HSA-Eligible

Is Fertility Treatment HSA-Eligible? (2026)

IVF, IUI, fertility medications, and related treatments are HSA-eligible.

Typical Cost

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

Details

Fertility treatments are some of the most expensive medical costs people face — and they're fully HSA-eligible. IVF (in vitro fertilization), IUI (intrauterine insemination), fertility drugs (Clomid, Letrozole, injectable gonadotropins), egg retrieval, embryo transfer, sperm analysis, and fertility testing all qualify. One IVF cycle can run $15,000–$25,000, making your HSA a critical financial tool here.

Frequently Asked Questions

Is IVF HSA-eligible?

Yes. All IVF costs — consultations, medications, retrieval, transfer, monitoring — are HSA-eligible.

Is IUI HSA-eligible?

Yes. IUI procedures and associated monitoring and medications are eligible.

Are fertility medications HSA-eligible?

Yes. Prescription fertility drugs like Clomid, Letrozole, and injectables are qualified expenses.

Is donor sperm or donor eggs HSA-eligible?

The IRS hasn't explicitly addressed this. Some HSA administrators allow it, others don't. Keep receipts and consult a tax advisor.

Related HSA Expenses

Pregnancy Care

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

Egg Freezing

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

Prescription Medications

Varies widely — $5–$500+ per prescription

Blood Work & Lab Tests

$50–$500+ depending on tests

More HSA Resources

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

Track this expense in HSA Tracker

Snap a photo of your receipt and let AI categorize it. Never lose track of an HSA-eligible expense again.

Get Started Free