Workers can take money from retirement accounts for baby-making treatment

What it does

The bill lets people withdraw up to $20,000 per year from retirement accounts. These accounts include 401(k)s and IRAs. The money pays for baby-making treatments like IVF, egg freezing, and drugs. People would not pay the usual 10% penalty for early withdrawal. The money must be used within one year.

Who it affects

People who want baby-making treatment but cannot afford it would benefit. Clinics, drug makers, and testing labs would also be affected.

One thing to notice

The bill does not say how the money must be paid back. The bill does not explain how this works with health plans that cover baby-making care.

From the analysis of the bill text, linked under Primary records below.

Where it stands

1 cosponsor: 1 Republicans.

• Jul 16, 2026 — Introduced · Congress.gov: “Introduced in House”
• Jul 16, 2026 — Referred to House Committee on Ways and Means · Congress.gov: “Referred to the House Committee on Ways and Means”

Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.

Words to know

• retirement accounts — Money set aside for when a person stops working, like a 401(k) or IRA.
• IVF — In vitro fertilization; a medical process where an egg and sperm join in a lab.
• egg freezing — A medical process to save a woman's eggs for later use.