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To amend the Internal Revenue Code of 1986 to expand eligibility for health savings accounts, and for other purposes.
Summary
This bill expands eligibility for Health Savings Accounts (HSAs) by allowing individuals covered under any health insurance plan to contribute to an HSA, rather than limiting eligibility to those with high-deductible health plans. The bill defines covered health plans as any qualified health plan offered through an Affordable Care Act Exchange or any group health plan offered by an employer. This expansion would allow more people to use tax-advantaged savings accounts for health care expenses. The changes take effect for taxable 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)
- Rep. Bean, Aaron [R-FL-4] (R-FL)
7 cosponsors
Money behind the sponsor
Top reported contributors to Aaron Bean’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- BAPTIST HEALTH $9,500
- SHIELD PROPERTIES INC. $8,300
- APOLLO GLOBAL MANAGEMENT $7,800
- THE MAYERNICK GROUP $7,000
- PET PARADISE RESORT $6,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Aaron Bean → · Outside spending →
Actions (2)
- Feb 25, 2026 Referred to the House Committee on Ways and Means. · house
- Feb 25, 2026 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.
Full text
IN THE HOUSE OF REPRESENTATIVES
February 25, 2026
Mr. Bean of Florida (for himself, Mr. Barrett, and Mr. Haridopolos) 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 expand eligibility for health savings accounts, and for other purposes.
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 “HSA’s For All Act”.
SEC. 2. EXPANSION OF ELIGIBILITY FOR HEALTH SAVINGS ACCOUNTS.
(a) In General.—Section 223(c)(1) of the Internal Revenue Code of 1986 is amended to read as follows:
“(1) Eligible individual.—The term ‘eligible individual’ means, with respect to any month, any individual if such individual is covered under a covered health plan as of the 1st day of such month.”.
(b) Covered Health Plan.—Section 223(c)(2) of such Code is amended to read as follows:
“(2) Covered health plan.—The term ‘covered health plan’ means—
“(A) any qualified health plan (as defined in section 1301(a) of the Patient Protection and Affordable Care Act) offered through an Exchange established under such Act, or
“(B) any group health plan (as defined in section 2791 of the Public Health Service Act).”.
(c) Conforming Amendments.—
(1) Section 26(b)(2)(S) of such Code is amended by striking “high deductible health plan” and inserting “covered health plan”.
(2) Section 223 of such Code, as amended by the preceding provisions of this Act, is amended by striking “high deductible health plan” each place it appears and inserting “covered health plan” in each such place.
(3) Section 223(b)(8)(B) of such Code is amended by striking “high deductible health plan” in the heading and inserting “covered health plan”.
(4) Section 223(c) of such Code, as amended by the preceding provisions of this Act, is amended—
(A) by striking paragraph (3), and
(B) by redesignating paragraphs (4) and (5) as paragraphs (3) and (4), respectively.
(5) Section 223(g)(1) of such Code is amended—
(A) in the matter preceding subparagraph (A), by striking “subsections (b)(2), (c)(2)(A), and in the case of taxable years beginning after 2026,
(c)(1)(E)(ii)(II)” and inserting “subsection
(b)(2)”,
(B) in subparagraph (B), by striking “for ‘calendar year 2016”’ and all that follows through “‘calendar year 2025’.” and inserting “‘calendar year 1997’ for ‘calendar year 2016’ in subparagraph
(A)(ii) thereof.”, and
(C) in the flush sentence at the end, by striking “subsections (b)(2), (c)(1)(E)(ii)(II), and
(c)(2)(A)” and inserting “subsection (b)(2)”.
(6) Section 408(d)(9) of such Code is amended—
(A) by striking “high deductible health plan” each place it appears and inserting “covered health plan” in each such place, and
(B) in subparagraph (D), by striking “high deductible health plan” in the heading and inserting “covered health plan”.
(d) Effective Date.—The amendments made by this section shall apply to taxable years beginning after December 31, 2026. <all>
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