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Health Savings and Affordability for Fertility Act
To amend the Internal Revenue Code of 1986 to treat amounts paid for fertility treatments as medical expenses for purposes of health savings accounts, and for other purposes.
Summary
This bill amends the Internal Revenue Code to allow fertility treatments to be treated as qualified medical expenses for Health Savings Accounts (HSAs). The bill defines fertility treatments to include preservation of reproductive material, artificial insemination, assisted reproductive technology such as in vitro fertilization, fertility medications, and gamete donation costs and reimbursements. With this change, individuals with HSAs can use those funds to pay for a broader range of fertility-related expenses. The amendments apply to amounts paid or incurred after the date of enactment.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
Money behind the sponsor
Top reported contributors to Lauren Underwood’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- UNIVERSITY OF CHICAGO $33,465
- NORTHWESTERN UNIVERSITY $26,150
- BLUE SHIELD OF CALIFORNIA $18,100
- CORNERSTONE GOVERNMENT AFFAIRS $16,800
- CLIFFORD LAW OFFICES $13,200
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Lauren Underwood → · Outside spending →
Actions (2)
- Apr 30, 2025 Referred to the House Committee on Ways and Means. · house
- Apr 30, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
April 30, 2025
Ms. Underwood introduced the following bill; which was referred to the Committee on Ways and Means
A BILL
To amend the Internal Revenue Code of 1986 to treat amounts paid for fertility treatments as medical expenses for purposes of health savings accounts, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Health Savings and Affordability for Fertility Act” or the “HSA for Fertility Act”.
SEC. 2. FERTILITY TREATMENTS TREATED AS MEDICAL EXPENSES FOR PURPOSES OF HEALTH SAVINGS ACCOUNT.
(a) In General.—Section 223(d)(2) of the Internal Revenue Code of 1986 is amended—
(1) in subparagraph (A), by inserting “and fertility treatments” after “products”, and
(2) by adding at the end the following new subparagraph:
“(E) Fertility treatment.—For the purposes of this paragraph, the term ‘fertility treatment’ includes the following:
“(i) Preservation (including long-term storage) of human oocytes, sperm, or embryos for later reproductive use.
“(ii) Artificial insemination, including intravaginal insemination, intracervical insemination, and intrauterine insemination.
“(iii) Assisted reproductive technology, including in vitro fertilization and other treatments or procedures in which reproductive genetic material, such as oocytes, sperm, fertilized eggs, and embryos, are handled, when clinically appropriate.
“(iv) Medications prescribed as indicated for fertility.
“(v) Gamete donation, including reimbursement for an individual who agrees to provide such material to an eligible individual under a gamete donor agreement as well as medical expenses associated with procuring such material from the donor.”.
(b) Effective Date.—The amendments made by this section shall apply to amounts paid or incurred after the date of the enactment of this Act.
(c) No Inference.—Nothing contained in this section, or the amendments made thereby, shall be construed to—
(1) create any inference with respect to any amounts paid on or before such date, or
(2) limit the continued treatment after such date of any fertility-related expense not described in subsection (d)(2)(E) of section 223 of the Internal Revenue Code of 1986 (as added by this Act) as a medical expense for purposes of such section. <all>
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