# 119-hr-3091: Health Savings and Affordability for Fertility Act

119-hr-3091, Health Savings and Affordability for Fertility Act, is a 119th Congress bill sponsored by Rep. Underwood, Lauren [D-IL-14] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-09-06).

- Canonical: https://policyrisk.com/legislation/119-hr-3091
- As of: 2026-09-06
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3091
- Congress: 119
- Title: Health Savings and Affordability for Fertility Act
- Status: introduced
- Introduced: 2025-04-30
- Sponsor: Rep. Underwood, Lauren [D-IL-14] (D-IL)
- Cosponsors: 2
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-09-06

## Summary

**Expands HSA-eligible medical expenses to include fertility treatments.** This bill would let health savings accounts (HSAs) reimburse a range of fertility services and related costs when paid or incurred after enactment. - Families and individuals: People with HSAs could use pre-tax HSA dollars to pay for in vitro fertilization (IVF), egg, sperm, or embryo preservation and storage, artificial insemination, and prescribed fertility medications. - Gamete donors: Would allow reimbursement of a donor's medical expenses when they provide gametes under a gamete donor agreement. - HSA account holders and plan administrators: Changes the Internal Revenue Code definition of medical expenses for HSAs so accounts and administrators would treat these fertility items as eligible for reimbursement for amounts paid after enactment.

## Cosponsors (2)

- Rep. Ocasio-Cortez, Alexandria [D-NY-14] (D-NY), 2026-08-31T00:00:00.000Z
- Rep. Williams, Nikema [D-GA-5] (D-GA), 2026-09-04T00:00:00.000Z

## Provisions PRIA read

- Use HSA money for fertility care: benefit, medium. If enacted, you would be able to use HSA money for fertility care. Covered costs would include egg, sperm, or embryo preservation with long-term storage. It would include artificial insemination and in vitro fertilization when clinically appropriate. It would also include fertility medications and…

## Related bills

- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-5361: George Floyd Justice in Policing Act of 2025
- 119-hr-4664: Stop Shackling and Detaining Pregnant Women Act
- 119-hr-2045: Medicare Dental, Vision, and Hearing Benefit Act of 2025

## Sources
- [119-hr-3091 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3091)

## Related
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [119-hr-4664: Stop Shackling and Detaining Pregnant Women Act](https://policyrisk.com/legislation/119-hr-4664)
- [119-hr-2045: Medicare Dental, Vision, and Hearing Benefit Act of 2025](https://policyrisk.com/legislation/119-hr-2045)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3091 (as of 2026-09-06).