# 119-hr-810: Personalized Care Act of 2025

119-hr-810, Personalized Care Act of 2025, is a 119th Congress bill sponsored by Rep. Roy, Chip [R-TX-21] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-810
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-810
- Congress: 119
- Title: Personalized Care Act of 2025
- Status: introduced
- Introduced: 2025-01-28
- Sponsor: Rep. Roy, Chip [R-TX-21] (R-TX)
- Cosponsors: 12
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Expands who can use Health Savings Accounts (HSAs).** This bill removes the requirement that HSA contributors have a high-deductible health plan and explicitly lists many other types of coverage that make someone eligible to contribute. - Removes the HDHP requirement so more employees and families with group or individual health plans can open and contribute to HSAs even if their plan is not a traditional high-deductible plan. - Includes people covered by Medicare Part A or Part B, Medicaid, CHIP, and qualified CHIP look-alike programs, letting seniors and low-income families access HSA tax-preferred savings. - Adds TRICARE, VA health programs, Indian Health Service and tribal programs, federal employee coverage under chapter 89 of title 5, and participation in health care sharing ministries as qualifying coverage. The changes apply to tax years beginning after December 31, 2024.

## Cosponsors (12)

- Rep. Crane, Elijah [R-AZ-2] (R-AZ), 2025-01-28T00:00:00.000Z
- Rep. Burlison, Eric [R-MO-7] (R-MO), 2025-01-28T00:00:00.000Z
- Rep. Hageman, Harriet M. [R-WY-At Large] (R-WY), 2025-01-28T00:00:00.000Z
- Rep. Harris, Andy [R-MD-1] (R-MD), 2025-01-28T00:00:00.000Z
- Rep. Moore, Barry [R-AL-1] (R-AL), 2025-01-28T00:00:00.000Z
- Rep. Tiffany, Thomas P. [R-WI-7] (R-WI), 2025-01-28T00:00:00.000Z
- Rep. Ogles, Andrew [R-TN-5] (R-TN), 2025-01-28T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2025-01-28T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2025-01-31T00:00:00.000Z
- Rep. Harris, Mark [R-NC-8] (R-NC), 2025-03-03T00:00:00.000Z
- Rep. McCormick, Richard [R-GA-7] (R-GA), 2025-05-08T00:00:00.000Z
- Rep. Fulcher, Russ [R-ID-1] (R-ID), 2025-11-12T00:00:00.000Z

## Provisions PRIA read

- Higher HSA contribution limits: benefit, high. For tax years beginning after December 31, 2024, the bill would raise the statutory HSA contribution caps to $10,800 for individual coverage and $29,500 for family coverage. If enacted, HSA accountholders could save and shelter much more money each year under these new limits.
- More people eligible for HSAs: benefit, high. This bill would let many more people count months as HSA-eligible. If, on the first day of a month, you are covered by a group or individual plan, a short-term or medical indemnity plan, Medicare Part A or B, Medicaid, CHIP or a qualified CHIP look-alike, TRICARE, certain VA programs, Indian Health…
- Pay ministry and prepaid care with HSAs: benefit, high. If enacted, HSA money could pay for health care sharing ministry amounts, ministry administrative fees, certain periodic physician fees, and some prepaid medical services. The bill would also let HSA distributions pay for certain health plans previously barred from HSA payments. In addition, taxpay…
- Lower HSA withdrawal penalty: benefit, medium. The bill would cut the extra tax on nonqualified HSA withdrawals from 20% to 10% for distributions in tax years after December 31, 2024. For example, a $1,000 nonqualified withdrawal would cost $100 instead of $200 in extra tax.
- New base year for HSA limits: mixed, low. The bill would change the year used to compute cost-of-living adjustments for HSA limits from calendar year 1997 to calendar year 2023 and adjust the rule's wording for years after 2024. If enacted, this would affect how future HSA limits grow with inflation for tax years beginning after December 3…

## Related bills

- 119-hr-22: SAVE Act
- 119-hr-404: Hearing Protection Act
- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hr-1232: National Right-to-Work Act
- 119-hr-1301: Death Tax Repeal Act
- 119-hr-899: To terminate the Department of Education.

## Sources
- [119-hr-810 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/810)

## Related
- [119-hr-22: SAVE Act](https://policyrisk.com/legislation/119-hr-22)
- [119-hr-404: Hearing Protection Act](https://policyrisk.com/legislation/119-hr-404)
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [119-hr-1232: National Right-to-Work Act](https://policyrisk.com/legislation/119-hr-1232)
- [119-hr-1301: Death Tax Repeal Act](https://policyrisk.com/legislation/119-hr-1301)
- [119-hr-899: To terminate the Department of Education.](https://policyrisk.com/legislation/119-hr-899)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-810 (as of 2026-04-21).