Budget Reconciliation Bill And Changes To HSAs

In the race to pass a budget reconciliation bill by President Donald Trump's self-imposed deadline of July 4, 2025, the House and Senate initially proposed varying provisions in the bill about health savings accounts (HSAs). While the House made major changes to the HSA section, the Senate's version of the bill stripped out those changes. Ultimately, Congress adopted only one major change to HSAs, which involves direct primary care arrangements (DPCAs).

The House's first version of the budget reconciliation bill made major changes to HSAs, which benefits experts largely applauded. The proposed bill included drastically increased contribution levels for some employees based on income thresholds, even doubling the current contribution amounts for some people. Further, added provisions generally would have allowed more people access to HSAs, including individuals who are eligible for Medicare A due to their ages, those participating in DPCA, people covered by bronze