Personalized Care Act of 2025

This bill makes it easier for more people to open and use Health Savings Accounts (HSAs), which are special accounts where people save money for medical costs. Right now, only people with high-deductible health plans can have an HSA, but this bill would let people with many other types of health coverage — including Medicare, Medicaid, military health plans, and regular insurance — open one too. The bill also raises the amount people can put into an HSA each year, from $4,300 to $10,800 for individuals and from $8,550 to $29,500 for families, and it lets people use HSA money for more things like insurance premiums. It also lowers the penalty for using HSA money on non-medical expenses from 20% to 10%, and it allows fees for direct care and health care sharing ministries to count as medical expenses on tax returns.

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