Bill · H.R. 3091· House(119-HR-3091)
Health Savings and Affordability for Fertility Act
- Introduced
- 4/30/2025
- Last activity
- 4/30/2025 — Referred to the House Committee on Ways and Means.
- Sponsored by
- Lauren Underwood
- Cosponsors
- - 2 - 0
- Introduced
- In Committee
What this bill would do
This bill is called the "Health Savings and Affordability for Fertility Act" or the "HSA for Fertility Act." It aims to change the Internal Revenue Code of 1986. The goal is to make sure payments for fertility treatments are treated as medical expenses for health savings accounts. These changes apply to costs paid or incurred after the bill becomes law.
Yes· 3 of 15
Would women be better off under this?+7
Directly benefits women by lowering the financial barrier to fertility preservation and treatment.
Would middle-income households be better off under this?+6
Significantly reduces the cost of expensive fertility treatments for middle-class families with HSAs.
Would LGBTQ people be better off under this?+6
Improves affordability of assisted reproductive technologies and insemination crucial for LGBTQ+ family building.
The opposite
Does this reduce what the federal government owes?-1
Expanding tax-advantaged HSA spending may slightly reduce federal tax revenue.
Who it would affect, and how
Potential Positive Impacts for People
-
Expanded HSA Use: Individuals can use health savings accounts to pay for fertility treatments, which are now defined as medical expenses under Section 2(a).
-
Coverage for Preservation: People can use these funds for the long-term storage and preservation of sperm, embryos, or human oocytes, as listed in Section 2(a)(2)(i).
-
Access to Insemination and ART: The bill allows HSA funds to cover artificial insemination and assisted reproductive technology, such as in vitro fertilization, per Section 2(a)(2)(ii) and (iii).
-
Medication and Donation Costs: People can use HSA funds for prescribed fertility medications and expenses related to gamete donation, including donor reimbursement, according to Section 2(a)(2)(iv) and (v).
Potential Negative Impacts for People
- No Retroactive Reimbursement: Section 2(c)(1) states that the bill does not create any inference for amounts paid on or before the date the Act is enacted, meaning people cannot claim previous expenses.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Women+7Good For L G B T Q Community+6Good For Middle Class Households+6Good For High Income Households+5Good For Middle Aged+5Good For Young Adults+5Good For High Net Worth Individuals+4Good For Men+4Good For Ultra High Net Worth Individuals+3Good For Billionaires+2
- Healthcare
- Improves Healthcare Access+5Reduces Prescription Drug Costs+2
- Social Issues And Justice
- Improves L G B T Q Rights+4Improves Gender Equality+3
- Economy And Finance
- Reduces Middle Class Taxes+2Reduces National Debt-1
- 9/4/2026
- 1 Cosponsor added.
- 8/31/2026
- 1 Cosponsor added.
- 4/30/2025
- Referred to the House Committee on Ways and Means.
- Introduced in House
Alexandria Ocasio-CortezDemocrat · New York
Nikema WilliamsDemocrat · Georgia