# 119-hr-10072: Hardworking Seniors Act

119-hr-10072, Hardworking Seniors Act, is a 119th Congress bill sponsored by Rep. Fischbach, Michelle [R-MN-7] (R-MN); status introduced; PRIA reads it as touching household money (as of 2026-09-06).

- Canonical: https://policyrisk.com/legislation/119-hr-10072
- As of: 2026-09-06
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10072
- Congress: 119
- Title: Hardworking Seniors Act
- Status: introduced
- Introduced: 2026-08-10
- Sponsor: Rep. Fischbach, Michelle [R-MN-7] (R-MN)
- Cosponsors: 0
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-09-06

## Summary

**Expands HSA access for people entitled to Medicare Part A.** This bill would let individuals who have Medicare Part A because of age contribute to health savings accounts if they meet the usual high-deductible health plan requirements. - Seniors and Medicare beneficiaries: People entitled to Part A because of the Social Security age rule would become eligible to contribute to HSAs while still meeting HDHP rules. This extends HSA access to a subset of age-based Medicare beneficiaries. - Use of HSA funds for health insurance: For people who have reached the Social Security age threshold, HSA payments for health insurance would count as qualified only when the purchaser is **not** an “eligible individual” under the tax code. This creates a new condition on when premiums can be paid from HSAs. - Penalties, cross-reference, and timing: The bill would carve out “eligible individuals” from the standard penalty for non-qualified HSA withdrawals and would fix a Social Security Act cross-reference. The changes apply to months beginning after December 31, 2026.

## Provisions PRIA read

- Health Savings Accounts for some Medicare beneficiaries: mixed, low. If enacted, people with Medicare Part A because of Social Security section 226(a) would be able to contribute to a Health Savings Account (HSA). This would not change HSA rules like needing a high-deductible health plan, but it would add that Part A entitlement as an allowed reason to contribute. T…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1163: Prove It Act
- 119-hr-9535: Securing Agriculture's Workforce Act of 2026
- 119-hr-6766: Essential Caregivers Act of 2025

## Sources
- [119-hr-10072 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10072)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-1163: Prove It Act](https://policyrisk.com/legislation/119-hr-1163)
- [119-hr-9535: Securing Agriculture's Workforce Act of 2026](https://policyrisk.com/legislation/119-hr-9535)
- [119-hr-6766: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-hr-6766)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10072 (as of 2026-09-06).