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119-hr-2419119th CongressWALLET

Patient Fairness Act of 2025

Sponsored By: Representative Davidson, Warren [R-OH-8]

Introduced

Summary

Expands who can use Health Savings Accounts and raises how much people can put in them each year. It would also make hospital price transparency rules part of federal law so hospital price lists are codified.

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  • Raises base HSA contribution caps to $8,000 for individuals and $16,000 for joint filers.
  • Adds catch-up contributions of $3,000 for people 55 and older and increases contribution room to account for dependents.
  • Removes month-by-month HSA eligibility checks so more people could contribute, allows relatives to deposit inherited HSA amounts into their own account within 60 days, and codifies hospital price transparency regulations into law.

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 4 benefits, 0 costs, 0 mixed.

Bigger HSA limits and broader eligibility

If enacted, you could put more money into an HSA each year. The limit would be $8,000 for one person and $16,000 on a joint return, plus $3,000 per dependent ($6,000 on a joint return). If someone on the return is 55 or older, they could add a $3,000 catch‑up ($6,000 if both spouses are 55+). You could claim the HSA deduction even if you were not eligible every month. Future limit increases would use an inflation formula tied to 2020. These changes would apply for months in tax years that begin after December 31, 2025.

Hospital price transparency rules in law

If enacted, the current federal hospital price transparency rule would be written into law. Hospitals would have the same legal duty to post prices. This could make it easier for patients to see and compare hospital charges. The change would take effect upon enactment.

Use HSA money for more coverage

If enacted, you could use HSA dollars for more kinds of health coverage. The bill would remove some legal limits on what HSA money can buy. This would apply for months in tax years that begin after December 31, 2025.

Relatives can roll over inherited HSAs

If enacted, a relative who receives HSA funds after the owner’s death could deposit that amount into their own HSA within 60 days. Doing so would avoid the usual tax rule that would otherwise apply. This would apply for months in tax years that begin after December 31, 2025.

Sponsors & CoSponsors

Sponsor

Davidson, Warren [R-OH-8]

OH • R

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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