Health Savings Account Expansion Act
Sponsored By: Senator Marshall, Roger [R-KS]
Introduced
Summary
Would broaden HSA eligibility and expand what Health Savings Accounts can pay for. The bill would change which government coverage counts for HSA rules, restructure high-deductible health plan requirements, and add new permitted HSA distributions and treatments for health care sharing ministries.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
HSA access for government and sharing members
If enacted, the bill would treat people covered by Medicare Parts A, B, or C, Medicaid, CHIP or qualified CHIP look-alikes, and federal employee coverage under chapter 89 as "covered" for HSA rules. It would also treat participants in health care sharing ministries as covered and say those ministries are not health plans or insurance for these HSA rules. The bill would let HSA distributions pay certain premiums described in the HSA rules and would let payments to health care sharing ministries (membership fees, sharing of medical expenses, and admin fees) count as medical expenses for tax purposes. These changes would apply for tax years beginning after December 31, 2026.
HSA rules for drugs and subscriptions
If enacted, you would not be able to use HSA or Archer MSA money for over-the-counter medicines unless a doctor prescribes them or the medicine is insulin. The bill would also let you use HSA money to pay regular physician fees or prepaid medical service arrangements, like subscription doctor fees or prepaid screening and treatment services. These changes would apply for tax years beginning after December 31, 2026.
Sponsors & CoSponsors
Sponsor
Marshall, Roger [R-KS]
KS • R
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov