Patient Fairness Act of 2025

This bill makes Health Savings Accounts (HSAs) easier to use and more generous. It lets anyone put money into an HSA, not just those with certain insurance plans, and removes limits on using HSA funds to buy health coverage. It also writes existing hospital price transparency rules into federal law, so hospitals must keep posting their prices in a clear way for patients to see.

Key points

• Who is affected: Individuals, families with dependents, and people age 55 or older; patients who want clear hospital prices .
• What changes:
  • Higher HSA limits: up to $8,000 for one person and $16,000 for a couple filing jointly, plus $3,000 more for each dependent (doubled on a joint return).
  • Extra “catch-up” amount: people 55+ can add $3,000 more ($6,000 if both spouses are 55+).
  • You can use HSA money to buy health coverage, with prior restrictions removed.
  • If an HSA owner dies, a relative who inherits the account can move the money into their own HSA within 60 days without tax on that transfer.
  • Hospital price transparency rules are made part of federal law and continue in full force.
• When: Most HSA changes start with tax years beginning after December 31, 2025 (the 2026 tax year).