ABLE Accounts Open to More People with Disabilities on January 1
Starting on January 1, 2026, more people are eligible to open ABLE accounts.
Achieving a Better Life Experience (ABLE) accounts allow people with disabilities to save money for qualified expenses, like education, housing, transportation, and technology costs, without affecting eligibility for other benefits (like Medicaid or SSI).
Previously, a person had to be diagnosed with a disability by age 26 in order to open an ABLE account. Starting January 1, people who were diagnosed with a disability by age 46 can now open accounts.
ABLE accounts offer an important way for people with disabilities to save and invest money up to $100,000 without losing other benefits they need. (There are also limits to how much you can save
each year.) Interest earned on money in an ABLE account is tax free if it’s used for qualified expenses. You can choose who gets any money left in your ABLE account after you die.