Personalized Care Act of 2025

House Bill

H.R. 810

119th Congress

Personalized Care Act of 2025

In Committee

Introduced:Jan 28, 2025

Primary Sponsor

Eleanor Holmes Norton

Representative

Democratic

DC

Cosponsors

12

Quick Stats

Policy Area

Taxation

Summary

This bill dramatically expands Health Savings Accounts by removing the requirement for high-deductible health plans. It increases annual contribution limits to 10,800 dollars for individuals and 29,500 dollars for families. It also expands what HSA funds can pay for, including insurance premiums and direct primary care fees.

Latest Action

Referred to the House Committee on Ways and Means.

SponsorEleanor Holmes Norton (D-DC)

Introduced1/28/2025

StatusReferred to the House Committee on Ways and Means.

ChamberHouse

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Vote Prediction

Personalized Care Act of 2025

This bill dramatically expands Health Savings Accounts by removing the requirement for high-deductible health plans. It increases annual contribution limits to 10,800 dollars for individuals and 29,500 dollars for families. It also expands what HSA funds can p

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This bill dramatically expands Health Savings Accounts by removing the requirement for high-deductible health plans. It increases annual contribution limits to 10,800 dollars for individuals and 29,500 dollars for families. It also expands what HSA funds can pay for, including insurance premiums and direct primary care fees.

Bill Number: 810
Sponsor: Eleanor Holmes Norton (D-DC)
Introduced: 1/28/2025
Status: Referred to the House Committee on Ways and Means.
Policy Area: Taxation

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Personalized Care Act of 2025
Bill Number: 810
Sponsor: Eleanor Holmes Norton (D-DC)
Status: Referred to the House Committee on Ways and Means.
Introduced: 1/28/2025
Summary: This bill dramatically expands Health Savings Accounts by removing the requirement for high-deductible health plans. It increases annual contribution limits to 10,800 dollars for individuals and 29,500 dollars for families. It also expands what HSA funds can pay for, including insurance premiums and

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill dramatically expands Health Savings Accounts by removing the requirement for high-deductible health plans. It increases annual contribution limits to 10,800 dollars for individuals and 29,500 dollars for families. It also expands what HSA funds can pay for, including insurance premiums and direct primary care fees.

Last updated: 1/5/2026

Official Summary

Congressional Research Service summary

Personalized Care Act of 2025This bill expands health saving account (HSA) eligibility, increases HSA contribution limits, and makes other HSA-related changes. The bill also expands the definition of medical care for purposes of the itemized tax deduction for unreimbursed medical expenses.The bill eliminates the requirement that an individual must be covered by a high-deductible health plan to establish and contribute to an HSA. Under the bill, an eligible individual is defined as (1) a health care sharing ministry participant, or (2) individual covered under<ul><li>a group or individual health plan;</li><li>health insurance (including a short-term limited duration and medical indemnity plan); or</li><li>a government plan (including Medicare Part A and B, Medicaid, the Children’s Health Insurance Program, certain military and government employee health benefit programs, and the Indian Health Service and tribal organization programs).</li></ul>The bill increases annual HSA contribution limits to $10,800 (from $4,300 in 2025) for self-only coverage and $29,500 (from $8,550 in 2025) for family coverage, adjusted annually for inflation.The bill expands the qualified medical expenses that may be paid for with HSA distributions to include health insurance payments (e.g., premiums), direct care fees, and certain amounts paid by health care sharing ministry participants.The bill decreases the penalty to 10% (from 20%) for nonqualified HSA distributions. Finally, under the bill, direct care fees and fees paid for membership in a health care sharing ministry qualify as medical care for purposes of the itemized tax deduction for unreimbursed medical expenses.

Key Points

Main provisions of the bill

Removes high-deductible plan requirement for HSAs
Increases contribution limits to 10,800 individual and 29,500 family
Allows HSA use for insurance premiums
Covers direct care and health sharing ministry fees
Reduces penalty for non-qualified withdrawals to 10 percent

How This Impacts Americans

Potential effects on citizens and communities

Anyone with health coverage could establish and contribute to HSAs, not just those with high-deductible plans. The much higher contribution limits would allow substantial tax-advantaged medical savings. Consumers would have more flexibility in how they use HSA funds for healthcare expenses.

Policy Areas

Primary Policy Area

Taxation

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

810, 119th Congress (2025). "Personalized Care Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-810

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