Bills · HR 2745
IN COMMITTEE· 119TH CONGRESS
House BillHR 2745Taxation
Catch Up Act
INTRO APR 8· LAST ACTION APR 8
READING
2MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenVoters should care about this bill because it impacts how older married couples can save for healthcare costs in a tax-advantaged way. HSAs are popular tools for individuals and families to save money for medical expenses, especially as healthcare costs tend to rise with age.
If this bill becomes law, it simplifies and potentially increases the total amount that eligible older married couples can save in their HSA each year, giving them more financial flexibility for future health needs. If it doesn't pass, these couples might continue to face more complex rules or potentially lower combined savings limits for their catch-up contributions, making it harder to prepare for retirement healthcare expenses.
KEY PROVISIONS
4AI-extractedPROVISION 01
Allows both spouses (if both are 55+) under family high-deductible health plan coverage to include their individual "catch-up" contributions when determining the family's overall HSA contribution limit.
This provision ensures both older spouses can fully utilize their individual catch-up contribution opportunities under a family plan.
PROVISION 02
Mandates that the total combined contribution limit (including both catch-up amounts) for eligible married spouses be divided equally between them, unless they agree on a different division.
This provides flexibility for couples to manage their shared HSA contributions in a way that best suits their financial situation.
PROVISION 03
Clarifies that if only one spouse is age 55 or older, their "catch-up" contribution is treated individually and is not subject to division with the younger spouse.
This prevents the "catch-up" amount from being diluted or restricted when only one spouse qualifies for it.
PROVISION 04
Sets the effective date for these changes to apply to taxable years beginning after December 31, 2025.
This gives individuals and financial institutions a clear timeframe for when the new rules will take effect.
SPONSORSHIP
1 + 1
R· Florida
YRS IN OFFICE
7
BILLS LED
115
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 0 REP 1 IND 0
ACTION TIMELINE
2 EVENTSAPR 8
Introduced in House
APR 8
Referred to the House Committee on Ways and Means.
BILL INFO
TypeHouse Bill
NumberHR 2745
Congress119th
StatusIn Committee
IntroducedApr 8, 2025
Last actionApr 8, 2025
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED APR 8, 2025
House BillHR 2745Taxation
Catch Up Act
INTRODUCED APR 8, 2025· LAST ACTION APR 8, 2025
PASSAGE CHANCES
—%
READING
2 min
COSPONSORS
1
COMPLEXITY
Moderate
