Healthcare Freedom Act of 2025

The Healthcare Freedom Act of 2025 would rename health savings accounts as "health freedom accounts" and make them available to all individuals, removing the previous requirement of having a high-deductible health plan. It increases the annual contribution limit to $12,000 (or $24,000 for joint returns) and expands eligible expenses to include direct primary care and health care sharing ministries. Employers could contribute to these accounts for new hires starting five years after enactment, with a transition rule for existing accounts. The bill would directly affect individuals using these accounts and employers who choose to participate in the new system.