# 119-hr-9753: Fertility Cost Relief Act

119-hr-9753, Fertility Cost Relief Act, is a 119th Congress bill sponsored by Rep. Levin, Mike [D-CA-49] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-08-02).

- Canonical: https://policyrisk.com/legislation/119-hr-9753
- As of: 2026-08-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9753
- Congress: 119
- Title: Fertility Cost Relief Act
- Status: introduced
- Introduced: 2026-07-16
- Sponsor: Rep. Levin, Mike [D-CA-49] (D-CA)
- Cosponsors: 1
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-08-02

## Summary

**This bill would exempt certain retirement-account withdrawals used for fertility treatment from the 10 percent early withdrawal tax.** It limits exempted withdrawals to a per-person per-year cap of $20,000 with inflation adjustments starting after 2026 and defines which treatments and plan types qualify. - Families and patients: People could withdraw funds penalty-free to pay for IVF, egg or sperm preservation, artificial insemination, genetic testing of embryos, fertility medications, gamete donation, and related services if the money is used within 1 year. - Workers and accounts: The exemption would apply to distributions from eligible retirement plans other than defined benefit plans and is capped each year at the excess of $20,000 over prior years' qualified fertility withdrawals for the same individual. - Retirement plans and employers: Plans may treat these distributions as qualified without violating plan rules unless employer-wide distributions exceed the annual limit. The bill also removes rollover and withholding treatment so these amounts are not treated as eligible rollover distributions. - Timing: The rule would apply to distributions made after December 31, 2025.

## Cosponsors (1)

- Rep. Carey, Mike [R-OH-15] (R-OH), 2026-07-16T00:00:00.000Z

## Provisions PRIA read

- Retirement withdrawal relief for fertility: benefit, high. If enacted, distributions used for fertility care would be exempt from the 10% early withdrawal tax. You could treat up to $20,000 per taxable year as a qualified fertility treatment distribution, but that $20,000 is reduced by any earlier such distributions you received. For taxable years beginnin…

## Related bills

- 119-hr-3077: Agriculture Resilience Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-4393: DIGNIDAD (Dignity) Act of 2025
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026

## Sources
- [119-hr-9753 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9753)

## Related
- [119-hr-3077: Agriculture Resilience Act of 2025](https://policyrisk.com/legislation/119-hr-3077)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-4393: DIGNIDAD (Dignity) Act of 2025](https://policyrisk.com/legislation/119-hr-4393)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9753 (as of 2026-08-02).