119th Congress Taxation
H.R. 548: HSA Modernization Act
Introduced
- Introduced (completed)
- Passed House (not reached)
- Passed Senate (not reached)
- To the President (not reached)
- Became law (not reached)
Summary
This bill increases health savings account (HSA) contribution limits, expands HSA eligibility, and makes other changes to HSAs and high-deductible health plans (HDHP).
The bill increases HSA contribution limits to equal the limits on out-of-pocket expenses under an HDHP (adjusted annually). Under the bill, the maximum annual HSA contribution for 2025 is $8,300 for self-only coverage and $16,600 for family coverage. (Under current law, the maximum annual HSA contribution for 2025 is $4,300 for self-only coverage and $8,550 for family coverage.)
The bill expands eligibility to make tax-deductible HSA contributions to include individuals who
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- receive hospital care or medical services from the Department of Veterans Affairs and do not have a service-connected disability,
- receive hospital care or medical services provided by the Indian Health Service or a tribal organization,
- are at least 65 years old and enrolled in Medicare Part A, or
- have a bronze-level or catastrophic health insurance plan through a health insurance exchange.
The bill also allows eligible married individuals to make catch-up contributions to the same HSA.
Under the bill, HSA distributions may be used to pay for qualified medical expenses incurred before the HSA is established if the HSA is established within 60 days from the first day of coverage under an HDHP.
Further, the bill specifies that HSA distributions may be used to pay for expenses for qualified long-term care services.
Finally, the bill allows an HDHP to provide up to $500 of mental health benefits before the annual deductible is met.
Written by the Congressional Research Service, Library of Congress.
Roll calls
No roll call votes have been held on this bill.
Amendments
No amendments were offered to this bill.
Cosponsors
- Dan Crenshaw R-TXOriginal
- Daniel Meuser R-PAOriginal
- Robert Wittman R-VA
- Don Bacon R-NE
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History
- Introduced in the House by Beth Van Duyne.
Show the full action history (2 actions)
- Introduced in House
- Referred to the House Committee on Ways and Means.