Health Savings for Families Act of 2026
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.
The Health Savings for Families Act of 2026 proposes to change the Internal Revenue Code to allow married couples to contribute to a health savings account (HSA) even if one spouse has a health flexible spending account (FSA). Currently, having an FSA can disqualify a couple from contributing to an HSA, but this bill seeks to eliminate that barrier. This would potentially make it easier for families to save for medical expenses in a tax-advantaged way.
This bill would affect married couples who have one spouse with a health FSA and want to contribute to an HSA. By allowing both accounts, it could provide more flexibility and potentially greater tax savings for these families. However, only those who meet the eligibility requirements for HSAs would benefit.
As of June 29, 2026, the bill has just been introduced in the House and referred to the House Committee on Ways and Means. This is the first step in the legislative process, so no further action has been taken yet. If passed, it could change current tax rules around HSAs and FSAs for married couples.
