The Tamesis
Top-ups made in 2026 will be credited in early 2027 and notified at the end of January 2026.
According to the Ministry of Health, more Singaporeans will be eligible to receive matching government retirement and medical savings grants in 2026 with the expansion of the Matched Retirement Savings Scheme (MRSS) and the launch of the Matched Medical Savings Scheme (MMSS).
By 2026, approximately 750,000 Singaporeans will be eligible for the expanded MRSS, while approximately 185,000 will be eligible for the new MMSS.
The ministry said about 165,000 members are eligible for both schemes and may receive matching grants of up to $3,000 for their cash top-ups this year.
Cash top-up matching grants issued under the MRSS reached a record $456 million in 2025, with more than 250,000 members, compared with $61 million in 2024, with 103,000 members.
The increase follows enhancements introduced in 2025, including removing the 70-year age cap and increasing the annual match limit to $2,000, with a lifetime cap of $20,000 for members.
Effective January 1, the MRSS has been extended to eligible Singaporeans with disabilities of all ages, allowing younger members to receive matching grants when they top up cash into their special accounts.
The $20,000 lifetime matching limit applies to top-ups of retirement or special accounts, the department said.
The MMSS will be a five-year pilot from 2026 to 2030, providing cash top-ups to the medical savings accounts of eligible Singaporeans aged 55 to 70 with low medical savings, with matching grants of up to US$1,000 per year.
Top-ups receiving matching grants will not be eligible for personal income tax relief, the Ministry of Health said.
Eligibility for both programs will be assessed automatically. According to the ministry, matching grants for 2026 top-ups will be credited in early 2027 and notifications will be sent to eligible members starting from the end of January 2026.
