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President Signs the One Big Beautiful Bill Act

(July 7, 2025) On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) was enacted. Several HSA provisions in the House version of the One Big Beautiful Bill Act (OBBBA) did not make it into the final version that was enacted on July 4, 2025. Three other provisions, however, did survive.    

• The OBBBA makes permanent a provision for high-deductible health plans (HDHPs) that allows them to provide telehealth and other remote services without imposing a deductible payment. This provision was implemented during the coronavirus pandemic and is effective retroactive to plan years beginning after December 31, 2024, thus allowing an uninterrupted use of such services.
• Bronze and catastrophic plans will be treated as eligible HDHPs, making those enrolled in such plans eligible for HSA contributions. This provision applies to months beginning after December 31, 2025, and may allow for broader healthcare coverage for some individuals and families.
• Direct primary care service arrangements will not be treated as a health plan for determining HSA eligibility. Such arrangements allow individuals and families to supplement their health maintenance services with direct access to primary care for certain services, bypassing the normal insurance billing process. Soon this can be done without ruining HSA eligibility. The monthly fee limit for individuals is $150 (indexed starting after 2026, and twice that amount for arrangements that cover more than one individual). This provision applies to months beginning after December 31, 2025