Expansion of HSA Eligibility under OBBB Act to Improve Marketplace Coverage, Affordability, and Access
Impact Score: 2.6
Timeline: Effective January 1, 2026
Summary: The expansion of Health Savings Account (HSA) eligibility under the One Big Beautiful Bill (OBBB) Act reclassifies Bronze and Catastrophic ACA Marketplace plans as qualifying High-Deductible Health Plans (HDHPs) starting January 1, 2026. This change allows millions more Americans to contribute to HSAs without changing plans, potentially increasing eligibility to nearly 10 million people. Vanderbilt University must address the complexity and financial impacts on its community, including potential adjustments in healthcare services, employee benefits, and educational efforts.
Key Actions: Analyze policy implications, provide financial literacy workshops, explore insurance partnerships, and conduct economic impact research.
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