Family & maternity
Is fertility treatments FSA eligible?
Yes — fertility treatments like IVF and IUI are FSA and HSA eligible.
IRS Publication 502 explicitly includes procedures to overcome an inability to have children — IVF cycles, IUI, fertility testing, and temporary storage of eggs or sperm as part of treatment. Costs routinely dwarf an FSA's annual limit, so the play is electing the maximum in a year you know treatment is coming.
How to pay for it
- Tap your FSA/HSA debit card at checkout — most pharmacies, optical shops, and many online retailers take it directly.
- Buying online? FSA-only stores pre-filter their catalog to qualified items, so nothing in your cart bounces at checkout.
- No card on hand? Pay out of pocket and file a claim with your administrator — just keep the itemized receipt (a photo is fine).
Does the same answer apply to an HSA?
Yes. FSAs and HSAs share the same qualified-medical-expense rules (IRS Publication 502), so eligibility is identical. The difference is the deadline: FSA money is forfeited at the end of the plan year, while HSA money never expires.
Last reviewed 2026-06-11. Based on IRS Publication 502 and published IRS guidance. Not tax or medical advice — your plan administrator has the final say.