The “Big Beautiful Bill” has officially been signed into law. And as the name might suggest, there’s a lot of legislation packed into this one bill. One of the major parts is the largest expansion of Health Savings Accounts (HSAs) in over 20 years! Here’s what you need to know about the Big Beautiful Bill impact in Nevada.
Expanding HSA Eligibility
With the passage of the Big Beautiful Bill comes access to Health Savings Accounts (HSAs) to millions more Americans. Starting in 2026, individuals enrolled in Bronze and Catastrophic Affordable Care Act (ACA) plans are eligible to open and contribute to an HSA. When talking about the Big Beautiful Bill impact in Nevada, the expansion of HSA eligibility is a “big” one!
Employers who offer Individual Coverage Health Reimbursement Accounts (ICHRAs) should update their employee communications to reflect this HSA compatibility before the changes take place, just to make sure you’re prepared.
Direct Primary Care (DPC) Expenses are HSA Eligible
HSA funds can only be used for very specific purposes. But with the Big Beautiful Bill, membership fees for Direct Primary Care (DPC) plans will now qualify as HSA-eligible expenses.
Of course, previously, being enrolled in a DPC automatically disqualified you from contributing to an HSA. But that’s no longer the case! Starting January 1, 2026, DCP plan participants can contribute to an HSA.
If you’re an employer who’s interested in offering a DPC plan, reach out to our sister company, Accresa, for more information.
Permanent Telehealth Safe Harbor Established
After the COVID-19 pandemic subsided, many health providers and insurance companies stopped supporting telehealth services, which was a major hinderance for people in rural areas and those with limited mobility. Luckily, one of the Big Beautiful Bill impacts in Nevada is the permanent establishment of telehealth safe harbors.
All HSA-compatible plans can permanently cover telehealth services before the deductible is met. This was previously just a temporary provision created for the pandemic, but it’s now permanently codified and even applies retroactively.
Employers who discontinued telehealth coverages might want to consider reinstating it. Those offering pre-deductible telehealth coverage will need to update plan documentation and participant communications.
Dependent Care FSA (DCFSA) Contribution Limit Increase
Another major Big Beautiful Bill impact in Nevada is an increase in Dependent Care FSA (DCFSA) contributions — which is the first cap increase in nearly 40 years!
Starting in 2026, single filers and married couples filing jointly may contribute up to $7,500 per year, while married individuals filling separately may contribute up to $3,750 each. Previously, the contribution limit was capped at $5,000 for single individuals and married couples filing jointly, and $2,500 for married couples filing separately.
It’s important for employers to amend their plans to reflect these new limits before they go live in 2026. Don’t forget to update payroll and election systems as well.
Big Beautiful Bill Impact in Nevada as an Employer
There are a lot of insurance-related changes in the Big Beautiful Bill, and it’s up to employers to prepare for 2026 plan updates. Coordinate with vendors and payroll systems to ensure smooth implementation, communicate all benefit changes clearly to your employees, and adjust all documentation and plan options accordingly.
There’s a lot of legislation packed in, but the Big Beautiful Bill impact in Nevada health insurance takes a positive step to expanding HSA eligibility and offering more affordable healthcare across the nation.
If you or someone you know needs assistance with health insurance, contact us at Health Benefits Associates. Our agents are highly experienced with the Nevada health insurance landscape and can walk you through your options to find the best plan to suit your unique needs. Call us today at 775-828-1216 to schedule an appointment.