Simplify and Expand Health Savings Accounts Act

This bill would modernize Health Savings Accounts (HSAs) by adjusting contribution limits based on the actuarial value of health insurance plans (e.g., $7,200 for self-only coverage with plans at least 65% actuarial value), increasing limits for those 55+ by $1,000, and creating new rules for married couples. It would allow unused premium tax credits to be deposited directly into HSAs and create a one-time saver's credit for HSA contributions. The bill also expands the definition of qualified health plans to include more coverage options, provides new rules for employer contributions to HSAs, terminates certain other health care tax benefits, and gives HSAs bankruptcy protections similar to IRAs. These changes would primarily affect individuals with HSAs, employers offering HSAs, and health insurance providers.