Health Savings and Affordability for Fertility Act

This bill lets people use money in their health savings accounts (HSAs) to pay for many common fertility treatments. It clearly lists what counts as a medical expense for HSAs, including storing eggs, sperm, or embryos; several types of artificial insemination; assisted reproductive technology like IVF when clinically appropriate; fertility medications; and costs tied to donating eggs or sperm, including reimbursing a donor and medical costs to get those materials.

It takes effect for costs paid after the law is enacted. It also says nothing here should be read to change how earlier costs were treated, or to stop other fertility-related expenses (not listed) from still being treated as medical expenses for HSAs going forward.

Key points:

• Who is affected: People who use HSAs and are paying for fertility care, as well as those involved in egg or sperm donation.
• What changes: The law spells out that these fertility services and related costs are HSA-eligible medical expenses.
• When: Applies to amounts paid after the law takes effect; it doesn’t change past treatment and doesn’t block other fertility costs from qualifying in the future.