Some of the measures are effective immediately, while others don’t kick in for several years – notably, after the 2026 midterm elections.

Baron noted that "generally, people who are most able to benefit from HSAs are the people that have the financial means to be able to set aside several thousand dollars at the beginning of the year to help pay for their services. So, it tends to benefit the more well-off folks."

The “One Big Beautiful Bill Act” represents a sweeping overhaul of U.S. energy policy, aimed at reshaping the federal