Health-E Commerce Celebrates Congressional Progress on Health Savings Accounts for All Americans

Advancements in Health Savings Accounts: A Major Win for Americans



In a landmark legislative move, Health-E Commerce, the parent organization of FSA Store® and HSA Store®, recently voiced strong approval for Congress after the passage of the 'One Big Beautiful Bill Act' (HR. 1). This significant budget reconciliation bill, which was enacted on July 4, 2025, introduces vital changes to Health Savings Accounts (HSAs) aimed at making them more accessible to millions of Americans.

The expansion of HSAs is not just a bureaucratic change; it's a pathway empowering Americans to take charge of their health finances. With health costs on the rise, these tax-free accounts serve as essential tools for managing out-of-pocket expenses, particularly in an era where healthcare spending continues to escalate.

The reforms introduced by this legislation include a permanent enhancement to the telehealth safe harbor specifically for high-deductible health plans (HDHPs). This provision enables HDHPs to cover telehealth services before reaching the deductible—a first-dollar coverage approach—while maintaining the option for participants to establish and contribute to an HSA.

Additionally, the new law recognizes Bronze and Catastrophic plans on the Affordable Care Act marketplace as HSA-eligible, thus broadening the range of health plans that can cater to those looking to leverage HSAs. It's particularly noteworthy that individuals enrolled in Direct Primary Care Service Arrangements can now open HSAs and use their funds to pay for service fees, further enhancing the flexibility these accounts offer.

Zack Peckham, the CEO of Health-E Commerce, emphasizes the importance of this legislative victory: "This significant measure is pivotal in empowering Americans. It acknowledges the financial challenges individuals and families face today, promoting affordability, flexibility, and personal choice in healthcare—a much-needed update to support our collective welfare."

Also included in the bill is a substantial increase in the annual contribution limits for dependent care Flexible Spending Accounts (FSAs), now set at $7,500, with a $3,750 cap for married individuals filing separately. This marks the first significant adjustment since 1986 and allows families to allocate more pre-tax dollars for essential caregiving expenses such as daycare and afterschool programs. The increase not only reduces the financial burden on working families but also helps them balance professional responsibilities with family needs.

With Health-E Commerce at the forefront of consumer education for HSAs and FSAs, the organization continues to advocate for greater understanding around how these accounts can be beneficial. From educational articles and eligibility checklists to interactive calculators and an expense tracking app, Health-E Commerce aims to equip consumers with the knowledge they need to maximize their health benefits.

As we look to the future, it is evident that these legislative strides are not just about financial tools; they represent a commitment to health security for many families. In a time filled with uncertainty, legislative efforts to enhance HSAs are steps toward ensuring Americans can access the care they need without the added stress of financial constraints.

As Health-E Commerce leads the charge in advocating for and educating consumers around HSA benefits, it's clear that these recent developments mark a new chapter in health financing. By facilitating broader access and simplifying the process, lawmakers are taking significant actions to create an environment where American families can thrive, focusing on health and well-being rather than being weighed down by looming medical costs.

In conclusion, the advancements in Health Savings Accounts reflected in the new budget reconciliation act not only pave the way for financial empowerment but signify a deeper understanding of the intertwined relationship between healthcare and financial security. The future of health savings looks promising, ensuring that a growing number of Americans can navigate their healthcare journeys with greater confidence and reduced financial strain.

Topics Health)

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