H.R. 444 changes federal tax rules to allow Native Americans who receive healthcare through the Indian Health Service to also open and use Health Savings Accounts (HSAs), which are tax-advantaged savings accounts typically reserved for people with high-deductible health insurance plans. Currently, individuals receiving Indian Health Service benefits are considered to have health coverage, which makes them ineligible for HSAs, even though the service may not cover all their medical needs. This bill removes that barrier by clarifying that receiving Indian Health Service or tribal healthcare does not disqualify someone from opening an HSA. The change takes effect for tax years beginning after December 31, 2024, allowing Native Americans to save money tax-free for medical expenses while still accessing their Indian Health Service benefits.
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