--- title: New Health Care Bills Introduced that Would Affect HSAs, FSAs, and ACA description: Last week the U.S. House of Representatives passed 11 health care bills that would enhance consumer-driven healthcare, including HSAs, FSAs, and ACA. It's predicted that the Senate will vote on these bills before the end of the year and President Trump is expected to sign any and all of these bills image: https://blog.nisbenefits.com/hubfs/blog-headers/health%20care%20bills%208.18%20B.jpg --- ![New Health Care Bills Introduced that Would Affect HSAs, FSAs, and ACA](https://blog.nisbenefits.com/hubfs/blog-headers/health%20care%20bills%208.18%20B.jpg) # New Health Care Bills Introduced that Would Affect HSAs, FSAs, and ACA - Home - [Employee Benefit News for School, City and County Employers](https://blog.nisbenefits.com) - New Health Care Bills Introduced that Would Affect HSAs, FSAs, and ACA [ Rob Keller ](https://blog.nisbenefits.com/author/rob-keller) 08/10/2018 [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [0 Comments ](https://blog.nisbenefits.com/proposed-health-care-bills-hsa-fsa-aca#postComment) 2 Minutes Last week, the U.S. House of Representatives passed 11 health care bills that would enhance consumer-driven healthcare, including Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and the Affordable Care Act (ACA). The passing of these bills does not mean the bill will become law. First, the House of Representatives must approve the bill. Next, the Senate must approve or amend it. Lastly, the President must sign it. It is predicted that the Senate will vote on these bills before the end of the year and President Trump is expected to sign any and all of these bills if they pass. | ### **Health Savings Accounts (HSAs)** | | | --- | --- | | **Bill Name** | **Proposed Changes** | | Promoting High-Value Health Care Through Flexibility for High Deductible Health Plans Act | Allow HSA-linked, high deductible health plans to offer predeductible coverage for services and drugs used to treat chronic conditions (currently individuals with existing conditions pay out-of-pocket costs until the deductible is met) | | Bipartisan HSA Improvement Act | - Allows onsite employee clinics and retail clinics to provide “qualified items and services” without disqualifying the individual from making HSA contributions - Spouses could contribute to a family coverage HSA even if their spouse has an FSA (which currently is a disqualifying scenario) | | Improve the Rules with Respect to Health Savings Accounts Act | - Creates a new grace period for expenses incurred before HSA was established - Increases contribution limits for HSAs ($6,650 single, $13,300 family) - Both spouses could make catch-up contributions to the same HSA | | Allow Working Seniors to Keep Their Health Savings Account Act | Individuals could contribute to an HSA if they were over age 65 and entitled to Medicare Part A | | Personal Health Investment Today Act | - Qualified medical expenses would include gym memberships and exercise classes, allowing use of an HSA/FSA to pay for them - Qualifying expenses would be capped at $500 for individuals and $1,000 for joint filers - HSAs or FSAs could be used to cover dependent school sports programs (within limits) | |  Primary Care Enhancement Act |   - Individuals who are HSA eligible and participate in [direct primary care](https://en.wikipedia.org/wiki/Direct_primary_care) would not lose their HSA eligibility - [Direct primary care](https://en.wikipedia.org/wiki/Direct_primary_care) provider fees could be covered by HSA |   | ### **Flexible Spending Account (FSA)** | | | --- | --- | | **Bill Name** | **Proposed Changes** | | Responsible Additions and Increases to Sustain Employee Health Benefits Act | Remaining FSA balances could carry over to the following year |   | ### **Affordable Care Act (ACA)** | | | --- | --- | | **Bill Name** | **Proposed Changes** | | Employer Relief Act | - Delays Cadillac Tax until 2023 - Suspends [Employer Mandate Penalty](https://www.irs.gov/affordable-care-act/employers/employer-shared-responsibility-provisions) until January 1, 2019 | | Restoring Access to Medication Act | - HSAs and FSAs would be allowed to purchase over-the-counter drugs without a prescription - Menstrual care products would be considered a qualified medical expense | | Increasing Access to Lower Premium Plans Act | - Allows individuals to purchase a lower-premium copper plan outside of the exchanges - Changes the premium tax credit for low/moderate earners - Credit applies to “catastrophic” copper plans and qualified plans purchased outside the exchanges | | Health Savings Act | Expands access and eligibility to HSAs by allowing “catastrophic” and bronze plans in the ACA exchanges to qualify for HSA contributions |   If these bills pass in their current form, the provisions in the bill would take effect for plan years beginning after December 31, 2018. Stay tuned to our [blog](https://blog.nisbenefits.com/) for the latest updates on these pending bills.   [![Broker Report Card](https://no-cache.hubspot.com/cta/default/3325505/d0b5bcbd-76a3-4632-ac70-e9c05aeaa858.png)](https://cta-redirect.hubspot.com/cta/redirect/3325505/d0b5bcbd-76a3-4632-ac70-e9c05aeaa858) --- #### Tag: [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) #### Share: - [Follow us on Facebook ](http://www.facebook.com/share.php?u=https://blog.nisbenefits.com/proposed-health-care-bills-hsa-fsa-aca) - [Follow us on Twitter ](https://twitter.com/intent/tweet?url=https://blog.nisbenefits.com/proposed-health-care-bills-hsa-fsa-aca&text=New%20Health%20Care%20Bills%20Introduced%20that%20Would%20Affect%20HSAs,%20FSAs,%20and%20ACA) - [Follow us on Linkedin ](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.nisbenefits.com/proposed-health-care-bills-hsa-fsa-aca) - [Follow us on Pinterest ](http://pinterest.com/pin/create/button/?url=https://blog.nisbenefits.com/proposed-health-care-bills-hsa-fsa-aca&text=New%20Health%20Care%20Bills%20Introduced%20that%20Would%20Affect%20HSAs,%20FSAs,%20and%20ACAdescription=Last%20week,%20the%20U.S.%20House%20of%20Representatives%20passed%2011%20health%20care%20bills%20that%20would%20enhance%20consumer-driven%20healthcare,%20including%20Health%20Savings%20Accounts[...]&media=https://cdn2.hubspot.net/hubfs/3325505/blog-headers/health%20care%20bills%208.18%20B.jpg) --- [ #### Avoid Claim & Billing Issues by Submitting an Annual Census ##### Previous Post ](https://blog.nisbenefits.com/avoid-claim-billing-issues-annual-census) [#### Final Rule Released for Short-Term, Limited-Duration Insurance ##### Next Post ](https://blog.nisbenefits.com/final-rule-short-term-limited-duration-insurance) ### Leave a Reply This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Category - [Legislative News (1149)](https://blog.nisbenefits.com/topic/aca-other-legislative-news) - [Health Insurance Solutions (504)](https://blog.nisbenefits.com/topic/health-insurance-solutions) - [COVID-19 (209)](https://blog.nisbenefits.com/topic/covid-19) - [Ancillary Benefits (175)](https://blog.nisbenefits.com/topic/ancillary-benefits) - [Mental Health (122)](https://blog.nisbenefits.com/topic/mental-health) ### Popular Posts [ Steve Smith ](https://blog.nisbenefits.com/author/steve-smith) 02/16/2024 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions) [ Understanding Embedded vs. Nonembedded Deductibles ](https://blog.nisbenefits.com/understanding-embedded-nonembedded-deductibles) [ Erin Woulfe ](https://blog.nisbenefits.com/author/erin-woulfe) 02/09/2026 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [ IRS Releases 2027 Health Plan Cost-sharing Limits ](https://blog.nisbenefits.com/2027-health-plan-cost-sharing-limits) [ Valerie Ortiz ](https://blog.nisbenefits.com/author/valerie-ortiz) 02/17/2026 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ The Administrator's Corner](https://blog.nisbenefits.com/topic/the-administrators-corner) [ 4 Employee Wellness Trends You Can’t Ignore in 2026 ](https://blog.nisbenefits.com/2026-employee-wellness-trends) [ Dina Lubben ](https://blog.nisbenefits.com/author/dina-lubben) 11/14/2025 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [ Trump Administration Unveils Plan to Make GLP-1 Drugs Affordable ](https://blog.nisbenefits.com/trump-administration-plan-glp1-drugs-affordable) --- ## Related Posts [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news), [ The Administrator's Corner](https://blog.nisbenefits.com/topic/the-administrators-corner) [ Valerie Ortiz ](https://blog.nisbenefits.com/author/valerie-ortiz) 07 July, 2026 #### [New CMS Report: Healthcare Spending Trends Through 2034](https://blog.nisbenefits.com/healthcare-spending-trends-through-2034) New projections from the U.S. Centers for Medicare and Medicaid Services (CMS) Office of the… [Read More](https://blog.nisbenefits.com/healthcare-spending-trends-through-2034) [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news), [ The Administrator's Corner](https://blog.nisbenefits.com/topic/the-administrators-corner), [ Mental Health](https://blog.nisbenefits.com/topic/mental-health) [ Steve Smith ](https://blog.nisbenefits.com/author/steve-smith) 06 July, 2026 #### [New HHS Rule Expands Catastrophic Coverage Access](https://blog.nisbenefits.com/new-hhs-rule-expands-catastrophic-coverage-access) The U.S. Department of Health and Human Services’ (HHS) Notice of Benefit and Payment Parameters… [Read More](https://blog.nisbenefits.com/new-hhs-rule-expands-catastrophic-coverage-access) [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [ Mari Wagner ](https://blog.nisbenefits.com/author/mari-wagner) 25 June, 2026 #### [Federal Court Blocks Key ACA Exchange Restrictions](https://blog.nisbenefits.com/federal-court-blocks-key-aca-exchange-restrictions) A recent federal court ruling blocked stricter ACA Marketplace eligibility and enrollment… [Read More](https://blog.nisbenefits.com/federal-court-blocks-key-aca-exchange-restrictions)