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119-hr-2745119th CongressWALLET

Catch Up Act

Sponsored By: Representative Steube, W. Gregory [R-FL-17]

Introduced

Summary

Allows married couples who are both HSA-eligible to share and split the family HSA contribution limit when one or both have family high-deductible health plan coverage. This bill would treat only one family HDHP for the couple when calculating the limit, subtract any Archer MSA contributions, and then divide the remaining contribution limit between the spouses equally unless they agree to a different split.

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  • Families: Married couples where both spouses are eligible and at least one has family HDHP coverage could allocate the combined HSA contribution limit between them, letting both contribute up to the divided amount.
  • Older spouses: If both spouses are 55 or older by the end of the taxable year, each spouse's catch-up contribution is included and may be divided; if not, individual catch-up amounts are not subject to division.
  • Timing: The rule would apply to taxable years beginning after Dec. 31, 2025.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Split HSA family limit for couples

This bill would set a clear way for married couples to share one family Health Savings Account (HSA) limit. If either spouse has family high-deductible plan (HDHP) coverage on the first day of a month, and both are HSA-eligible, they could use one combined family limit. Only one family plan would count, even if both have separate plans. The family limit would be reduced by any money they put in Archer MSAs that year. The rest would be split 50/50 unless they agree on a different split. If both spouses are 55 or older by year-end, both catch-up amounts could be included and split; otherwise, catch-ups would stay with the spouse who qualifies and would not be split. This would apply to tax years starting after December 31, 2025.

Sponsors & CoSponsors

Sponsor

Steube, W. Gregory [R-FL-17]

FL • R

Cosponsors

  • Rep. Hill, J. French [R-AR-2]

    AR • R

    Sponsored 4/8/2025

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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