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To amend the Internal Revenue Code of 1986 to allow both spouses to make catch-up contributions to the same health savings account.
Summary
This bill amends the Internal Revenue Code to allow both spouses to make catch-up contributions to the same health savings account (HSA). Under current rules, married couples with family coverage under a high-deductible health plan have restrictions on combined HSA contributions. The bill permits both spouses who are age 55 or older to each make catch-up contributions (additional contributions allowed to those over 55), with both catch-up amounts included in the total contribution limit. The contribution limit between spouses is divided equally unless they choose a different division. The changes apply to taxable years beginning after December 31, 2025.
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)
1 cosponsor
Money behind the sponsor
Top reported contributors to W. Gregory Steube’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- CHENEY BROTHERS $7,800
- NEXTGEN MANAGEMENT $6,600
- STEPHENS, INC. $6,600
- NEPTUNE WELLNESS SOLUTIONS $6,600
- COOLTODAY $6,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for W. Gregory Steube → · Outside spending →
Actions (2)
- Apr 8, 2025 Referred to the House Committee on Ways and Means. · house
- Apr 8, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
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
April 8, 2025
Mr. Steube (for himself and Mr. Hill of Arkansas) 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 both spouses to make catch-up contributions to the same health savings account.
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 “Catch Up Act”.
SEC. 2. ALLOW BOTH SPOUSES TO MAKE CATCH-UP CONTRIBUTIONS TO THE SAME HEALTH SAVINGS ACCOUNT.
(a) In General.—Section 223(b)(5) of the Internal Revenue Code of 1986 is amended to read as follows:
“(5) Special rule for married individuals with family coverage.—
“(A) In general.—In the case of individuals who are married to each other, if both spouses are eligible individuals and either spouse has family coverage under a high deductible health plan as of the first day of any month—
“(i) the limitation under paragraph (1) shall be applied by not taking into account any other high deductible health plan coverage of either spouse (and if such spouses both have family coverage under separate high deductible health plans, only one such coverage shall be taken into account),
“(ii) such limitation (after application of clause (i)) shall be reduced by the aggregate amount paid to Archer MSAs of such spouses for the taxable year, and
“(iii) such limitation (after application of clauses (i) and (ii)) shall be divided equally between such spouses unless they agree on a different division.
“(B) Treatment of additional contribution amounts.—If both spouses referred to in subparagraph
(A) have attained age 55 before the close of the taxable year, the limitation referred to in subparagraph (A)(iii) which is subject to division between the spouses shall include the additional contribution amounts determined under paragraph (3) for both spouses. In any other case, any additional contribution amount determined under paragraph (3) shall not be taken into account under subparagraph
(A)(iii) and shall not be subject to division between the spouses.”.
(b) Effective Date.—The amendments made by this section shall apply to taxable years beginning after December 31, 2025. <all>
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