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HR 5445 114th Congress House

Health Care Security Act of 2016

Official title: To amend the Internal Revenue Code of 1986 to improve the rules with respect to health savings accounts.

Introduced: June 10, 2016 See on congress.gov
Taxation Health care costs and insuranceHealth care coverage and accessIncome tax deductionsMarriage and family status
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This bill died when the 114th Congress ended
It never became law before the 114th Congress (2015–2016) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 7 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 17, 2016
Placed on the Union Calendar, Calendar No. 486.
Jun 17, 2016
Reported (Amended) by the Committee on Ways and Means. H. Rept. 114-627.
Jun 15, 2016
Ordered to be Reported (Amended) by the Yeas and Nays: 23 - 15.
Jun 15, 2016
Committee Consideration and Mark-up Session Held.
Jun 11, 2016
Referred to the Subcommittee on Health.
Jun 10, 2016
Referred to the House Committee on Ways and Means.
Jun 10, 2016
Introduced in House
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 Latest action June 17, 2016

Placed on the Union Calendar, Calendar No. 486.

 Plain-English summary Congressional Research Service

Health Care Security Act of 2016

This bill amends the Internal Revenue Code to modify the rules for health savings accounts (HSAs) with respect to catch-up contributions for married couples, medical expenses incurred before an HSA is established, and contribution limits.

(Sec. 2) If both spouses of a married couple have family coverage under a high deductible health plan, each spouse may make catch-up contributions to the same HSA. (Catch-up contributions are additional contributions which individuals who are at least 55 years of age may make to an HSA.)

(Sec. 3) If an HSA is established within 60 days of the beginning of coverage under a high deductible health plan, any distribution from the HSA used to pay a qualified medical expense incurred during that 60-day period after the health coverage began is excludible from gross income. (Under current law, the medical expense must be incurred on or after the date that the HSA is established.)

(Sec. 4) The bill increases the maximum contribution limits for HSAs to equal the maximum for the sum of the annual deductible and out-of-pocket expenses that may be required to be paid for covered benefits under a high deductible health plan.

 Related & companion bills 2
  • HR 1270 Related bill Restoring Access to Medication and Improving Health Savings Act of 2016
  • HR 1169 Related bill Health Savings Account Act
 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 5445: Health Care Security Act of 2016. 114th Congress. Open America. https://openamerica.io/bill/114-HR-5445/
MLA
"H.R. 5445: Health Care Security Act of 2016." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-HR-5445/.
Bluebook (legal)
H.R. 5445, 114th Cong. (2026), https://openamerica.io/bill/114-HR-5445/.
Markdown link
[H.R. 5445: Health Care Security Act of 2016](https://openamerica.io/bill/114-HR-5445/)
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