The big changes to HSAs and what they mean for planning

Published Updated 5 Min Read

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Health savings accounts (HSAs) remain one of the most versatile tools in a client’s financial planning toolkit, allowing tax-free savings and investment growth for health care expenses. Yet for years, strict eligibility rules have kept many Americans from taking advantage of them. 

The One Big Beautiful Bill Act (OBBBA) changed that, opening the door to millions of new HSA-eligible individuals. While experts are applauding the expanded access, they caution that significant gaps remain.

Elijah Nicholson-Messmer
Former Data Reporter

Elijah returned to Financial Planning in 2025 after working as a summer intern with FP in 2023. He earned an undergraduate degree from Berea College in Berea, Kentucky, and a master's degree in data … Read full bio


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