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This Issue of our AchievABLE Newsletter - February 2026 contains stories on the following:
ABLE Advocates Celebrate Historic Expansion as the ABLE Age Adjustment Act Takes Effect
Across the country, ABLE advocates welcomed 2026 with a sense of joy, pride and long‑awaited progress. As the clock struck midnight on January 1, the ABLE Age Adjustment Act went into effect, marking the most significant expansion of ABLE eligibility since the creation of ABLE accounts. For millions of individuals with disabilities and their families, this moment represents far more than a policy change. It is a doorway to financial empowerment, independence and long‑term security.
The ABLE Age Adjustment Act raises the age of disability onset for ABLE eligibility from before age 26 to before age 46, a transformative shift that dramatically broadens access. With this expansion, an estimated 14 million Americans now qualify to open an ABLE account. For the first time, adults who acquired disabilities later in life, including through chronic health conditions, genetic conditions, mental health disabilities or traumatic injury, can benefit from the tax‑advantaged savings, asset protections from public benefits programs and financial flexibility that ABLE accounts provide.
ABLE programs across the country are ready to welcome new account holders. Access the ABLE Age Adjustment Act Fact Sheet to learn more. As the year begins, the message from the ABLE community is clear; 2026 is a year of growth, inclusion and new opportunities.
Upcoming Events:
- ABLE Tax Time Tips Webinar: Happening on February 12, 2026, at 1pm ET It’s not too late to Confirm your spot today.
#ABLEtoSave 2026: Visit the ABLE National Resource Center’s #ABLEtoSave 2026 webpage for upcoming April events. Details will be posted soon—bookmark the page and check back for updates. The month-long campaign focuses on how ABLE accounts support daily needs, long-term goals and financial well-being for people with disabilities and their families. We welcome partners’ participation and support in sharing #ABLEtoSave resources and events with your networks. A partner press release will be available in mid-March 2026.
Webinars On-Demand. All our past webinars are available on our website Resources – ABLE National Resource Center at no cost. On the resources tab, click on the drop-down option of the resource library. You can filter by webinars to access a list of all previously recorded webinars available on demand. In case you missed last month’s webinar, “2026: The Year of New ABLE Opportunities,” the recording, transcript and presentation slides are now available.
Federal Policy and Guidance
Trump Account Election. The IRS requests comments by March 6, 2026, on the new Trump Account Election Form 4547 and new e-file Trump Account Election Form 8879-TA, which will be filed with an electronic tax return. Completion of the form authorizes the IRS, Treasury and their agents to create and maintain a Trump account for the eligible child listed on the form. The entire balance in the Trump account may be directly rolled over into the child’s ABLE account during the calendar year the child attains age 17. The rollover is not counted towards the child’s income and is not counted towards the ABLE annual contribution limit.
Advancing ABLE
U.S. Securities and Exchange Commission (SEC). The ABLE National Resource Center collaborated with the U.S. Securities and Exchange Commission to update the Investor Bulletin: An Introduction to ABLE Accounts, published on January 14, 2026. This revised bulletin explains the basics of ABLE accounts and their tax‑advantaged benefits and highlights a variety of additional investor resources available on Investor.gov. Included in the SEC’s update are a financial literacy investing quiz, guidance on how to open a brokerage account, access to free financial planning tools with calculators and estimators and educational content such as “Building Wealth Through Saving and Investing” – designed to help individuals strengthen their financial knowledge and planning skills.
The Internal Revenue Service (IRS) offers ABLE Tax Guidance. ABLE account owners may receive the following forms from their ABLE program which they can use if they file an income tax return.
1) Form 1099-QA, documenting distributions from ABLE accounts. An ABLE program issues this form to account owners to report all distributions made from your ABLE account.
2) Form 5498-QA, documenting ABLE account contribution information. An ABLE program issues this form to account owners annually to report contributions (including rollovers), Fair Market Value (FMV) of the account, opening of a new account, certification of a qualified account and the disability code. If you have any questions about the amounts on these forms, please contact your ABLE program administrator. For more information see Publication 907, Tax Highlights for Persons with Disabilities.
State Updates
Idaho ABLE: ABLE NRC is pleased to announce that Idaho launched its Idaho ABLE Savings Plan effective January 15, 2026. Visit Idaho – ABLE National Resource Center in our state plan comparison tool.
STABLE Accounts: Effective January 2026, eligible individuals who open a new STABLE account will receive a $25 grant to match their first contribution as a boost to help reach their financial goals.