# 119-hr-955: HOPE Act of 2025

119-hr-955, HOPE Act of 2025, is a 119th Congress bill sponsored by Rep. Moore, Blake D. [R-UT-1] (R-UT); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-955
- 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-955
- Congress: 119
- Title: HOPE Act of 2025
- Status: introduced
- Introduced: 2025-02-04
- Sponsor: Rep. Moore, Blake D. [R-UT-1] (R-UT)
- Cosponsors: 18
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**HOPE Accounts would create a new tax-favored trust for paying qualified medical expenses.** The proposal sets monthly contribution caps, trustee and reporting rules, and strict penalties for nonqualified uses.

## Cosponsors (18)

- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-02-04T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-02-04T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-02-04T00:00:00.000Z
- Rep. Smith, Adrian [R-NE-3] (R-NE), 2025-02-04T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-02-04T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-02-04T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-02-04T00:00:00.000Z
- Rep. Moolenaar, John R. [R-MI-2] (R-MI), 2025-02-04T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-02-04T00:00:00.000Z
- Rep. Kennedy, Mike [R-UT-3] (R-UT), 2025-04-07T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-04-07T00:00:00.000Z
- Rep. Pfluger, August [R-TX-11] (R-TX), 2025-05-08T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-05-08T00:00:00.000Z
- Rep. Carey, Mike [R-OH-15] (R-OH), 2025-05-21T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-05-21T00:00:00.000Z
- Rep. Cline, Ben [R-VA-6] (R-VA), 2025-10-31T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-10-31T00:00:00.000Z
- Rep. Hurd, Jeff [R-CO-3] (R-CO), 2026-03-03T00:00:00.000Z

## Provisions PRIA read

- Monthly and yearly HOPE limits: benefit, high. If enacted, the bill would set HOPE contribution limits by month and year. The baseline yearly limit is $4,000 for self-only coverage and $8,000 for certain family head-of-household cases. You must have required coverage on the first day of the month to be eligible for that month. Employer and appr…
- Taxes and penalties for wrong withdrawals: cost, high. If enacted, HOPE distributions used only for qualified medical expenses would be excluded from income. Distributions not used only for qualified medical costs would be taxable and generally subject to an extra 30 percent tax, with exceptions for death and certain disability distributions. The bill…
- Limits on employer and third-party help: mixed, medium. If enacted, employer contributions to your HOPE Account could count as employer-provided medical coverage up to the legal limits. That favorable treatment would not apply if your prior-year AGI exceeds $100,000 (or $200,000 for joint filers). Employers would have to show HOPE contributions on Form…
- New HOPE medical savings accounts: mixed, medium. If enacted, the bill would create HOPE Accounts, a new tax-favored trust you could use to pay qualified medical costs. These trusts must be U.S.-organized and follow strict rules about trustees, cash-only contributions (except certain rollovers), and no life-insurance investments. Trustees would ha…

## Related bills

- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025

## Sources
- [119-hr-955 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/955)

## Related
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [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-955 (as of 2026-04-21).