Personalized Care Act of 2025

Sponsor: Ted Cruz (Republican-TX)January 28, 2025

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Read twice and referred to the Committee on Finance.

Lets more Americans use Health Savings Accounts, contribute more money, and pay for more health costs.

This bill would let many more people use Health Savings Accounts (HSAs), including those with government health plans or health care sharing ministries. It would also greatly increase how much money people can put into these accounts each year. Plus, it would allow HSA funds to cover more types of medical costs, like health insurance premiums and direct primary care fees.

What Would Change

Today, only people with high deductible health plans can open Health Savings Accounts (HSAs), with annual limits of $2,250 for individuals and $4,500 for families. This bill would let almost anyone with health coverage open an HSA, raising annual limits to $10,800 for individuals and $29,500 for families. It would also allow HSA funds to pay for health insurance premiums and direct primary care, which is not generally allowed today.

Key Provisions

Lets more people with any health plan, including government plans or health care sharing ministries, open and contribute to Health Savings Accounts.
Increases the maximum amount people can put into their HSAs each year to $10,800 for individuals (up from $2,250) and $29,500 for families (up from $4,500).
Allows people to use their HSA funds to pay for health insurance premiums.
Lets people use their HSA funds for periodic fees paid to doctors for direct primary care services.
Reduces the penalty for taking money out of an HSA for non-medical reasons from 20% to 10%.
Allows members of health care sharing ministries to use HSA funds for their ministry fees and shared medical expenses.

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S 276 · 119th Congress · January 28, 2025 · AI Summary by gemini-2.5-flash · 8/10

Personalized Care Act of 2025

What Would Change

Key Provisions

Lobbying Activity