U.S. Representatives Greg Steube (R-Fla.) and French Hill (R-Ark.) have introduced the Catch-Up Act, legislation designed to allow more flexibility for married couples contributing to Health Savings Accounts (HSAs).
The bill aims to amend the Internal Revenue Code of 1986 to permit both spouses to make catch-up contributions to the same HSA.
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Currently, HSA eligibility is limited to the individual, their spouse, and their immediate family. While individuals can make catch-up contributions to their own HSAs, married individuals under 55 years old are prohibited from making these contributions to their spouse’s HSA. This restriction, according to the bill’s sponsors, prevents many American families from fully utilizing the benefits of HSAs.
The Catch-Up Act seeks to change this rule, enabling families to invest more of their savings into HSAs through catch-up contributions. Representatives Steube and Hill argue that this change will provide families with greater financial security and the freedom to manage medical expenses.
“Health Savings Accounts have expanded access for millions of Americans to the quality healthcare their families deserve. However, existing laws have hamstrung the ability of families to respond to healthcare emergencies with pointless regulations blocking individuals from utilizing their HSA to cover a loved one’s medical expenses,” said Steube. “It only makes sense for us to build upon the success of HSAs with a focus on family economics and freedom. My bill with Congressman Hill will allow Americans to make catch-up contributions to their spouse’s HSA, ensuring financial security and better healthcare outcomes by expanding freedom.”
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“Health savings accounts are a smart way for families to plan for medical expenses, but the current rules do not reflect how real families make decisions and manage daily life. Right now, spouses can use their HSA to pay for each other’s medical care, but they cannot make catch-up contributions to each other’s accounts. It is a ridiculous rule that needs to be changed,” said Hill. “We need to give Americans the flexibility to plan, save, and make health care decisions that work for their families. That is why I am glad to partner with Representative Steube on this commonsense fix that will make it easier for families to support each other and take control of both their health and their finances.”
The bill text (H.R. ll) outlines the specific proposed changes to Section 223(b)(5) of the Internal Revenue Code of 1986. The amendments would apply to taxable years beginning after December 31, 2025.
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