Infertility Treatment Affordability Act of 2025 | ChamberLight
Bills · HR 4639
IN COMMITTEE· 119TH CONGRESS
House BillHR 4639Taxation
Infertility Treatment Affordability Act of 2025
INTRO JUL 23· LAST ACTION JUL 23
READING
6MIN
COSPONSORS
4BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8
Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-written
Infertility treatments are often extremely expensive, frequently costing tens of thousands of dollars per cycle, and are rarely fully covered by health insurance. This significant financial barrier prevents many individuals and couples from pursuing their dream of starting or expanding a family.
If this bill becomes law, it would significantly reduce the out-of-pocket costs for these treatments, potentially making them accessible to many more Americans. This could mean thousands of dollars in savings for families. If it does not become law, the financial burden of infertility treatments will remain a major obstacle for countless individuals and couples, limiting access based on ability to pay rather than medical need.
KEY PROVISIONS
5AI-extracted
PROVISION 01
Establishes a new income tax credit for 50% of qualified infertility treatment expenses.
This directly reduces the financial burden on individuals and couples seeking fertility treatments.
PROVISION 02
Sets a maximum dollar limit and an income-based reduction for the credit amount.
These limits ensure the credit is targeted and fiscally responsible, preventing unlimited claims and phasing out for higher earners.
PROVISION 03
Makes up to $5,000 of the credit refundable, with adjustments for inflation.
This allows lower and middle-income taxpayers to benefit even if their tax liability is low, providing direct financial assistance.
PROVISION 04
Defines 'qualified infertility treatment expenses' to include fertility preservation before medical procedures that may cause infertility.
This broadens the scope of eligible expenses, assisting individuals who need to preserve fertility due to other medical conditions.
PROVISION 05
Prevents claiming the credit for expenses reimbursed by insurance or other federal/state programs, or expenses already used for other tax benefits.
This avoids 'double-dipping' and ensures the credit provides genuine relief for out-of-pocket costs.
Infertility treatments are often extremely expensive, frequently costing tens of thousands of dollars per cycle, and are rarely fully covered by health insurance. This significant financial barrier prevents many individuals and couples from pursuing their dream of starting or expanding a family.
If this bill becomes law, it would significantly reduce the out-of-pocket costs for these treatments, potentially making them accessible to many more Americans. This could mean thousands of dollars in savings for families. If it does not become law, the financial burden of infertility treatments will remain a major obstacle for countless individuals and couples, limiting access based on ability to pay rather than medical need.
KEY PROVISIONS
AI-extracted
high
Establishes a new income tax credit for 50% of qualified infertility treatment expenses.
This directly reduces the financial burden on individuals and couples seeking fertility treatments.
med
Sets a maximum dollar limit and an income-based reduction for the credit amount.
These limits ensure the credit is targeted and fiscally responsible, preventing unlimited claims and phasing out for higher earners.
high
Makes up to $5,000 of the credit refundable, with adjustments for inflation.
This allows lower and middle-income taxpayers to benefit even if their tax liability is low, providing direct financial assistance.
med
Defines 'qualified infertility treatment expenses' to include fertility preservation before medical procedures that may cause infertility.
This broadens the scope of eligible expenses, assisting individuals who need to preserve fertility due to other medical conditions.
med
Prevents claiming the credit for expenses reimbursed by insurance or other federal/state programs, or expenses already used for other tax benefits.
This avoids 'double-dipping' and ensures the credit provides genuine relief for out-of-pocket costs.
The amendments made by this bill apply to taxable years beginning after December 31, 2024.
After December 31, 2025
Inflation adjustments for the refundable portion of the credit begin for taxable years beginning after December 31, 2025.
GLOSSARY
AI-written
Income Tax Credit
A direct reduction in the amount of income tax owed by a taxpayer. Unlike a deduction, which lowers taxable income, a credit directly reduces the tax bill dollar-for-dollar.
Adjusted Gross Income (AGI)
A taxpayer's total gross income minus certain specific deductions allowed by law. It's used to determine eligibility for various tax benefits.
Infertility
The inability to conceive or to carry a pregnancy to live birth. This also includes infertility caused by medical treatments like chemotherapy or surgery.
Taxable Year
The annual accounting period for which income taxes are calculated, usually the calendar year (January 1 to December 31) for individuals.
Refundable Credit
A type of tax credit that can result in a refund to the taxpayer, even if the credit amount exceeds the tax owed. If you owe no tax, you still get the credit amount back.
Internal Revenue Code of 1986
The main body of federal tax law in the United States, which outlines all the rules and regulations concerning taxes.
ACTION TIMELINE
2 EVENTS
JUL 23, 25
Introduced in House
INTROREFERRAL
JUL 23, 25
Referred to the House Committee on Ways and Means.