Big Changes for HSAs in the One Big Beautiful Bill
Health Savings Accounts (HSAs) just became available to more people thanks to the new “One Big Beautiful Bill.”
What Changed
You can now open and contribute to an HSA if you are in a Bronze or Catastrophic Marketplace plan.
Telehealth visits will not disqualify your HSA, so you can keep using virtual care.
Why It Matters
HSAs are one of the smartest tools for managing health costs:
Contributions reduce taxable income, lowering what you owe in taxes.
The money rolls over year to year and can grow for future expenses, even into retirement.
Bronze and Catastrophic plans often have lower premiums, and now you can pair them with an HSA for added savings.
What Did Not Pass
Some proposals did not make it into the law. For example, people on Medicare Part A still cannot contribute to an HSA, even if they are on another qualified plan.
The Takeaway
This change opens the door for more people to use HSAs. If you have a Bronze or Catastrophic plan, you can now save for health costs, lower your taxes, and keep telehealth as an option.
We are happy to help you navigate these changes. Staying up to date on new laws and industry rules is exactly why it pays to work with a local independent agent. You get all the extra guidance and support at no extra cost.
