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High Impact

Personalized Care Act of 2023

Record date · December 17, 2024

Introduced
Committee
Floor Vote
Passed
Law

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Public stanceCommunity reactions are separate from the official record and reporting.

What This Bill Would Do

This bill expands eligibility for Health Savings Accounts (HSAs) to include individuals with any health plan or membership, significantly increases annual contribution limits, and allows HSA funds to be used for insurance premiums and direct primary care fees. It also reduces the tax penalty for using HSA funds for non-medical expenses from 20% to 10%.

Why it matters

If enacted, this bill would change how millions of Americans save for and pay for healthcare by removing the requirement to have a high-deductible health plan to qualify for an HSA and allowing tax-advantaged funds to cover monthly insurance premiums.

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

HSA account holders

Individuals with HSAs will see higher contribution limits and expanded options for how they can spend their funds.

Directly affected

Health insurance policyholders

Individuals previously ineligible for HSAs due to their plan type will become eligible to open and contribute to an HSA.

Directly affected

Health care sharing ministry members

Members will be eligible to open HSAs and count their membership fees as qualified medical expenses.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Do I still need a high-deductible health plan to have an HSA?
No. Under this bill, the requirement to have a high-deductible health plan is removed, allowing anyone with a health plan, insurance, or membership to be eligible.
Can I use my HSA money to pay for my monthly health insurance premiums?
Yes. The bill amends the law to allow HSA funds to be used for the payment of health insurance premiums.
What happens if I use my HSA money for something other than medical expenses?
The tax penalty for s is reduced from 20% to 10%.

What else do you want to know?

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Where This Stands

Currently filed. The next step in the legislative lifecycle is Committee.

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

Lobbying Activity

AARP

$4,110,000

2026

HEALTH ISSUESMEDICARE/MEDICAIDLAW ENFORCEMENT/CRIME/CRIMINAL JUSTICEPHARMACY

“P.L. 119-21, One Big Beautiful Bill Act H.R. 8867, Planning for Long-term Aging Needs (PLAN) Act H.R. 5861, Legacy Act of 2025 H.R. 9393, the Lower Costs, More Transparency Act. H.R. 9396, the Prior Authorization Accountability Act. S. 4916, the Aging with Artificial Intelligence Act. H.R. 8100, Safe Staffing Saves Lives Act. S. 3886, Nurses Belong in Nursing Homes Act. H.R. 6766/S. 3492, the Essential Caregivers Act of 2025. H.R. 7966/S. 4118, Hospice Care Accountability, Reform, and Enforcement (Hospice CARE) Act. S. 2120, the Older Americans Act Reauthorization Act of 2025 H.R. 5575, the Firefighters Assisting Seniors to Emergency Response (FASTER) Act of 2025. H.R. 3954/S. 4641, Improving Access to Medicare Coverage Act. H.R.5554/S.2831, Stand Strong for Medicare Act. S. 3439/H.R. 6735, Connecting Caregivers to Medicare Act and efforts related to the bill S. 1227/H.R. 2491, Alleviating Barriers for Caregivers Act S. 668/H.R. 3183, Supporting Access to Falls Education and Prevention and Strengthening Training Efforts and Promoting Safety Initiatives (SAFE STEPS) for Veterans Act of 2025 CMS-1851-P, Hospice Proposed rule. CMS-1843-P, Skilled Nursing Facility Proposed rule. CMS-1844-P, Home Health Proposed rule. No bill number. Health care transparency. No bill number. Discussed use of artificial intelligence and health data technology. No bill number. Discussed health-related policies and activities around the fall respiratory virus season. No bill number. Discussed health insurance affordability proposals. No bill number. Discussed Nursing Home staffing standards, safety, and quality. No bill number. Discussed Nursing home transparency and ownership requirements. No bill number. Discussed home health, hospice, and long-term care. No bill number. Discussed falls prevention. No bill number. Discussed social isolation. No bill number. Discussed HUD Assisted Living Requirements No bill number. Discussed family caregiving. No bill number. Discussed AARP paper on Medicare Caregiver Training Services. No bill number. Discussed Medicaid community engagement interim final rule, including the family caregiver exemption. No bill number. Discussed the paid direct care workforce in long-term care. No bill number. Discussed the unaffordability of long-term care. No bill number. Discussed Money Follows the Person Rebalancing Demonstration Program and Medicaid HCBS spousal impoverishment protections. No bill number. Discussed Medicaid fraud and family caregivers, Medicaid self-direction programs. No bill number. Discussed sandwich generation family caregiver hearing and submitted a statement for the record discussing family caregivers and sandwich generation caregivers, programs that support them, AARP caregiving resources, and federal policies to support sandwich generation caregivers and caregivers more broadly. No bill number. Discussed long-term care. No bill number. CMS-2453-NC; Medicaid Program; 2028 Medicaid Home and Community-Based Services Quality Measure Set Submitted comments No bill number. Discussed expanding access to home care. No bill number. Discussed the increasing cost of home care No bill number. Discussed HSA use for telehealth chronic care management services/subscriptions. No bill number. Discussed artificial intelligence and technology”

Senate LDAMatched on title words onlyView on LDA.gov →

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift100% confidence

Decoupling HSAs from High-Deductible Plans

The bill represents a fundamental shift in HSA policy by removing the 'high-deductible' requirement, effectively turning HSAs into a universal health savings vehicle.

Connected Entities

Good of Virginia, Mr., Mr. Bishop of North Carolina, Mr. Gosar and 15 more
PersonGood of Virginia, Mr.“Co-sponsor of the bill.”Map →
PersonMr. Bishop of North Carolina“Co-sponsor of the bill.”Map →
PersonMr. Gosar“Co-sponsor of the bill.”Map →
PersonMr. Williams of Texas“Co-sponsor of the bill.”Map →
PersonMeuser, Mr.“Co-sponsor of the bill.”Map →
PersonRoy, Mr.“Lead sponsor of the bill in the House of Representatives.”Map →
OrganizationHouse of Representatives“The legislative body in which the bill was introduced.”Map →
PersonGaetz, Mr.“Co-sponsor of the bill.”Map →
PersonMr. Norman“Co-sponsor of the bill.”Map →
PersonTiffany, Ms.“Co-sponsor of the bill.”Map →
OrganizationInternal Revenue Service“The agency responsible for administering the Internal Revenue Code.”Map →
PersonMs. Mace“Co-sponsor of the bill.”Map →
PersonRouzer, Mr.“Co-sponsor of the bill.”Map →
PersonMs. Hageman“Co-sponsor of the bill.”Map →
PersonMr. Babin“Co-sponsor of the bill.”Map →
PersonSpartz, Mrs.“Co-sponsor of the bill.”Map →
OrganizationSenate“The legislative body that will need to pass the bill.”Map →
PersonMr. Biggs“Co-sponsor of the bill.”Map →

Sources

Open source document

www.congress.gov

Analysis Score

0–100
  • Significance85
    How much this matters to a regular citizen
  • Controversy60
    Intensity of disagreement among stakeholders
  • Entertainment10
    Compellingness for a non-policy-wonk reader
  • Buzz30
    Current news / social attention level

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