HSA-Eligible

Is In Vitro Fertilization (IVF) HSA-Eligible? (2026)

IVF — egg retrieval, fertilization, embryo transfer, and related costs — is HSA-eligible.

Typical Cost

$15,000–$25,000 per fresh cycle; $3,000–$7,000 per frozen transfer

Details

All costs associated with IVF are qualified medical expenses. This includes ovarian stimulation medications, monitoring ultrasounds and blood work, egg retrieval procedure, fertilization (including ICSI), embryo culture, embryo transfer, anesthesia, and facility fees. Frozen embryo transfer cycles are also eligible. IVF is one of the most expensive medical procedures people face out of pocket — $15,000-$25,000 per cycle — making your HSA a critical resource.

Frequently Asked Questions

Is IVF HSA-eligible?

Yes. All IVF costs — medications, monitoring, retrieval, transfer, facility fees — are qualified medical expenses.

Is ICSI HSA-eligible?

Yes. Intracytoplasmic sperm injection (ICSI) as part of IVF is a qualified medical expense.

Are frozen embryo transfers HSA-eligible?

Yes. Frozen embryo storage fees and transfer cycles are eligible.

Related HSA Expenses

Fertility Treatment

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

Egg Freezing

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

Pregnancy Care

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

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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All Eligible Expenses

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