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New Health Savings Account Rules Coming in 2026: What El Paso Residents Need to Know

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The One Big Beautiful Bill Act introduces significant changes to Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) starting in 2026. More Affordable Care Act marketplace plans will become HSA-eligible, potentially increasing eligible individuals by 10 million. Additionally, direct primary care membership fees will qualify as medical expenses under HSAs, and the annual limit for dependent care FSAs will rise to $7,500. These updates aim to alleviate out-of-pocket healthcare costs for El Paso residents and provide more options for managing medical expenses. It's essential for residents to familiarize themselves with these changes to maximize their healthcare savings.

Key Details: • Starting January 1, 2026, direct primary care memberships can be paid for with HSAs. • Dependent care FSA limits increase to $7,500 per household in 2026. • HSA contribution limits will rise to $4,400 for self-only coverage and $8,750 for family coverage in 2026. • Telehealth services can be covered by high-deductible health plans before meeting the deductible, effective from plans starting January 1, 2025.

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