Bill · S. 3362· Senate(119-S-3362)
Health Marketplace and Savings Accounts for All Act
- Introduced
- 12/4/2025
- Last activity
- 12/4/2025 — Read twice and referred to the Committee on Finance.
- Sponsored by
- Rand Paul
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill, titled the "Health Marketplace and Savings Accounts for All Act," seeks to amend the Internal Revenue Code of 1986 regarding Health Savings Accounts (HSAs). It proposes increasing the limits on how much can be contributed to these accounts and expands what qualifies as a medical expense to include wellness items like gym memberships and vitamins. The legislation also allows for HSA rollovers to children, parents, or grandparents. Additionally, it introduces the concept of "health marketplace pools" which would be treated as employers for the purpose of offering group health plans or insurance.
Yes· 3 of 8
Does this make health care easier to get in general?+5
The bill expands the definition of qualified medical expenses to include wellness items like gym memberships and vitamins.
Would middle-income households be better off under this?+5
The bill allows for higher tax-advantaged savings and expands the scope of usable medical expenses.
Does this cut taxes for middle-income families?+5
The bill increases the contribution limits for Health Savings Accounts, allowing more tax-advantaged savings.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Savings Capacity: The bill increases the limitations on contributions to health savings accounts (Section s 102).
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Expanded Use of Funds for Wellness: The bill allows HSAs to cover "qualified wellness expenses," which includes vitamins, dietary supplements, gym memberships, and wearable fitness trackers (Section 108).
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Expanded Coverage for Primary Care: Amounts paid for arrangements where an individual receives coverage restricted to primary care services in exchange for a fixed periodic fee are now covered (Section 104).
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Flexible Family Transfers: The bill allows for the rollover of an HSA to a child, parent, or grandparent of the account holder (Section 107).
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Financial Protections: Health savings accounts will be treated with the same bankruptcy protections as individual retirement accounts (Section 109).
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Simplified Medical Expense Timing: Certain medical expenses incurred in the year an account is established, or the year prior, can be treated as qualified even if they occurred before the account was set up (Section 105).
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Error Correction: The bill provides a way to correct administrative, clerical, or payroll contribution errors before the due date of a tax return (Section 106).
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New Health Insurance Options: Through the creation of "health marketplace pools," entities can act as employers to offer group health plans or insurance coverage to their members (Section 202).
Potential Negative Impacts for People
- No negative impacts or burdens are explicitly identified within the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Healthcare
- Improves Healthcare Access+5Increases Affordable Care Act Support+3Reduces Prescription Drug Costs+2
- Demographic And Interest Groups
- Good For Middle Class Households+5Good For Seniors+4
- Economy And Finance
- Reduces Middle Class Taxes+5
- Governance And Ideology
- Improves Privacy Rights+2
- Social Issues And Justice
- Improves Poverty Reduction+2
- 12/4/2025
- Read twice and referred to the Committee on Finance.
- Introduced in Senate
4 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.