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119-hr-919119th CongressWALLET

Chronic Disease Flexible Coverage Act

Sponsored By: Representative Buchanan, Vern [R-FL-16]

Passed House

Summary

Codifies IRS guidance to let certain chronic‑disease drugs, tests, and devices count as preventive care under high‑deductible health plans paired with Health Savings Accounts (HSAs). This change names specific items that can be covered without a deductible or with a lower deductible for the preventive‑care safe harbor.

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  • People with chronic conditions and their families see lower out‑of‑pocket costs for ongoing care because listed drugs and monitoring tools can be provided before the deductible is met.
  • Health Savings Account holders keep plan eligibility while receiving these services because plans may treat them as preventive care under the HDHP rules.
  • Employers and insurers can design HDHP benefits to cover items like insulin, blood glucose testing supplies, blood pressure monitors, inhaled corticosteroids, statins, ACE inhibitors, and certain depression medications as preventive care, aligning plan rules with IRS Notice 2019-45.

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Bill Overview

Analyzed Economic Effects

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

High-deductible plans cover more chronic care

If you have a high-deductible health plan paired with a health savings account (HSA), this bill would let your plan treat some chronic care as preventive care. It would write into law the IRS 2019 list (Notice 2019-45) of services and items for chronic conditions. Plans would be allowed to cover those before you meet your deductible, so you would pay less out of pocket if your plan uses this option. It would not change other preventive care rules.

Sponsors & CoSponsors

Sponsor

Buchanan, Vern [R-FL-16]

FL • R

Cosponsors

  • Rep. Panetta, Jimmy [D-CA-19]

    CA • D

    Sponsored 2/4/2025

  • Rep. Tenney, Claudia [R-NY-24]

    NY • R

    Sponsored 3/3/2025

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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