Bill > HR810

This bill, called the "Personalized Care Act of 2025", proposes several significant changes to Health Savings Accounts (HSAs) and related healthcare financing mechanisms. The bill expands HSA eligibility to include a broader range of health coverage types, such as short-term plans, government plans like Medicare and Medicaid, and health care sharing ministries. It dramatically increases HSA contribution limits from $2,250 to $10,800 for individual coverage and from $4,500 to $29,500 for family coverage. The legislation allows HSA funds to be used for paying health insurance premiums, introduces new qualified medical expense categories like periodic physician fees and prepaid medical screening services, and reduces the penalty for non-qualified HSA distributions from 20% to 10%. Additionally, the bill provides special treatment for health care sharing ministries, allowing their membership and administrative fees to be considered qualified medical expenses and explicitly stating that these ministries are not to be considered health insurance. All provisions of the bill would take effect for taxable years beginning after December 31, 2024, giving individuals and organizations time to adapt to the new rules.

Budget and Finance

https://www.congress.gov/bill/119th-congress/house-bill/810/all-info