Congress lets workers raid retirement to pay for fertility treatment
H.R. 9753 — Fertility Cost Relief Act · Filed by Mike Levin (D-CA) · 1 cosponsor · Introduced Jul 16, 2026 · Referred to committee
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What it does
This bill allows people to withdraw up to $20,000 per year from retirement accounts (401(k)s, IRAs, etc.) without the usual 10% early-withdrawal penalty, as long as the money is used for fertility treatments like IVF, egg freezing, or fertility medications within one year. The $20,000 limit is adjusted annually for inflation and applies to a lifetime aggregate of $20,000 total per person.
Why we flagged it
The bill's core function is to reduce financial barriers to fertility treatment by allowing penalty-free early retirement withdrawals for a specific medical purpose. It is a targeted healthcare-access measure, not a tax cut or subsidy to industry.
What the text implies
- Individuals with lower retirement savings may still be unable to afford fertility treatment even with penalty-free access, potentially widening access gaps between wealthy and lower-income households.
- The one-year spending window may create pressure on individuals to rush fertility decisions or treatment timelines to comply with the rule.
The full analysis lists 4 implications of this text.
Who stands to gain
fertility clinics and reproductive medicine providers; pharmaceutical companies (fertility medications); genetic testing laboratories