Legislative Tracker - Grid

Protecting Free Vaccines Act

This bill requires Medicare, Medicaid, the Children's Health Insurance Program (CHIP), and private health insurers to cover, without cost-sharing, vaccines that were recommended by the Centers for Disease Control and Prevention's Advisory Committee on Immunization Practices as of October 25, 2024. The requirement ends on January 1, 2030.

Retirement Fairness for Charities and Educational Institutions Act of 2025

This bill allows 403(b) retirement plans (i.e., retirement plans designed for certain employees of public schools, charities, and churches) to invest in collective investment trusts, which are a group of pooled investment assets held by a bank or trust company, and in insurance company separate accounts.

HSA Modernization Act

This bill increases health savings account (HSA) contribution limits, expands HSA eligibility, and makes other changes to HSAs and high-deductible health plans (HDHP).

The bill increases HSA contribution limits to equal the limits on out-of-pocket expenses under an HDHP (adjusted annually). Under the bill, the maximum annual HSA contribution for 2025 is $8,300 for self-only coverage and $16,600 for family coverage. (Under current law, the maximum annual HSA contribution for 2025 is $4,300 for self-only coverage and $8,550 for family coverage.)

The bill expands eligibility to make tax-deductible HSA contributions to include individuals who

• receive hospital care or medical services from the Department of Veterans Affairs and do not have a service-connected disability,
• receive hospital care or medical services provided by the Indian Health Service or a tribal organization,
• are at least 65 years old and enrolled in Medicare Part A, or
• have a bronze-level or catastrophic health insurance plan through a health insurance exchange.

The bill also allows eligible married individuals to make catch-up contributions to the same HSA.

Under the bill, HSA distributions may be used to pay for qualified medical expenses incurred before the HSA is established if the HSA is established within 60 days from the first day of coverage under an HDHP.

Further, the bill specifies that HSA distributions may be used to pay for expenses for qualified long-term care services.

Finally, the bill allows an HDHP to provide up to $500 of mental health benefits before the annual deductible is met.

Repair Abuses of MSP Payments (RAMP) Act

This bill restricts the private right of action against insurance plans that do not provide appropriate primary payment in cases in which Medicare is a secondary payer.

Current law allows for a private right of action against primary plans that do not provide appropriate primary payment in cases in which Medicare is a secondary payer; this provision applies to group health plans, workers' compensation plans, automobile or liability insurance plans, and no-fault insurance plans. The bill limits this provision to group health plans.