H.R. 9518: Health Savings for Families Act of 2026

This bill would change the tax rules for health savings accounts (HSAs) so that a person could still contribute to an HSA even if their spouse has a health flexible spending account (FSA), as long as that spouse’s FSA follows certain limits.

What changes

• Under current law, having certain types of health coverage can make a person ineligible to contribute to an HSA.
• This bill would add an exception for someone whose spouse has a health FSA.
• The person could keep making HSA contributions if the spouse’s FSA reimbursements for the year do not exceed the amount of expenses that would normally be eligible under that FSA, even when certain expenses tied to the individual are ignored for that calculation.

What this means in plain language

In practical terms, the bill would make it easier for married couples to use both kinds of accounts at once. Right now, one spouse’s health FSA can sometimes block the other spouse from contributing to an HSA. This bill would remove that barrier in the situation described above.

When it would take effect

The change would apply to plan years starting after December 31, 2026.

Relevant Companies

None found.