Health Savings for Families Act of 2026
Sponsored By: Representative LaHood, Darin [R-IL-16]
Introduced
Summary
Would let an individual contribute to a Health Savings Account (HSA) even when their spouse has a Health Flexible Spending Arrangement (HFSA), if the spouse's HFSA reimbursements for the plan year do not exceed the HFSA's eligible expenses. It would amend Internal Revenue Code section 223(c)(1)(B) by adding a clause that ties HSA eligibility to the spouse’s HFSA reimbursements. The change would apply to plan years beginning after December 31, 2026.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
HSA access when spouse has FSA
If enacted, you would be able to contribute to a Health Savings Account (HSA) even if your spouse has a health flexible spending arrangement (HFSA) for that plan year. This would apply only when your spouse's total HFSA reimbursements for the year do not exceed the total HFSA-eligible expenses calculated without counting expenses for you. The bill would not change other HSA contribution limits or rules outside this test. The rule would apply to HFSA plan years beginning after December 31, 2026.
Sponsors & CoSponsors
Sponsor
LaHood, Darin [R-IL-16]
IL • R
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov