Chronic Disease Flexible Coverage Act This bill provides statutory authority for guidance from the Internal Revenue Service (IRS) that expands the types of preventive care that may be offered under a high deductible health plan (HDHP) without requiring a deductible or with a deductible below the minimum threshold. Under current law, to be considered health savings account-eligible, an HDHP must have a deductible above a certain minimum threshold amount, which is adjusted annually. However, an HDHP may cover certain types of preventive care without requiring a deductible or with a deductible be
Summary by the Congressional Research Service, from the official record. Plain-language version below. Not legal advice.
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1Short title
This section would let the Act be officially called the "Chronic Disease Flexible Coverage Act."
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Official text, verbatim from the record
1. Short title
This Act may be cited as the Chronic Disease Flexible Coverage Act .
2Services and items for chronic conditions treated as preventive care
This section would give IRS Notice 2019-45 the same legal force as if Congress had written it directly into law. That notice identified additional preventive care services and items for chronic conditions that can be treated as preventive care under section 223(c)(2)(C) of the Internal Revenue Code of 1986, the provision that sets the rules for high deductible health plans connected to health savings accounts (HSAs). By codifying the notice, this section would let a high deductible health plan cover those listed chronic-condition services and items before a patient meets the plan's deductible, without the plan losing its status as a high deductible health plan or its ability to be paired with an HSA. The section also states that, except where it would conflict with this codification, nothing in it implies anything about other rules or guidance the Secretary has given or may give about what counts as preventive care under that same Code section.
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Official text, verbatim from the record
2. Services and items for chronic conditions treated as preventive care
(a) In general
The additional preventive care services and items for chronic conditions that may be treated as preventive care for purposes of section 223(c)(2)(C) of the Internal Revenue Code of 1986 as set forth in IRS Notice 2019–45 shall have the same force and effect as if included in the enactment of this Act.
(b) No inference
To the extent not inconsistent with this section, no inference shall be made from subsection (a) with respect to such other rules or guidance as the Secretary has provided, or may provide, with respect to preventive services for purposes of section 223(c)(2)(C) of such Code.
The on-site text is shown verbatim from the GovInfo publication, captured 2026-07-23. The same version at GovInfo.
The numbers
29%
of bills that passed one chamber became law in the 118th Congress, 2023 to 2024 (n=939)
3
sponsors, out of 218 needed to pass
Who is lobbying on this
AMERICAN BANKERS ASSOCIATIONvia SPANGLER STRATEGIES LLC
6 filings
AMERICAN BENEFITS COUNCILvia SPANGLER STRATEGIES LLC
6 filings
AMERICAN BENEFITS COUNCIL OBO ALLIANCE TO FIGHT FOR HEALTH CAREvia SPANGLER STRATEGIES LLC
6 filings
NATIONAL SMALL BUSINESS ASSOCIATIONvia NATIONAL SMALL BUSINESS ASSOCIATION
6 filings
WEX HEALTHvia THE MCMANUS GROUP
6 filings
AMERICAN BENEFITS COUNCIL OBO ALLIANCE TO FIGHT FOR HEALTH CAREvia ERNST & YOUNG LLP (WASHINGTON COUNCIL ERNST & YOUNG)
4 filings
HEALTHSPERIEN, LLC ON BEHALF OF SMARTER HEALTH CARE COALITIONvia SPANGLER STRATEGIES LLC
3 filings
CHAMBER OF COMMERCE OF THE U.S.A.via CHAMBER OF COMMERCE OF THE U.S.A.
2 filings
From 45 filings in federal lobbying disclosures (LDA), via lda.gov, naming this bill (2025 to 2026). Filings are self-reported by lobbying firms and show who is paid to influence this bill. They do not say which side, or whether it worked.
Every fact on this page links to its source, starting with the official bill record. Last action: Received in the Senate and Read twice and referred to the Committee on Finance. (2025-03-05).