Congress·In Committee·H.R. 9518

Health Savings for Families Act of 2026

Health Savings Accounts: Rules for Married Couples

To amend the Internal Revenue Code of 1986 to allow contributions to a health savings account when a spouse has a health flexible spending account.

Jun 29·View on Congress.gov·Read full text

Next up: A house committee

This bill is currently in the early stages of the legislative process and is being reviewed by the House Committee on Ways and Means. No further actions are scheduled at this time, and the bill is not moving forward. There is no companion bill listed for this proposal.

Legislative Progress

House

Senate

President

Law

Unlikely to pass

While this bill addresses a common frustration for families, most small tax changes like this only pass if they are added to a much larger year-end spending package.

Key Points

This bill changes tax rules so more married couples can use Health Savings Accounts. Currently, if one spouse has a flexible spending account at work, it can often prevent the other spouse from putting money into a health savings account. This bill removes that barrier.
The change allows one person to keep a flexible spending account for their own medical costs while their spouse saves money in a separate health savings account. This gives families more ways to save for doctor visits and medicine without losing tax benefits.
To use this new rule, the spouse's flexible spending account must only be used for their own expenses. It cannot be used to pay for the medical bills of the person who has the health savings account. This ensures people do not get double tax breaks for the same bill.
If this bill becomes law, the new rules would start for health plans beginning in 2027. This gives families and employers time to understand the changes and update their benefit choices during enrollment periods.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

2 milestones2 actions

Jun 29, 2026House

Referred to the House Committee on Ways and Means.

Jun 29, 2026

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes, news coverage, or related bills recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

To amend the Internal Revenue Code of 1986 to allow contributions to a health savings account when a spouse has a health flexible spending account.

Bill NumberHR 9518

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the House Committee on Ways and Means.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Analysis generated by AI. Always verify with official sources.