# 119-s-276: Personalized Care Act of 2025

119-s-276, Personalized Care Act of 2025, is a 119th Congress bill sponsored by Sen. Cruz, Ted [R-TX] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-276
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-276
- Congress: 119
- Title: Personalized Care Act of 2025
- Status: introduced
- Introduced: 2025-01-28
- Sponsor: Sen. Cruz, Ted [R-TX] (R-TX)
- Cosponsors: 2
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**This bill would dramatically expand Health Savings Accounts (HSAs)** by widening who can open and contribute to them, sharply raising contribution caps, and letting HSAs pay for more kinds of health care and fees. - Families could save and use far more HSA money. Contribution limits would rise to $10,800 for self-only coverage and $29,500 for family coverage, indexed for inflation, and HSAs could be used to pay health insurance premiums and direct-care fees. - People covered by government plans would become eligible. Those with Medicare Part A and B, Medicaid, the Children’s Health Insurance Program, certain military and government employee plans, and Indian Health Service or tribal programs could open and contribute to HSAs even without a high-deductible plan. - Health care sharing ministry participants and other alternative-plan enrollees gain access. Membership fees and certain amounts paid by ministry participants would qualify as medical expenses. The penalty for nonqualified HSA distributions would be reduced to 10 percent, down from 20 percent.

## Cosponsors (2)

- Sen. Marshall, Roger [R-KS] (R-KS), 2025-01-28T00:00:00.000Z
- Sen. Moody, Ashley [R-FL] (R-FL), 2026-01-08T00:00:00.000Z

## Provisions PRIA read

- Higher HSA contribution limits: benefit, high. If enacted, you could contribute up to $10,800 to an HSA for self-only coverage and $29,500 for family coverage each year. These new limits would apply for tax years beginning after December 31, 2025. The bill also shifts the cost-of-living base year to 2025 for future HSA adjustments.
- HSAs can pay ministry and prepaid care: benefit, medium. If enacted, HSA funds could pay for more kinds of medical costs starting in tax years after December 31, 2025. That would include periodic provider fees, prepaid amounts for screening, diagnosis, treatment, and wellness, and qualifying health care sharing ministry membership and administrative fees…
- More people can use HSAs: benefit, medium. If enacted, you could be eligible for an HSA if you are covered on the first day of a month by a long list of plans. Covered plans would include group or individual plans, short-term plans, Medicare Parts A or B, Medicaid, CHIP, TRICARE, certain VA programs, Indian Health Service care, and qualifyi…
- Lower penalty on HSA withdrawals: benefit, low. If enacted, nonqualified HSA withdrawals made in tax years after December 31, 2025 would face a 10% penalty instead of 20%. That would reduce the excise tax you pay when HSA money is used for nonmedical purposes.

## Related bills

- 119-s-1071: National Defense Authorization Act for Fiscal Year 2026
- 119-s-524: Coast Guard Authorization Act of 2025
- 119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026
- 119-s-3752: SAVE America Act
- 119-s-401: Fair Access to Banking Act
- 119-s-237: Honoring Our Fallen Heroes Act of 2025

## Sources
- [119-s-276 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/276)

## Related
- [119-s-1071: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-1071)
- [119-s-524: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-s-524)
- [119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3923)
- [119-s-3752: SAVE America Act](https://policyrisk.com/legislation/119-s-3752)
- [119-s-401: Fair Access to Banking Act](https://policyrisk.com/legislation/119-s-401)
- [119-s-237: Honoring Our Fallen Heroes Act of 2025](https://policyrisk.com/legislation/119-s-237)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-276 (as of 2026-04-21).