# 119-s-4498: ABLE Tomorrow Act

119-s-4498, ABLE Tomorrow Act, is a 119th Congress bill sponsored by Sen. Moran, Jerry [R-KS] (R-KS); status introduced; PRIA reads it as touching household money (as of 2026-07-29).

- Canonical: https://policyrisk.com/legislation/119-s-4498
- As of: 2026-07-29
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4498
- Congress: 119
- Title: ABLE Tomorrow Act
- Status: introduced
- Introduced: 2026-05-12
- Sponsor: Sen. Moran, Jerry [R-KS] (R-KS)
- Cosponsors: 8
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-07-29

## Summary

**Expands access to and protection for ABLE accounts.** This bill would strengthen shields for ABLE savings, change who can contribute and how, and fund a new outreach effort to raise awareness.

## Cosponsors (8)

- Sen. Van Hollen, Chris [D-MD] (D-MD), 2026-05-12T00:00:00.000Z
- Sen. Tillis, Thomas [R-NC] (R-NC), 2026-05-12T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2026-05-12T00:00:00.000Z
- Sen. Sanders, Bernard [I-VT] (I-VT), 2026-06-24T00:00:00.000Z
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY), 2026-06-24T00:00:00.000Z
- Sen. Duckworth, Tammy [D-IL] (D-IL), 2026-06-24T00:00:00.000Z
- Sen. Fetterman, John [D-PA] (D-PA), 2026-06-24T00:00:00.000Z
- Sen. Britt, Katie Boyd [R-AL] (R-AL), 2026-07-27T00:00:00.000Z

## Provisions PRIA read

- Federal ABLE awareness grants: benefit, high. If enacted, the bill would create an ABLE Awareness Grants program for states, tribes, and their agencies to fund outreach and enrollment. It would authorize $50 million each year for fiscal years 2027 through 2031. Grant funds could pay for media buys, conferences, canvassing, and other enrollment…
- Delay Social Security benefit suspension: benefit, medium. If enacted, when the Social Security Commissioner notifies you that disability benefits will be suspended, suspension would start with the benefits payable for the first calendar month that begins after the two-month period from the date you got the notice. That gives you at least two months plus t…
- Protect ABLE accounts from Medicaid recovery: benefit, medium. If enacted, States would be barred from adjusting or recovering Medicaid medical assistance paid on behalf of an ABLE designated beneficiary from that beneficiary's ABLE account. The protection applies even if the ABLE account is part of the beneficiary's estate. This would preserve ABLE savings fr…
- Employees can redirect employer contributions: benefit, medium. If enacted, eligible employees could elect for an employer to send contributions that would otherwise go to a defined contribution plan into the employee's ABLE account for that plan year. The election must be offered to all eligible ABLE individuals in the plan year and the plan would not lose qua…
- New ways to add money to ABLE: benefit, medium. If enacted, certain lump-sum sources would be allowed without hitting the ABLE annual contribution cap. This includes third-party trust contributions, life insurance proceeds paid to the beneficiary, and certain tax-free 529 plan distributions. That lump-sum exception could be used at most once per…
- Tax and plan rules for employers: benefit, medium. If enacted, the Treasury must update rules to confirm employer ABLE contributions can be deducted as compensation, as long as total contributions stay within the ABLE maximum. The Secretary would write rules so ABLE-directed employer amounts count like plan contributions for nondiscrimination and c…
- More ABLE account outreach nationwide: benefit, low. If enacted, many federal and state programs would be required to give information about ABLE accounts to eligible people at enrollment, first service, or move-in. Examples include Social Security, Medicaid and CHIP, TANF, SNAP and WIC, Head Start, IDEA special education, VA programs, HUD-assisted h…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-1261: CONNECT for Health Act of 2025
- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.
- 119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewellyn Kyl, former Senator for the State of Arizona.
- 119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham, a Senator from the State of South Carolina.
- 119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former Senator for the State of Michigan.

## Sources
- [119-s-4498 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4498)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-1261: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-s-1261)
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewel…](https://policyrisk.com/legislation/119-sres-897)
- [119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham,…](https://policyrisk.com/legislation/119-sres-801)
- [119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former S…](https://policyrisk.com/legislation/119-sres-755)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4498 (as of 2026-07-29).