The new law expands HSA-related rules, including treatment of bronze and catastrophic coverage beginning in 2026. Certain direct primary care arrangements also receive new treatment.

This does not mean everyone can contribute. Other coverage, Medicare enrollment, contribution limits, and eligibility timing still matter. A plan’s marketing name alone does not establish your personal eligibility.

Your next steps

• Ask your insurer about HSA compatibility.
• List other medical coverage.
• Review eligibility before making contributions.

General education, not individualized tax or legal advice. Illustrations use stated assumptions and do not promise a refund or tax saving.