Unlock triple tax savings with a Health Savings Account (HSA)

Pair your Bronze plan with an HSA for unbeatable tax savings.

Page last updated on: 1/08/26

Great news for 2026

Thanks to the “One Big Beautiful Bill” act, all Bronze plans offered through the Marketplace in 2026 are HSA-eligible, regardless of plan name and design details. That means you can pair affordable premiums with the triple tax benefits of a Health Savings Account. 

Ready to maximize savings and flexibility? Here’s what you need to know.

What is a high-deductible health plan?

A high-deductible health plan (HDHP) is a health plan with a higher annual deductible and lower monthly premiums. Traditionally, only HDHPs were HSA-eligible—but in 2026, every Bronze plan available through the Marketplace qualifies, even if it’s not labeled as HDHP.

What is an HSA?

A Health Savings Account (HSA) is a tax-advantaged account that helps you save for medical expenses while reducing your tax burden. When paired with an HSA-eligible plan, you get:

  • Pre‑tax contributions: Every dollar you contribute to your HSA is tax-deductible or taken out pre-tax through payroll. This lowers your taxable income, which means you keep more of your money.
  • Tax‑free growth: Your HSA balance earns interest, and if you choose to invest, it can grow through mutual funds or other options—all tax-free. Unlike regular savings accounts, you don’t pay taxes on earnings inside your HSA.
  • Tax‑free withdrawals: When you use your HSA funds for qualified medical expenses—like doctor visits, prescriptions, dental, and vision care—those withdrawals are completely tax-free.

Your HSA funds roll over yearly and stay with you—even if you change jobs or move across state lines.

2026 HSA contribution limits

  • Individual: up to $4,400
  • Family: up to $8,750
  • Age 55+ catch-up: additional $1,000

These amounts are set by the IRS and may change annually.

Benefits of an HSA-eligible plan

  • Lower premiums: Bronze plans offer the most affordable monthly cost
  • Maximized tax advantage: Pairing with an HSA means triple tax savings
    Example: If you contribute $4,400 and are in a 22% tax bracket, you save about $968 in taxes.
  • Smart long-term savings: Balances can accumulate and be invested for healthcare or retirement
  • Portability: Your HSA goes wherever you go—whether you move from Detroit to Phoenix or change jobs

Frequently asked questions

An HSA, or Health Savings Account, is a tax-advantaged account you can use to pay for qualified medical expenses.

Health Savings Accounts (HSAs) offer a triple tax advantage, which makes them one of the most powerful savings tools for health care and beyond:

1. Tax-deductible contributions

Money you put into your HSA is either pre-tax (if through payroll) or tax-deductible (if you contribute directly).

This lowers your taxable income for the year.

2. Tax-free growth

Any interest or investment earnings in your HSA grow tax-free.

Unlike regular savings accounts, you don’t pay taxes on dividends or capital gains inside the HSA.

3. Tax-free withdrawals

When you use HSA funds for qualified medical expenses, withdrawals are completely tax-free.

After age 65, you can use HSA funds for non-medical expenses (taxed like regular income), similar to an IRA.

You set up a Health Savings Account (HSA) with your bank or financial institution. The bank is responsible for tax reporting on your HSA and sends you statements showing deposits, withdrawals and balance.

If you have a MyPriority® health plan and need an HSA banking partner, we’ve got you covered. We partner with HealthEquity®, our trusted banking partner, to provide free HSA administration and easy account management. They will reach out if you qualify.

Normally, you need a high-deductible health plan (HDHP), no other disqualifying coverage and you can’t be enrolled in Medicare. 

In 2026, all Marketplace Bronze plans are automatically HSA-eligible—even if they’re not labeled HDHP. 

To confirm, check your plan documents or contact your health plan. MyPriority® members will hear from HealthEquity,® our trusted banking partner, if they qualify.

HSAs help you save on taxes, cover medical expenses, and even build long-term savings for retirement. Funds roll over year to year and stay with you if you change jobs.

You can use HSA funds for qualified medical expenses tax-free. This includes:

  • Doctor visit copays
  • Prescriptions
  • Dental
  • Vision
  • Mental health
  • Qualifying over-the-counter items

See a complete list of qualifying medical expenses.

After age 65, you can use the funds for non-medical expenses, but those withdrawals are taxed like regular income.

You can only use HSA funds for some insurance premiums—COBRA, unemployment-related premiums, Medicare premiums (after 65) and long-term care insurance. 

Other insurance premiums, like Marketplace (ACA) or employer-sponsored plans, are not eligible and will trigger taxes and penalties if paid with HSA funds.

Yes. Many HSA providers allow you to invest your balance in mutual funds, ETFs, or other options once you reach a minimum threshold (often $1,000 or $2,000). This can help your savings grow tax-free over time. 

A high deductible health plan (HDHP) is a health insurance option with lower monthly premiums but a higher deductible, meaning you’ll pay more out-of-pocket before coverage begins.

In the past, only HDHPs qualified for a Health Savings Account (HSA), which lets you save money tax-free for medical expenses. Starting in 2026, every Bronze plan on the Marketplace is HSA-eligible—even if it’s not labeled as an HDHP.

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