HR 1339, the Safeguarding Social Security and Medicare Act, requires the Comptroller General to conduct a study within one year of enactment on how inflation and rising living costs impact Social Security and Medicare benefits. The study will examine these effects and provide Congress with specific recommendations for legislative actions to maintain full benefits for these programs. This study directly addresses the needs of 71.7 million Social Security recipients and 66.6 million Medicare beneficiaries, focusing on financial pressures faced by seniors and disabled individuals. The bill itself does not change current benefits but aims to inform future policy decisions through evidence-based analysis.
HR 3007, the Medicare Protection Act of 2025, changes how Medicare premiums are calculated for some seniors. It excludes income from selling a primary residence (as defined by tax law) from the income used to determine Medicare's Income-Related Monthly Adjustment Amount (IRMAA) starting in 2025. This specifically affects seniors who sell their homes and would otherwise see higher Medicare premiums based on that sale's proceeds, but only if they haven't previously excluded a home sale under this rule. The bill directly modifies the existing Medicare calculation formula to remove this specific income source.
This bill expands Medicare coverage for mental health services provided by clinical social workers to seniors in skilled nursing facilities. It removes an exclusion that previously prevented these services from being covered under Medicare's skilled nursing facility payment system. The bill specifically adds defined mental health service codes (including those for assessment and treatment) to Medicare's coverage, ensuring seniors can access these services without additional barriers. These changes will take effect for services provided on or after January 1, 2026.
This bill allows seniors to use tax-free health savings account (HSA) funds for qualified home care services. It defines "qualified home care" as contracts providing three or more specific personal care services (like assistance with bathing, dressing, or medication) from state-licensed providers. The policy change directly affects seniors needing home care who use HSAs, excluding family-provided care and requiring state licensing compliance. A public awareness campaign will also inform seniors about eligible services.
This bill would change how Social Security cost-of-living adjustments are calculated by creating a new Consumer Price Index for Elderly Consumers (CPI-E) that tracks spending patterns specific to seniors aged 62 and older. It would also modify tax calculations for high earners by applying declining percentages of income above the Social Security tax cap (from 86% in 2026 down to 0% after 2031) for both wages and self-employment income. Additionally, the bill would adjust benefit calculations to include "surplus earnings" above the tax cap for individuals with high lifetime earnings. These changes would primarily affect Social Security beneficiaries and high-earning workers, particularly those becoming eligible for benefits after 2025.
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Seniors
HR 6210, the Senior Savings Protection Act, extends mandatory annual funding for key senior assistance programs through fiscal year 2030. It allocates $15 million each year for State Health Insurance Assistance Programs, $15 million for Area Agencies on Aging, $5 million for Aging and Disability Resource Centers, and $15 million for outreach coordination efforts. These funds directly support low-income seniors by expanding access to counseling, benefits enrollment help, and program information through state and local agencies. The bill makes no new eligibility rules but ensures sustained financial support for existing services that help seniors navigate healthcare and social programs.
This bill allows seniors over 65 who only have Medicare Part A hospital insurance (and no other Medicare coverage) to contribute to Health Savings Accounts (HSAs). Currently, Medicare beneficiaries cannot contribute to HSAs, but this bill removes that restriction for seniors enrolled solely in Part A. The change amends the tax code to exclude these individuals from the existing HSA contribution ban during periods they have only Part A coverage. The provision takes effect for tax years beginning after December 31, 2024.
HR 7610 creates a new $2,000 annual tax credit for adult children who provide care to elderly relatives living in the same household. To qualify, the caregiver must be 18+ (or 16+ emancipated), live with the relative for at least 6 months, and provide 10+ hours weekly of assistance with daily living tasks (like meal prep, managing money, or mobility). The elderly relative must be 55+, unable to perform key activities independently (such as bathing or shopping), and require care for at least 180 days. The credit phases out for single filers earning over $75,000 (or $150,000 for joint filers) and applies only to tax years beginning after December 31, 2026.
This bill, S 36 (Protect Our Seniors Act), adds procedural rules to prevent the Senate from considering bills that would reduce Medicare (Title XVIII) or Social Security (Title II) benefits. It creates a "point of order" that would block such legislation unless waived by a two-thirds vote of the Senate. A separate provision also blocks bills using Medicare program cuts to offset costs for other provisions, requiring the same two-thirds waiver. The bill directly affects how the Senate handles budget-related bills impacting senior benefit programs.
This bill extends and increases federal funding for programs supporting seniors, specifically targeting low-income older adults. It allocates $15 million annually (fiscal years 2026-2030) for State Health Insurance Assistance Programs and Area Agencies on Aging, $5 million for Aging and Disability Resource Centers, and $15 million for coordinating benefits outreach. These funds directly support existing services that help seniors navigate health insurance, access benefits, and receive assistance with program enrollment. The bill makes no changes to eligibility or program structure, solely adding specified funding levels to current federal programs.
