Personalized Care Act of 2025

This bill makes changes to Health Savings Accounts (HSAs) and medical tax deductions. Currently, people can only contribute to an HSA if they have a high-deductible health plan, but this bill would let people with many other types of health coverage contribute to HSAs, including those with Medicare, Medicaid, regular health insurance, and health care sharing ministries. The bill increases how much people can put into their HSAs each year from $4,300 to $10,800 for individuals and from $8,550 to $29,500 for families. It also expands what HSA money can be spent on to include health insurance premiums and direct care fees, and reduces the penalty for using HSA money incorrectly from 20% to 10%.

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