HSA News for December 15, 2025
HSA news is compiled weekly by Mr. HSA, Roy Ramthun.
News from Washington
IRS Issues Guidance on Health Savings Account Provisions in Tax Bill
The IRS released guidance on new tax benefits for HSA participants under the One Big Beautiful Bill passed by Congress earlier this year and signed into law in July, which included several provisions relating to HSAs. These changes expand HSA eligibility, which allows more people to save and to pay for healthcare costs through tax-free HSAs.
Crapo, Cassidy Introduce ACA Subsidy Plan That Leans on HSAs
Two leading Republican senators have introduced yet another plan to address the expiration of the ACA’s enhanced subsidies. Senate Finance Committee Chair Mike Crapo (R-ID) and Health, Education, Labor & Pensions Committee Chair Bill Cassidy (R-LA) unveiled a package that aims to send money directly to members via HSAs.
New Bill Lets Social Security Recipients Contribute to HSAs
Rep. Bob Latta (R-OH) has introduced legislation to allow those receiving Social Security and enrolled only in Medicare Part A to contribute to HSAs. Under current law, once an individual begins collecting Social Security benefits, they are automatically enrolled in Medicare Part A, which disqualifies them from making further HSA contributions.
HSA Studies & Analysis
Young Americans Lead in HSA Adoption But Carry Heaviest Economic Burden, HealthEquity Research Finds
According to new study, 56% of Gen Z and 50% of Millennials have HSAs, significantly outpacing Gen X and Boomers. Despite their proactive approach to healthcare savings, Gen Z reports the highest economic concern at 84%, and younger workers are significantly more likely to say financial stress affects their workplace performance.
Compliance Corner
How Will HSA-Compatible Direct Primary Care Work? The IRS Explains
The IRS’ new guidance could help make direct primary care practices a major force in the U.S. health care sector and shape how the DPC practices work. Consumers who combine HSAs with HDHP coverage and a DPC practice membership will no longer have to worry as much about spending the HSA cash on care for sore throats or bad coughs.
What Happens to My HSA When I Change Jobs?
For years, people have asked whether they can use their HSA balances or Health FSA dollars to purchase medical care. Now, along comes a company that boasts that it has developed a litter box that you can purchase with HSA or Health FSA dollars. Is this true? If not, why not?
Can You Purchase a Cat Litter Box with Tax-Free Health Savings Account Funds?
For years, people have asked whether they can use their HSA balances or Health FSA dollars to purchase medical care. Now, along comes a company that boasts that it has developed a litter box that you can purchase with HSA or Health FSA dollars. Is this true? If not, why not?
Market Trends
Employers Rank Health Care Cost Control as No. 1 Priority
Employers have bumped health benefit cost-containment to the top of their strategic priorities list, according to a new survey. Going into next year, 42% of employers cited health care cost control for both the organization and its employees as their top objective, pushing last year’s top goal, “attracting and retaining a competitive workforce,” to third.
HSAs & Retirement
Turning 55 in 2026? 3 Things You Need to Know.
If you're turning 55 in 2026, there are some important things you need to know in the context of retirement planning. First, the rules for making 401(k) catch-up contributions are changing in the new year, and that shift may affect you. But if you have an HSA, you will finally eligible to contribute an extra $1,000 starting next year.
Maximizing Your HSA
3 HSA Mistakes to Avoid in 2026
The nice thing about HSAs is that they combine all of the benefits of a traditional IRA and a Roth IRA into a single account you can fund for medical spending. If you're in the habit of saving in an HSA, it's important to make the most of that account. With that in mind, here are three HSA mistakes to avoid in the new year.
Don’t Settle for a Subpar Health Savings Account
If your employer-provided HSA is lacking, you have three choices. Option 1: Contribute to another HSA on your own. Option 2: Transfer the money from your employer-provided HSA into another HSA. Option 3: Roll over the money from your employer-provided HSA into another HSA. Here's how to determine which one is best for you.
What Happens to My HSA When I Change Jobs?
Have you recently changed employers, Or are you considering making a change? Fortunately, when you participate in an HSA through your employer, your HSA stays with you. There are plenty of myths about HSAs, but here's what really happens to your HSA when you change employers. The bottom line is that your HSA is yours.
Consumer-Driven Health Care
Things to Do if You’re Not Eligible for a Health Savings Account
Even if you don’t qualify for a Health Savings Account, you still have ways to set money aside and plan for medical expenses. Here are a few alternatives to consider to help you plan and manage healthcare costs.