Tax credit makes infertility treatment more affordable for middle-income families
H.R. 4639 — Infertility Treatment Affordability Act of 2025 · Filed by Mike Carey (R-OH) · 4 cosponsors · Introduced Jul 23, 2025 · Referred to committee
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What it does
This bill creates a federal tax credit allowing individuals and couples to claim 50% of their infertility treatment costs (up to $5,000 per year, adjusted for inflation) against their income taxes. The credit phases out for higher earners, excludes expenses already covered by insurance or government programs, and can be carried forward for up to 5 years if unused. It covers medical treatments for diagnosed infertility and fertility preservation procedures before cancer treatment or other medical procedures that may cause infertility.
Why we flagged it
The bill's core function is to reduce the financial burden of infertility treatment for individuals and couples through a direct tax credit. It is a straightforward healthcare affordability measure with no hidden mechanisms or narrow carve-outs.
What the text implies
- The $5,000 refundable portion may create significant administrative burden for the IRS in processing and verifying qualified medical expenses, potentially delaying refunds.
- The credit's income phase-out (beginning at the section 23 threshold, typically ~$400k for married filers) means high-income couples pursuing fertility treatment receive no benefit, potentially widening access disparities.
The full analysis lists 4 implications of this text.
Who stands to gain
fertility clinics and reproductive endocrinology practices; pharmaceutical companies producing fertility medications; medical device manufacturers (egg retrieval, embryo transfer equipment)