# 119-hr-548: HSA Modernization Act

119-hr-548, HSA Modernization Act, is a 119th Congress bill sponsored by Rep. Van Duyne, Beth [R-TX-24] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-08-26).

- Canonical: https://policyrisk.com/legislation/119-hr-548
- As of: 2026-08-26
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-548
- Congress: 119
- Title: HSA Modernization Act
- Status: introduced
- Introduced: 2025-01-16
- Sponsor: Rep. Van Duyne, Beth [R-TX-24] (R-TX)
- Cosponsors: 4
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-08-26

## Summary

**This bill would expand and modernize Health Savings Accounts by broadening who can contribute and increasing flexibility around contributions and qualifying expenses.** It focuses on eligibility, plan definitions, spouse contributions, and what counts as qualified medical costs. - Families and plan shoppers would get more HSA-friendly options because bronze and catastrophic plans would count as high-deductible health plans and the maximum contribution would track the deductible and out-of-pocket limits. The bill also creates a safe harbor that lets plans offer mental health benefits with no deductible for the first $500 of care. - Veterans, people entitled to Medicare Part A by reason of age, and American Indian or Alaska Native people who receive Indian Health Service care would see new contribution access. The service-connected disability test for certain veterans would be removed and IHS care would not disqualify HSA eligibility. Many changes take effect for months or taxable years beginning after Dec. 31, 2025. - Couples and savers would gain flexibility. Both spouses could make catch-up contributions to the same HSA under rules that split family limits and allow extra amounts for spouses aged 55 or older. The bill also treats certain pre‑establishment medical expenses and qualified long‑term care costs as eligible HSA distributions.

## Cosponsors (4)

- Rep. Crenshaw, Dan [R-TX-2] (R-TX), 2025-01-16T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-01-16T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-02-10T00:00:00.000Z
- Rep. Bacon, Don [R-NE-2] (R-NE), 2026-02-24T00:00:00.000Z

## Provisions PRIA read

- Higher and more flexible HSA contributions: benefit, medium. HSA contribution caps would follow your plan’s deductible and out‑of‑pocket limits, which could raise how much you can save, starting in 2026. If both spouses are HSA‑eligible and have family HDHP coverage, the family limit (after Archer MSA amounts) would be split between you by default. You could…
- More health plans qualify for HSAs: benefit, medium. Bronze and catastrophic marketplace plans would count as high‑deductible health plans for HSA rules, starting in 2026. Plans could also cover up to the first $500 of mental health care before the deductible and still keep HSA‑eligible status, for plan years beginning in 2026. If passed, more people…
- Wider HSA eligibility for seniors and veterans: benefit, medium. This bill would broaden who can put money into an HSA. Some people entitled to Medicare Part A by age could keep HSA eligibility, starting in 2026. Veterans who use certain VA benefits without a service‑connected disability would also remain eligible in 2026 and later. Care from the Indian Health S…
- 60-day window for new HSA expenses: benefit, low. If you start HDHP coverage and open an HSA within 60 days, the account would be treated as opened on your coverage start date. Bills you pay after coverage begins but before you open the HSA in that 60‑day window would count as qualified expenses. This would apply to coverage that begins after Dece…
- HSAs could cover long-term care: benefit, low. You would be able to use HSA money tax‑free for qualified long‑term care services you pay for after enactment. This change would apply only to amounts paid after the bill becomes law.

## Related bills

- 119-hr-2570: Maximum Pressure Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025

## Sources
- [119-hr-548 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/548)

## Related
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-548 (as of 2026-08-26).