# 119-hr-2745: Catch Up Act

119-hr-2745, Catch Up Act, is a 119th Congress bill sponsored by Rep. Steube, W. Gregory [R-FL-17] (R-FL); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-hr-2745
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2745
- Congress: 119
- Title: Catch Up Act
- Status: introduced
- Introduced: 2025-04-08
- Sponsor: Rep. Steube, W. Gregory [R-FL-17] (R-FL)
- Cosponsors: 1
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2025-12-21

## 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. - 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.

## Cosponsors (1)

- Rep. Hill, J. French [R-AR-2] (R-AR), 2025-04-08T00:00:00.000Z

## Provisions PRIA read

- Split HSA family limit for couples: benefit, medium. 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 c…

## Related bills

- 119-hr-4669: FEMA Act of 2025
- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-687: MERIT Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-9298: Stopping Harmful and Outrageous Torts Act

## Sources
- [119-hr-2745 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2745)

## Related
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-687: MERIT Act of 2025](https://policyrisk.com/legislation/119-hr-687)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-9298: Stopping Harmful and Outrageous Torts Act](https://policyrisk.com/legislation/119-hr-9298)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2745 (as of 2025-12-21).