Summary
Beginning
Jan. 1, 2026, individuals enrolled in individual-market bronze and
catastrophic health plans are now eligible to contribute to a health
savings account (HSA) because of a provision in the One Big Beautiful
Bill Act. At the same time, policymakers are debating the future of
health insurance affordability, including expiration of enhanced Patient
Protection and Affordable Care Act premium tax credits and the
implications for premiums and enrollment in the individual market.
Central to those conversations is the role of HSAs. With there seeming
to be a strong appetite for allowing flexibility around HSA-eligible
health plan designs at present, this Fast Fact
takes a brief glimpse of the impact on premiums of expanding
pre-deductible coverage to chronic disease management medications in HSA
health plans.