ABLE MATCH (Making Able a Tool to Combat Hardship) Act

Sponsor: Debbie Dingell (Democratic-MI)July 21, 2026

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Referred to the House Committee on Ways and Means.

People with disabilities would get federal matching funds for their ABLE savings accounts.

This bill would help people with disabilities save money by adding federal matching funds to their ABLE accounts. If signed into law, the government would match contributions up to $2,000 for those who meet income rules, helping them build savings without losing other benefits. This aims to address the higher poverty rates faced by people with disabilities.

What Would Change

Today, people with disabilities can save money in ABLE accounts, but they don't receive federal matching funds for their contributions. After this bill becomes law, eligible individuals would get a dollar-for-dollar match from the federal government for up to $2,000 of their yearly contributions, directly boosting their savings, starting with taxable years beginning after December 31, 2026.

Key Provisions

Adds federal matching payments directly to ABLE accounts for eligible individuals.
Matches 100% of contributions up to $2,000 per year for those below certain income levels.
Phases out matching payments for individuals earning above $28,000, or $56,000 for joint filers.
Authorizes $5,000,000 to be appropriated each year for States to promote ABLE accounts and the new matching credit.
Ensures residents of U.S. possessions receive equivalent benefits.
Requires ABLE programs to report demographic information (like race, gender, and disability type) about account holders.

View on Congress.gov

HR 9801 · 119th Congress · July 21, 2026 · AI Summary by gemini-2.5-flash · 9/10

ABLE MATCH (Making Able a Tool to Combat Hardship) Act

What Would Change

Key Provisions

Lobbying Activity