Let people use medical savings for health sharing ministries

Amends existing law to include health care sharing ministries as an eligible medical expense.

Introduced· 2026-02-26

Who's it for

Who's it for: Health care sharing ministries

What it means for you

5/10Mixed

Mixed: some good, some bad ·

Draft summary, still being checked against the official bill text. Read the source to confirm.

This bill would let you use your tax-free medical savings account to pay for a health care sharing ministry instead of regular insurance.

Our take

What we think, in plain words.

Health care sharing ministries are groups where people chip in to pay each other's medical bills. They are not real insurance, so they do not have to cover things like past illnesses or guarantee they will pay your claims. This bill gives people more choices on how to spend their own tax-free medical savings. But it also encourages people to buy plans that might not protect them if they get really sick.

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The facts

What the bill actually says, no spin.

Lets you use Medical Savings Account money to pay for health care sharing ministries.
Gives people a tax break for joining these sharing groups.
These groups do not have the same strict rules or guarantees as regular health insurance.