Find Out If You Qualify
for an HSA in 2026
The One Big Beautiful Bill expanded HSA eligibility to millions of Americans with Bronze and Catastrophic ACA plans. Check your status in under a minute.
Check Your HSA Eligibility
Answer two questions to get your instant result.
Simple Process
How It Works
Select Your Plan Type
Choose your health insurance plan from the dropdown — Bronze, Catastrophic, Silver, employer-provided, or other. Not sure? We can help you find out.
Get Your Eligibility Result
Our checker applies 2026 IRS rules and the One Big Beautiful Bill to your plan type and returns an instant, plain-English result.
Open a Free HSA and Start Saving
If you qualify, we connect you to Lively — a free, FDIC-insured HSA provider. Contribute pre-tax dollars and reduce your taxable income immediately.
Common Questions
Frequently Asked Questions
The One Big Beautiful Bill, signed July 4, 2025, expanded HSA eligibility to Bronze and Catastrophic ACA marketplace plans starting January 1, 2026. Millions of Americans who were previously locked out can now open an HSA.
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From the HSA Resource Center
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This site is for informational purposes only. Not financial or tax advice.