Dual-earner families gain HSA access under new tax-savings rule
H.R. 9518 — Health Savings for Families Act of 2026 · Filed by Darin LaHood (R-IL) · Introduced Jun 29, 2026 · Referred to committee
Your members of Congress
Enter a ZIP to see where your representative and both senators stood on this bill.
Looked up on this device — your ZIP is never stored on our servers.
What it does
This bill allows individuals to contribute to a Health Savings Account (HSA) even if their spouse has a health flexible spending account (FSA), provided the spouse's FSA does not reimburse any of the individual's medical expenses. Currently, federal tax law treats a spouse's FSA as a disqualifying health plan that blocks the individual from HSA eligibility. The change takes effect for plan years beginning after December 31, 2026.
Why we flagged it
The bill expands access to HSAs—tax-advantaged retirement and medical savings accounts—by removing a spousal-FSA restriction. It is a straightforward technical amendment to the tax code that increases the availability of a consumer-friendly savings vehicle.
What the text implies
- Dual-earner households with one spouse in an FSA may now coordinate both accounts to maximize tax-free medical savings, potentially increasing the total amount of pre-tax dollars available for healthcare costs.
- The restriction to spouse's FSA reimbursements that do not cover the individual's expenses creates a compliance burden—families must track and segregate FSA reimbursements by person to maintain HSA eligibility.
The full analysis lists 3 implications of this text.
Who stands to gain
individuals and families with dual health insurance coverage; HSA custodians and financial institutions offering HSA products