Infertility Treatment Affordability Act of 2025

This bill would help people afford infertility care by offering a federal income tax credit. You could claim 50% of qualified infertility treatment costs for the year. Part of the credit (up to $5,000) would be refundable, so you could get money back even if you owe little or no tax. That $5,000 cap would rise with inflation for tax years after 2025 .

• Who is eligible: People diagnosed with infertility by a U.S.-licensed doctor. It also covers fertility preservation (like before chemo or radiation) when a doctor says a medical treatment may cause infertility, even without an infertility diagnosis. Infertility includes the inability to conceive or carry a pregnancy, and includes infertility caused by medical treatments; it does not include procedures meant to cause infertility.
• What costs count: Treatments provided by licensed U.S. medical professionals. Fertility preservation before medical treatments that may cause infertility is included. Procedures designed to cause infertility are not covered.
• Limits: The credit has a yearly cap set by existing law and is reduced as income goes up, phasing out over a $40,000 income range. Up to $5,000 of the credit can be refundable, and that refundable amount is indexed for inflation after 2025. Unused nonrefundable amounts can be carried forward for up to 5 years .
• No double-dipping: You can’t claim the credit for amounts paid by insurance or by government programs, and you can’t also use the same expenses for other tax breaks.
• Filing rule: Married couples must file a joint return to claim the credit.