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S 311119th CongressIntroduced

ACE Act

Introduced: Oct 29, 2025
Standard Summary
Comprehensive overview in 1-2 paragraphs

The ACE Act (Achieving Choice in Education Act) expands 529 plan usage for K-12 education expenses, increases gift tax exclusions, and restricts tax-exempt bond benefits to states with school choice programs.

Key Points

  • 1Allows 529 plan distributions for K-12 tuition and educational expenses
  • 2Increases annual 529 distribution limit from $10,000 to $20,000
  • 3Provides gift tax exclusion up to $20,000 for 529 plan contributions
  • 4Restricts tax-exempt bond eligibility to states with school choice laws
  • 5Defines school choice programs including vouchers and education savings accounts
  • 6Establishes minimum thresholds for state school choice program coverage

Impact Areas

K-12 education funding529 college savings plansPrivate and religious schoolsHomeschooling familiesState education policyMunicipal bond markets
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