HSA 4 All is a campaign pushing for federal legislation to open Health Savings Accounts to every American - not just those with high-deductible insurance plans.

WHAT IS AN HSA?
A Health Savings Account - or HSA - is a tax-advantaged savings account designed specifically for medical expenses. Money you put in isn't taxed. It grows tax-free. And when you spend it on qualified medical expenses, it comes out tax-free too. That's a triple tax advantage most savings tools can't touch.
You can use it for doctor visits, prescriptions, dental care, vision, and hundreds of other eligible expenses. And unlike a Flexible Spending Account (FSA), the money never expires - it rolls over year after year and stays yours.

SO WHAT'S THE PROBLEM?
Right now, federal law limits HSA eligibility to Americans enrolled in a High-Deductible Health Plan (HDHP). If your employer offers traditional coverage, if you're on Medicaid, or if you simply can't afford a high-deductible plan - you're locked out.
That means millions of Americans are denied access to one of the most powerful health savings tools available - not because of anything they did, but because of the type of insurance they have.
That's not fair. And it doesn't have to be this way.

WHAT WE'RE FIGHTING FOR
HSA 4 All is calling on Congress to:
- Open HSA eligibility to all Americans, regardless of the type of health insurance they carry.
- Tie the annual contribution limit to the federal out-of-pocket maximum - so the amount you can save keeps pace with what you might actually have to spend.

WHY IT MATTERS
Medical expenses are the leading cause of financial hardship for American families. HSAs are one of the few tools that let everyday people save and plan ahead — tax-free. Expanding access isn't a partisan issue. It's a common-sense step toward giving every American the ability to take control of their healthcare finances.

FAQ
Who can currently open an HSA?
Only people enrolled in an IRS-qualifying High-Deductible Health Plan (HDHP).What would change under HSA 4 All?
Any American - regardless of their insurance type - could open and contribute to an HSA.Is this "free" government healthcare?
No. An HSA is a personal savings account. The government doesn't fund it - you do. HSA 4 All simply asks that the tax advantages available to some be available to all.Why tie the contribution limit to the out-of-pocket maximum?
It's logical: if you're allowed to spend that much out of pocket, you should be allowed to save that much tax-free. Currently the limits are mismatched.Is this a partisan issue?
It shouldn't be. HSAs are a market-based, individually owned savings tool - broadly supported across the political spectrum. We believe expanding access is something Americans on all sides can get behind.