Chronic Disease Flexible Coverage Act

This bill locks in existing IRS guidance so that some treatments and supplies for chronic conditions count as “preventive care” under high deductible health plans. That means these plans can cover certain items before you meet your deductible and still keep your Health Savings Account eligibility. In short, it makes it easier for people with ongoing conditions to get key medicines and tests covered sooner, without waiting to hit a high deductible.

Examples include insulin and other diabetes drugs, glucose monitors and A1c tests for diabetes; statins and beta‑blockers for heart disease; ACE inhibitors for heart failure, diabetes, or coronary artery disease; blood pressure monitors for hypertension; inhaled corticosteroids and peak flow meters for asthma; bone‑loss treatments for osteoporosis; depression medications (SSRIs); and certain lab tests like LDL and INR when medically appropriate. The bill gives these items the same status as if written directly into the law as preventive care for HSA‑qualified plans.

• Who is affected: People with high deductible health plans and HSAs who have chronic conditions like diabetes, heart disease, asthma, hypertension, osteoporosis, or depression.
• What changes: Plans can cover specific drugs, devices, and tests for these conditions before the deductible, while staying HSA‑eligible; the IRS list is formally written into law.
• Why it matters: Lower upfront costs for key treatments can help people manage chronic conditions and avoid complications.