从2026年1月1日开始,HSA将扩大到更多的低收入人群,但专家怀疑,由于时间紧迫,HSA将影响到2026年的覆盖范围。 Starting Jan 1, 2026, HSAs will expand to more low-income people, but experts doubt it will impact 2026 coverage due to timing.

2026年1月1日起,由共和党人提倡的保健储蓄账户(HSAs)取代到期的ACA溢价补贴,正在扩大包括青铜和灾难性计划在内的更多低收入注册者的资格。 Health savings accounts (HSAs), promoted by Republicans as an alternative to expiring ACA premium subsidies, are expanding eligibility to more low-income enrollees starting January 1, 2026, including those on bronze and catastrophic plans. 虽然HSA允许免税支出医疗费用,如眼镜和健康物品,如桑拿或婴儿贝士尼塔等,但不能用来支付保险费,这是一个重大限制。 While HSAs allow tax-free spending on medical expenses like eyeglasses and wellness items—such as saunas or baby bassinets—they cannot be used to pay insurance premiums, a major limitation. 包括民主党和保守派分析家在内的专家和立法者怀疑,随着计划和保险费的确定,这些变化能否及时实施,从而影响2026年的覆盖范围。 Experts and lawmakers, including Democrats and conservative analysts, doubt the changes can be implemented in time to affect 2026 coverage, as plans and premiums are already set. 批评者认为,HSA不会解决中低收入家庭的保险费上涨问题,而扩大补贴是更有效的解决办法。 Critics argue HSAs won’t address rising premiums for low- and middle-income families and that expanding subsidies is a more effective solution. 2026年的缴款限额仍然是个人4 400美元,家庭8 750美元。 The 2026 contribution limits remain at $4,400 for individuals and $8,750 for families.