The 2025 “Working Families Tax Cuts” gave Health Savings Accounts a major upgrade

HSA eligibility now includes Obamacare bronze and catastrophic plans, along with direct primary care arrangements. That means millions of additional families can now contribute to an HSA for the first time.

But expanded eligibility is only half the story.

Most Americans still use their HSA like a checking account, paying medical bills immediately and keeping the balance in cash. This video explains the smarter long-term strategy: invest the balance, preserve tax-free growth, document expenses carefully, and reimburse later. Used correctly, an HSA is not just a spending account. It is one of the most powerful tax-advantaged tools in the tax code.