How HSAs Cover Fertility Treatments and Family Building Expenses

Lucas and Luna dive into the often-overlooked role of Health Savings Accounts in covering fertility treatments, egg freezing, IVF, and other family-building medical expenses. With the average IVF cycle costing over $20,000 in 2026, understanding which costs are HSA-eligible can save families thousands. They break down IRS guidelines, recent clarifications on fertility preservation for medical reasons, and how employer-sponsored fertility benefits interact with HSA funds. Specific examples include in vitro fertilization (IVF), intrauterine insemination (IUI), fertility medications, genetic testing of embryos (PGT), and even travel expenses for treatment if medically necessary. They also touch on the tax implications of using HSA dollars for surrogacy and egg donation, where the rules differ. This episode helps listeners plan their family-building journey with maximum tax efficiency. #HealthSavingsAccounts #HSA #FertilityTreatments #IVF #IUI #EggFreezing #FamilyBuilding #MedicalExpenses #TaxAdvantaged #FertilityBenefits #PGT #Surrogacy #EggDonation #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #FertilityCosts Keep every episode free: buymeacoffee.com/fexingo