# 119-s-1565: Lowering Costs for Caregivers Act of 2025

119-s-1565, Lowering Costs for Caregivers Act of 2025, is a 119th Congress bill sponsored by Sen. Rosen, Jacky [D-NV] (D-NV); status introduced; PRIA reads it as touching household money (as of 2026-04-29).

- Canonical: https://policyrisk.com/legislation/119-s-1565
- As of: 2026-04-29
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1565
- Congress: 119
- Title: Lowering Costs for Caregivers Act of 2025
- Status: introduced
- Introduced: 2025-05-01
- Sponsor: Sen. Rosen, Jacky [D-NV] (D-NV)
- Cosponsors: 4
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-29

## Summary

**Expands tax-free coverage so a taxpayer or their spouse can use pre-tax medical accounts to pay for a parent’s medical expenses.** The bill would amend the tax code to treat a parent of the taxpayer or of the taxpayer’s spouse as an eligible recipient of medical care for Health Savings Accounts, health Flexible Spending Accounts and Health Reimbursement Arrangements, and Archer Medical Savings Accounts. These changes would apply to amounts paid or expenses incurred after December 31, 2025. - Families and caregivers: Parents’ medical bills could be paid from HSAs, FSAs/HRAs, or Archer MSAs without creating taxable income, lowering after-tax cost for households that support aging parents. - Account holders: People who use HSAs, FSAs, HRAs, or Archer MSAs would be able to claim a wider set of qualifying medical expenses, expanding what those accounts can cover. - Employers and plan administrators: Employer-run FSAs and HRAs would be allowed to reimburse employee payments for a parent’s care on a tax-free basis, requiring plan updates to reflect the expanded eligibility.

## Cosponsors (4)

- Sen. Cassidy, Bill [R-LA] (R-LA), 2025-05-01T00:00:00.000Z
- Sen. Blackburn, Marsha [R-TN] (R-TN), 2026-03-04T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2026-04-20T00:00:00.000Z
- Sen. Murkowski, Lisa [R-AK] (R-AK), 2026-04-27T00:00:00.000Z

## Provisions PRIA read

- FSA and HRA reimburse parent care: benefit, medium. If enacted, employer health FSAs and HRAs could reimburse medical care for a parent without making that reimbursement taxable. This would apply to expenses incurred after December 31, 2025. The plan must meet the usual tax rules.
- Tax-free health accounts for parents: benefit, low. If enacted, amounts you pay for a parent could count as qualified medical expenses for HSAs and Archer MSAs. This would apply to amounts paid after December 31, 2025. You would only get this if you have those accounts.

## Related bills

- 119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026
- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-556: Enhanced Iran Sanctions Act of 2025
- 119-s-1515: Affordable Housing Credit Improvement Act of 2025
- 119-s-1032: Major Richard Star Act

## Sources
- [119-s-1565 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1565)

## Related
- [119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3923)
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-556: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-s-556)
- [119-s-1515: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-s-1515)
- [119-s-1032: Major Richard Star Act](https://policyrisk.com/legislation/119-s-1032)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1565 (as of 2026-04-29).