This bill prohibits using health savings accounts, flexible spending accounts, and similar tax-advantaged medical accounts to pay for abortions. Exceptions apply for pregnancies resulting from rape or incest, or when the pregnant woman life is in danger as certified by a physician.
Latest Action
Read twice and referred to the Committee on Finance.
AI Summary
Plain-English explanation of this bill
This bill prohibits using health savings accounts, flexible spending accounts, and similar tax-advantaged medical accounts to pay for abortions. Exceptions apply for pregnancies resulting from rape or incest, or when the pregnant woman life is in danger as certified by a physician.
Last updated: 1/5/2026
Official Summary
Congressional Research Service summary
<p><strong>Protecting Life in Health Savings Accounts Act</strong></p><p>This bill excludes expenses paid for an abortion from qualified medical expenses eligible for reimbursement from certain tax-exempt savings accounts. (Some exceptions apply.)</p><p>Under the bill, amounts paid for an abortion, other than an excluded abortion, are not qualified medical expenses eligible for reimbursement from a health savings account, Archer medical savings account, health flexible spending arrangement, health reimbursement arrangement, or retiree health account.</p><p>The bill defines <em>excluded abortion</em> as any abortion (1) related to a pregnancy that is the result of rape or incest; or (2) performed because a woman is suffering from a physical disorder, injury, or illness (including a life-endangering physical condition caused by or arising from the pregnancy itself) that would, as certified by a physician, place the woman in danger of death if an abortion were not performed.</p>
Key Points
Main provisions of the bill
Excludes most abortions from HSA eligible expenses
Prohibits FSA reimbursement for abortion
Allows exceptions for rape, incest, or life endangerment
Affects health reimbursement arrangements too
Limits tax-advantaged payment for abortion
How This Impacts Americans
Potential effects on citizens and communities
People could no longer use pre-tax health account funds for most abortion expenses. This would increase out-of-pocket costs for abortion care. The exceptions mirror those in other abortion funding restrictions. Pro-life groups support the measure while reproductive rights advocates oppose it.
Policy Areas
Primary Policy Area
Taxation
Scope & Jurisdiction
Jurisdiction Level
federal
Congressional Session
119th Congress
Citation Reference
251, 119th Congress (2025). "Protecting Life in Health Savings Accounts Act". Source: Voter's Right Platform. https://votersright.org/bills/118-s-251