HSA Expansion Becomes Law
- outreach0686
- Jul 14
- 4 min read
HSA Expansion Becomes Law – A Win for Patients, But the Fight Reveals What’s Broken
Dear CCC Health Family,
We hope this newsletter finds you well. We are grateful for your continued support and prayers as we pursue our shared mission: to restore healthcare with trust, transparency, and a renewed commitment to the doctor-patient relationship.
At CCC Health, we don’t just practice medicine; we advocate for transformation. That’s why Dr. Chaminie Wheeler traveled to Washington, D.C. in June to join the GOP House Call on the Mall (Docs Day), where she stood alongside fellow physicians to bring a patient-first voice directly to the steps of our nation’s Capitol.
Her trip was part of a broader movement to push for meaningful healthcare reform to
prioritizes relationships over red tape and empowers patients to make their own healthcare choices. Thank you to each of you for your prayers. We felt them every step of the way —> truly, mountains were moved in D.C.
“For truly I tell you, if you have faith as small as a mustard seed, you can say to this mountain, ‘Move from here to there,’ and it will move. Nothing will be impossible for you.”
- Matthew 17:20
🏛 A Roller Coaster in Congress - The Path to HSA Expansion Becoming Law
One of the key policy priorities was the expansion of Health Savings Accounts (HSAs) - a
provision that empowers Americans to save pre-tax dollars for healthcare expenses, including Direct Primary Care (DPC) memberships, gym programs, and wellness-based services.
📅 June 3, 2025
The House of Representatives passed the One Big Beautiful Bill Act (OBBB) by a vote of 226–206. The bill included significant Health Savings Account (HSA) reforms:
Doubling HSA contribution limits to $10,000 for individuals / $20,000 for families
Allowing Medicare and FSA participants to contribute
Covering Direct Primary Care (DPC) memberships, gym fees, and wellness-related
expenses
Permitting rollovers from FSAs and HRAs into HSAs
📅 June 16, 2025
The Senate Finance Committee removed the HSA provisions from the bill, citing a $44 billion projected decrease in federal tax revenue OVER 10 years, according to the Congressional Budget Office (CBO).
⚠ Notably, the CBO did not account for the estimated $67 billion in ANNUAL savings
projected from earlier access to care through DPC and wellness-based models (Health Rosetta Report, 2023).
📅 June 27, 2025
Following intense grassroots advocacy from physicians, patients, and small business leaders, the Senate reinstated the HSA expansion provisions, and the full Senate passed the bill in a 50–50 vote.
🗳 Senator J.D. Vance cast the tie-breaking vote as President of the Senate.
📅 July 2, 2025
When the revised bill returned to the House, it faced renewed opposition. This time from
within the Republican party.
About 20 members of the House Freedom Caucus withheld support, citing:
The bill’s overall projected addition of $651 billion to the federal deficit over 10 years (see reference below)
The repeal of clean energy tax credits
What they viewed as insufficient spending cuts, including to Medicaid
💡 This was a rare moment where fiscal conservatives opposed a major bill not because of spending increases, but because of revenue loss through tax relief highlighting a deep
philosophical divide within Congress.
After intensive negotiations involving President Trump, Speaker Mike Johnson, and
physician leaders, the bill narrowly passed the House by a vote of 218–214.
📅 July 4, 2025
President Trump signed the OBBB into law, marking a historic win for patient-centered
healthcare, expanded HSA access, and the broader movement to restore the doctor-patient relationship.
💡 Why This Matters to You
Now that the law is in place, you - our patients - benefit directly:
Higher HSA contribution limits allow you to save more pre-tax for real care
Medicare participants can now contribute to HSAs
DPC memberships and wellness services are eligible expenses
Flexibility and control are returning to your hands and not insurers’
This is a victory not just for policy but for common sense, affordability, and patient choice.
It’s the kind of change we fight for every day at CCC Health.
💬 Our Commitment: Healthcare That Honors You
At CCC Health, we’re committed to transforming medicine by keeping care personal and not bureaucratic. We will always stand for your right to choose how and where you get care.
Our time in Washington made one thing clear: money and votes shape policy. While we may not have the money, we do have our voices, values, and community —> that’s powerful.
We’re now working on launching a patient-physician movement to restore healthcare around the doctor-patient relationship. This is just the beginning and more to come soon.
With prayer, persistence, and purpose, we believe we can “Restore the Physician-Patient
Covenant of TRUST.”
📣 Watch for our August Newsletter for a clear breakdown of the new HSA changes and what the OBBB means for your healthcare.
With deep gratitude and unwavering hope,
Dr. Greg & Dr. Chaminie Wheeler
📚 References
1. Health Rosetta, “The Rosetta Revolution” (2023): Link
2. Heritage Foundation, “Direct Primary Care: An Affordable Alternative” (2023)
3. Congressional Budget Office (CBO), Cost Estimate on HSA Provisions (2024)
4. Senate Finance Committee, Removal and Reinstatement of HSA Expansion (June
2025)
5. Freedom Caucus Opposition, House Freedom Caucus warns they will not back Senate’s ‘big beautiful bill’: ‘Not what we agreed to’