More people could open and use HSAs, even if they are on Medicare, Medicaid, or other health programs. They could save more each year and use HSA money for more health costs, including some premiums and direct doctor fees.
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Personalized Care Act of 2025 is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Finance.
Latest action on S. 276: Read twice and referred to the Committee on Finance.
Who this affects: This bill mainly affects people who have or want an HSA. It also affects people on Medicare, Medicaid, CHIP, TRICARE, Veterans Health programs, Indian Health Service, and Federal Employees Health Benefits. It could matter for people using direct primary care or health care sharing ministries. Employers, health plans, providers, and the IRS would also have to deal with the changed tax rules.
Why this matters: This bill matters because it could change how people save and pay for health care. More people could get HSA tax breaks, and some could save much larger amounts. It could also make direct doctor payment plans and health care sharing ministries more appealing. The effects on coverage choices, out-of-pocket costs, and federal tax revenue are uncertain from the bill text alone.
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