Conditionally Eligible

Is Egg Freezing HSA-Eligible? (2026)

Egg freezing is HSA-eligible when medically necessary, but elective freezing is a gray area.

Typical Cost

$6,000–$15,000 per cycle (plus $500–$1,000/year storage)

Details

If you're freezing eggs for medical reasons — like before chemotherapy, radiation, or for a condition that threatens fertility — it's clearly HSA-eligible. Elective egg freezing (for future family planning) is murkier. The IRS hasn't issued definitive guidance on elective fertility preservation. Some tax advisors say it qualifies since it's a medical procedure; others say no because there's no current medical condition. Keep detailed records and consult your tax advisor.

Requirements

Clearly eligible when medically necessary (before cancer treatment, etc.). Elective freezing is uncertain — consult a tax advisor.

Frequently Asked Questions

Is egg freezing HSA-eligible?

It depends. Medically necessary egg freezing (before chemo, for example) is eligible. Elective freezing is a gray area with no clear IRS guidance.

Are egg freezing storage fees HSA-eligible?

If the initial freezing qualified as a medical expense, ongoing storage fees should also be eligible. Keep your documentation.

Related HSA Expenses

Fertility Treatment

$300–$5,000 (IUI); $15,000–$25,000 (IVF per cycle)

Pregnancy Care

$2,000–$11,000+ (total out-of-pocket for delivery)

Specialist Visits

$50–$500 per visit

More HSA Resources

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