Expansion of HSA Eligibility Under OBBB Act to Improve Marketplace Coverage, Affordability, and Access
Executive Summary Prior to the One Big Beautiful Bill Act (OBBB), only some High-Deductible Health Plans (HDHPs) were considered Health Savings Account (HSA) eligible. Catastrophic health plans were not defined as HDHPs and were therefore, not HSA eligible. In 2025 only 2% of HealthCare.gov Marketplace enrollees selected HSA‑eligible plans—a sharp decline from 7% in 2020