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S 763119th CongressIn Committee
Telehealth Expansion Act of 2025
Introduced: Feb 27, 2025
Standard Summary
Comprehensive overview in 1-2 paragraphs
The Telehealth Expansion Act of 2025 would amend the Internal Revenue Code to permanently exempt telehealth and other remote-care services from the deductible requirements used to determine High Deductible Health Plan (HDHP) status. In practice, this means a health plan can offer telehealth services with no deductible and still be treated as an HDHP for Health Savings Account (HSA) eligibility. The bill also removes a temporary limitation tied to telehealth safe harbors and clarifies that this exemption applies going forward. The changes apply to plan years beginning after December 31, 2024 (i.e., starting with 2025 plan years).
Key Points
- 1Safe harbor: A plan will not fail to be treated as an HDHP if it does not have a deductible for telehealth and other remote care services.
- 2Scope: The safe harbor covers telehealth and other remote care services, ensuring those can have no deductible without jeopardizing HDHP status.
- 3Permanence: The bill removes a temporary provision that limited the safe harbor, making the exemption permanent.
- 4Effective date: Applies to plan years beginning after December 31, 2024 (structurally making the 2025 plan year the first affected year).
- 5No mandate to offer telehealth: The bill preserves the HDHP/HSA framework while allowing telehealth to be deductible-free without affecting HDHP qualification.
Impact Areas
Primary group/area affected: Individuals enrolled in HDHPs (and those with HSAs) who use or are considering telehealth services; Plan design and eligibility criteria for HDHPs.Secondary group/area affected: Employers, health plans, and telehealth/remote-care providers who design or offer HDHP-compatible plans with telehealth options.Additional impacts: Potential changes in plan costs and utilization patterns of telehealth; could influence out-of-pocket spending for enrollees and overall demand for remote care. The change is a revenue-code/Tax Code adjustment, so fiscal impact would depend on broader insurance market responses.
Generated by gpt-5-nano on Nov 18, 2025