The Trump administration just delivered another victory for working Americans tired of Washington red tape in healthcare. Starting January 1, 2026, the One Big Beautiful Bill Act (OBBB) will reclassify Bronze and Catastrophic Obamacare Marketplace plans as High-Deductible Health Plans (HDHPs), finally making them Health Savings Account (HSA) eligible.
Before OBBB, only a narrow set of plans counted as HSA-eligible, leaving millions without access to the tax-advantaged savings tool. In fact, just 2% of HealthCare.gov enrollees had HSA-eligible plans in 2025—a steep drop from 7% in 2020. But with the new classification, an estimated 7.3 million Americans—most of them in Bronze plans—will now be able to open HSAs without changing insurance.
That number is set to grow. Earlier this month, the Centers for Medicare & Medicaid Services (CMS) expanded eligibility for catastrophic plans, previously restricted to Americans under 30 or those with hardship exemptions. Now, millions more can enroll. CMS projects an additional 3 million sign-ups, bringing total new HSA eligibility to 10 million people.
HSAs are a cornerstone of consumer-driven healthcare. They empower individuals to save pre-tax dollars for medical expenses, reduce reliance on bloated insurance schemes, and put patients—not bureaucrats—in charge.
The OBBB reflects Trump’s commitment to expanding choice, lowering costs, and rewarding personal responsibility in healthcare. In short: more freedom, less government interference, and real savings for American families.
This reform is proof that conservative policy doesn’t just talk about empowerment—it delivers it.