accounts for various medical expenses.
- Economy And Finance
- Does this cut taxes for middle-income families? — The bill expands HSA eligibility and qualified medical expenses, providing tax advantages for various healthcare costs.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — By expanding HSA access to those on Medicaid and CHIP, the bill provides tax-advantaged ways to manage health costs for low-income individuals.
- 4/21/2026
- Read twice and referred to the Committee on Finance.
- Introduced in Senate