HSA News for September 29, 2025
HSA news is compiled weekly by Mr. HSA, Roy Ramthun.
News from Washington
White House Study Touts HSA Eligibility Expansion Amid Health Care Funding Fight
The White House is touting efforts to expand eligibility for HSAs for millions of Americans, as Democrats’ demands around health care access are front-and-center in the government funding fight. A report from the White House Council of Economic Advisers outlines how the One Big Beautiful Bill Act is expected to expand access to HSAs for millions of Americans.
White House: Expansion of HSA Eligibility Under OBBB Act to Improve Marketplace Coverage, Affordability, and Access
Prior to the One Big Beautiful Bill Act, only some HDHPs were considered HSA-eligible. We estimate the additional enrollment of 3 million in catastrophic plans coupled with the expansion of HSA eligibility for bronze and catastrophic plans, will increase the number of Americans eligible for an HSA to 10 million.
HSA Studies & Analysis
HSA User Survey Reveals Account Underutilization Drives Higher Than Expected Out-of-Pocket Costs
A new survey of HSA users by InComm Benefits finds a majority of accountholders want to use their HSA as a spending tool to cover eligible health and wellness expenses. But half also admit they do not submit reimbursements for out-of-pocket spend on eligible expenses because “the process is a hassle,” leads to more lost value than they realize.
Compliance Corner
Want to Open and Fund an HSA? You Must Ace This Three-Part Test to Become Eligible.
What requirements must I satisfy to be eligible to open and fund a Health Savings Account? First, your medical coverage must be through an HSA-qualified medical plan. Second, you cannot be another taxpayer’s tax dependent. Third, you cannot have any disqualifying coverage. Pay close attention to this last requirement.
Market Trends
High-Deductible Health Plan Enrollment Surges Among Older Workers
AARP says that between 2012 and 2022, the share of older workers enrolled in an HDHP increased 77%, from 30% to 53%. By 2022, 16.4 million older workers were enrolled in an HDHP. But just less than half of older workers are enrolling in both HDHPs and HSAs, despite the widespread offers of HSA-eligible HDHPs to employees.
HSAs & Retirement
4 Hidden Expenses That Sneak Up on Retirees After Age 75
Many people expect their expenses to shrink in retirement, but for many Americans, the opposite happens after 75. Costs rise in ways after a decade into retirement. Health care, taxes, home modifications, and everyday bills can feel more expensive than ever. Here are the hidden costs most likely to surprise retirees, and how to plan ahead.
Prescription-Drug Plans Have Financial Implications Before, During Retirement
The price of drug coverage continues to rise, and 90% of seniors take at least one prescription drug. You may be lucky, but plan on being typical and not the exception. Too few workers think about medical expenses in retirement. As prescription drugs become a larger part of that expense, it behooves you to formulate and execute a plan long before you retire.
Maximizing Your HSA
401(k) Millionaires and Maximizing Your HSA
No account has more tax benefits than the HSA. Contributions go in pre-tax, the money grows tax-deferred, and withdrawals are tax-free if used for qualified healthcare expenses. You can maximize those tax benefits by being smart about how you manage your HSA. In this podcast, Roger Young, thought leadership director at T Rowe. Price, shares his ideas for maximizing your HSA.
Consumer-Driven Health Care
High-Markup Hospitals Also Have Worst Patient Outcomes
High-markup hospitals, which tend to be for-profit and located in large metropolitan areas, charge up to 17 times the true cost of care, a new study found. Moreover, higher prices don’t translate into better care. In fact, patient outcomes at high-mark-up hospitals are significantly worse than at hospitals that charge an average of three times the cost of care.