HSA News for June 29, 2026
HSA news is compiled weekly by Mr. HSA, Roy Ramthun.
News from Washington
GOP Hopes to Make an Employer Health Package Part of Reconciliation 3.0 Deal
Conservative Republicans in the U.S. House are trying to get changes to Health Savings Account changes into any "Reconciliation 3.0" package that Congress considers. Rep. Eric Burlison (R-MO) held a press conference in Washington on June 24 to propose using his Great American Healthcare Plan bill as the vehicle for adding provisions into the bill.
House GOP Races to Make Reconciliation 3.0 Real
House Republicans have a dwindling number of days to prove Reconciliation 3.0 might actually happen before they break again for the July 4 holiday. If members want a realistic chance at fulfilling their self-imposed timeline for advancing the legislation before the end of July -– when they pause work again for another five weeks — they need to move fast.
HSA Council Urges Lawmakers to Expand Health Savings Account Access
One of the fastest ways for lawmakers to increase healthcare affordability is to end the prohibition on HSA eligibility for recipients of federal programs such as Medicare as part of a third reconciliation bill to fund the federal government, the American Bankers Association’s HSA Council said last week.
Compliance Corner
IRS Reset on Health Savings Accounts Would Boost MAHA Outcomes
The Trump administration says it wants to make America healthy again, but it may be overlooking a key partner in that effort: the IRS. In a well-functioning tax system, re-calibration is part of the process. If done effectively, mills will be discouraged, legitimate players will sustain, and the risk of eligible taxpayers missing out on a benefit will decrease. To accomplish this, two specific barriers must be addressed.
7 Basic Rules of an HSA You Need to Know
Understanding the basic rules of a Health Savings Account is critical in driving employee participation. According to a survey by WEX, HSAs were one of the top three benefits employees wanted more education on. If you’d like to learn more about HSA rules, check out this blog post.
Patients Can Save Thousands With Drug Coupons, but Only if Insurers Honor Them
Not all insurance types use co-pay accumulators. Medicare and Medicaid prohibit co-pay assistance because federal anti-kickback laws forbid drug manufacturers from offering financial incentives to influence patients’ choices. And the IRS prohibits such help for high-deductible plans with HSAs. But individual and commercial group plans can use them.
Market Trends
Millions Dropped ObamaCare Plans After Subsidies Ended
About four million Americans have dropped out of Affordable Care Act insurance coverage this year as costs soared due to the loss of enhanced subsidies. Experts have said they are not expecting a “death spiral” in the marketplace, but falling enrollments as well as large numbers of people switching to less generous, high-deductible bronze plans are contributing to concerns about stability.
Best Practices
Why Your HSA Is the Most Underused Asset in Your Benefits Package
The HSA should be one of the most valued tools in an organization’s benefits package. But for many workforces, it isn’t. The reasons are largely structural, but they're also very fixable. The organizations that figure that out first will have a meaningful advantage, both in what they offer employees and in what they get in return.
HSAs & Retirement
Think You’ve Got Enough Saved in Your HSA? Medicare Won't Cover These 3 Healthcare Costs in Retirement — and They Can Top $100,000 a Year
Medicare has some significant gaps, and only finding out about them after you’ve retired is not only a nasty surprise — it’s a very expensive one, too. Here’s what you need to know about three of the most common (and most expensive) healthcare expenses Medicare won’t cover. Together, they can easily run you six figures a year.
HSAs and Retirement: Understanding IRMAA and Your Medicare Premiums
Medicare enrollees' premiums are subsidized by the federal treasury with general tax revenues. Those subsidies are reduced with higher retirement income levels. HSA owners can use their accounts strategically to reduce the probability that they will be thrust into higher Medicare premiums when they must tap another account to pay their medical bills.
Maximizing Your HSA
Catchin' Up. How the Additional $1,000 Annual HSA Contribution Works.
Health Savings Account owners age 55 and older can contribute an additional $1,000 annually. Older Americans are more likely to incur higher medical expenses, so the catch-up contribution helps with both higher current expense and future medical bills. Seize this opportunity to secure a richer financial future.