Final Consumer Account Changes in the One Big Beautiful Bill Act
The One Big Beautiful Bill Act (OBBBA) is now law. While many broad HSA expansions didn’t survive the Senate, a few meaningful wins did make it through. Elevate is ready to support these changes — and any future shifts — with no delays or engineering backlog.
(See our earlier post for a summary of what was originally proposed here.)
What Passed
Health Savings Account (HSA) Updates
- Permanent first-dollar telehealth
- HDHPs can permanently cover telehealth before the deductible without breaking HSA eligibility
- Restores pandemic-era relief for long-term consistency
- Bronze & Catastrophic plans now HSA-compatible
- ACA Bronze and Catastrophic plans automatically qualify as HDHPs
- Expands HSA eligibility for more exchange enrollees
- Direct Primary Care (DPC) integration
- DPC arrangements will no longer disqualify HSA contributions
- Monthly DPC fees can be paid with HSA funds (capped at $150/month for individuals, $300/month for families)
Dependent Care FSA Update
- The Dependent Care FSA annual limit will rise to $7,500 per household starting in 2026
- For married individuals filing separately, the limit will be $3,750
- First permanent increase since 1986 (aside from temporary COVID-19 relief)
What Didn’t Pass
- Higher HSA contribution limits
- Spousal catch-up contribution flexibility
- HRA/FSA-to-HSA rollover options
- Expanded qualified expenses (like gym memberships)
These provisions were dropped during Senate reconciliation and did not make it into the final law.
How Elevate Supports You
Elevate is fully prepared to adapt our platform for these changes, making sure administrators can support employers and participants without disruption. And no matter which policy provisions advance in the future, Elevate keeps your program compliant, fast, and competitive with the infrastructure already in place to handle updates on day one.
