The Health Savings for Families Act of 2026 modifies the tax rules governing Health Savings Accounts (HSAs) to allow one spouse to contribute to an HSA even if the other spouse is enrolled in a health flexible spending account (FSA). Currently, federal tax law generally prohibits HSA contributions when a spouse has an FSA, but this bill creates an exception as long as the FSA's reimbursements for the year stay within normal limits. The change affects married couples where one person wants to save money in an HSA for medical expenses while their spouse uses an FSA. The bill has no specified federal funding requirements since it adjusts tax eligibility rules. The amendment takes effect for plan years beginning after December 31, 2026.
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