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To amend the Internal Revenue Code of 1986 to allow individuals entitled to Medicare Part A to make contributions to health savings accounts.
Summary
- Allows individuals enrolled in Medicare Part A due to age to contribute to Health Savings Accounts (HSAs), removing the current prohibition on HSA contributions for Medicare beneficiaries.
- Permits Medicare beneficiaries to use HSA funds to pay for qualified medical expenses while maintaining their Medicare coverage.
- The change takes effect for tax years beginning after December 31, 2026.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
Actions (2)
- Aug 10, 2026 Referred to the House Committee on Ways and Means. · house
- Aug 10, 2026 Introduced in House
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
August 10, 2026
Mrs. Fischbach introduced the following bill; which was referred to the Committee on Ways and Means
A BILL
To amend the Internal Revenue Code of 1986 to allow individuals entitled to Medicare Part A to make contributions to health savings accounts.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Hardworking Seniors Act”.
SEC. 2. INDIVIDUALS ENTITLED TO PART A OF MEDICARE BY REASON OF AGE ALLOWED TO CONTRIBUTE TO HEALTH SAVINGS ACCOUNTS.
(a) In General.—Section 223(c)(1)(B) of the Internal Revenue Code of 1986 is amended by striking “and” at the end of clause (ii), by striking the period at the end of clause (iii) and inserting “, and”, and by adding at the end the following new clause:
“(iv) entitlement to hospital insurance benefits under part A of title XVIII of the Social Security Act by reason of section 226(a) of such Act.”.
(b) Treatment of Health Insurance Purchased From Account.—Section 223(d)(2)(C)(iv) of such Code is amended by inserting “and who is not an eligible individual” after “who has attained the age specified in section 1811 of the Social Security Act”.
(c) Coordination With Penalty on Distributions Not Used for Qualified Medical Expenses.—Section 223(f)(4)(C) of such Code is amended by striking “Subparagraph (A)” and inserting “Except in the case of an eligible individual, subparagraph (A)”.
(d) Conforming Amendment.—Section 223(b)(7) of such Code is amended by inserting “(other than an entitlement to benefits described in subsection (c)(1)(B)(iv))” after “Social Security Act”.
(e) Effective Date.—The amendments made by this section shall apply to months beginning after December 31, 2026, in taxable years ending after such date. <all>
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