Emergency Relief for Federal Contractors Act of 2025

House Bill

H.R. 5690

119th Congress

Emergency Relief for Federal Contractors Act of 2025

In Committee

Introduced:Oct 8, 2025

Primary Sponsor

Debbie Dingell

Representative

Democratic

MI-6

Cosponsors

1

Quick Stats

Policy Area

Taxation

Summary

This bill allows people to use money from their health savings accounts (HSAs) to pay for medical expenses that happened before they opened their HSA, as long as they opened the HSA within 60 days of starting their health insurance plan. This gives people more flexibility to use their HSA funds.

Latest Action

Referred to the Subcommittee on Health.

SponsorDebbie Dingell (D-MI)

Introduced10/8/2025

StatusReferred to the House Committee on Ways and Means.

ChamberHouse

Data from Congress.gov

See this page through your district lens

Enter ZIP to personalize representatives and vote context.

Stay on top of this issue

Subscribe for weekly bill and representative updates.

Vote Prediction

Emergency Relief for Federal Contractors Act of 2025

This bill allows people to use money from their health savings accounts (HSAs) to pay for medical expenses that happened before they opened their HSA, as long as they opened the HSA within 60 days of starting their health insurance plan. This gives people more

Community Breakdown

Pass

0%

Fail

0%

0 predictions

This bill allows people to use money from their health savings accounts (HSAs) to pay for medical expenses that happened before they opened their HSA, as long as they opened the HSA within 60 days of starting their health insurance plan. This gives people more flexibility to use their HSA funds.

Bill Number: 5690
Sponsor: Debbie Dingell (D-MI)
Introduced: 10/8/2025
Status: Referred to the House Committee on Ways and Means.
Policy Area: Taxation

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Emergency Relief for Federal Contractors Act of 2025
Bill Number: 5690
Sponsor: Debbie Dingell (D-MI)
Status: Referred to the House Committee on Ways and Means.
Introduced: 10/8/2025
Summary: This bill allows people to use money from their health savings accounts (HSAs) to pay for medical expenses that happened before they opened their HSA, as long as they opened the HSA within 60 days of starting their health insurance plan. This gives people more flexibility to use their HSA funds.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill allows people to use money from their health savings accounts (HSAs) to pay for medical expenses that happened before they opened their HSA, as long as they opened the HSA within 60 days of starting their health insurance plan. This gives people more flexibility to use their HSA funds.

Last updated: 12/29/2025

Official Summary

Congressional Research Service summary

Advancing Health Savings Act of 2023This bill excludes from taxable income any distributions from a health savings account (HSA) used to pay qualified medical expenses incurred before the HSA is established if the HSA is established within 60 days from the first day of coverage under a high-deductible health plan (HDHP).Under current law, distributions from an HSA established in connection with a HDHP are excluded from taxable income if used to pay qualified medical expenses incurred on or after the date that the HSA is established. However, under current law, HSA distributions are taxable if used to pay otherwise qualified medical expenses incurred after enrolling in an HDHP but before establishing an HSA.Under the bill, an HSA that is established within 60 days of the first day of coverage under an HDHP is treated as being established on the first date that coverage begins under the HDHP.

Key Points

Main provisions of the bill

Lets people use HSA funds to pay for medical expenses incurred before the HSA was opened, as long as the HSA was opened within 60 days of starting their health plan
Current law does not allow this, and HSA distributions are taxable if used for expenses before the HSA was opened
The bill treats the HSA as being opened on the first day of the health plan coverage, as long as it was opened within 60 days

How This Impacts Americans

Potential effects on citizens and communities

This bill would benefit people with high-deductible health plans who need to access their HSA funds to pay for medical expenses right away, even if they haven't opened the HSA account yet. It gives them more flexibility and control over their healthcare spending.

Policy Areas

Primary Policy Area

Taxation

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

5690, 119th Congress (2025). "Emergency Relief for Federal Contractors Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-5690