HSAs for Fertility Treatments and Family Building Expenses

Episode 15 of Health Savings Accounts with Fexingo tackles a high-cost, often-overlooked use of HSA funds: fertility treatments and family-building expenses. With the average IVF cycle in the U.S. costing around $15,000 to $25,000, knowing which expenses are HSA-eligible can save families thousands. Lucas and Luna break down the IRS guidelines for fertility medications, diagnostic tests, egg freezing, surrogacy-related costs, and even genetic testing. They highlight a 2023 IRS clarification that expanded coverage for donor egg and sperm storage fees. The episode also addresses common pitfalls, like using HSA funds for travel related to fertility care (not eligible) and the importance of keeping detailed receipts. A practical guide for anyone navigating family planning with a high-deductible health plan. #HSA #HealthSavingsAccount #FertilityTreatments #IVF #FamilyBuilding #MedicalExpenses #TaxAdvantage #IRS #EggFreezing #Surrogacy #GeneticTesting #HighDeductibleHealthPlan #PersonalFinance #HealthcareCosts #FexingoBusiness #BusinessPodcast #Finance #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo