Families facing fertility costs could use retirement savings without an early withdrawal tax penalty.
Families facing high fertility treatment costs could use their retirement savings without an extra tax. This bill would let individuals, their spouses, or domestic partners take out up to $20,000 over their lifetime for approved expenses. They would not pay the usual 10% early withdrawal tax. This new rule would apply to money taken out after December 31, 2025.
Today, if you take money from most retirement plans before age 59 1/2, you generally pay a 10% early withdrawal tax. This includes money used for fertility treatments. If this bill becomes law, individuals could take out up to $20,000 (adjusted for inflation) from eligible retirement plans to pay for qualified fertility treatment expenses for themselves, their spouse, or domestic partner without paying the 10% early withdrawal tax. This change would apply to distributions made after December 31, 2025.
HR 9753 · 119th Congress · July 16, 2026 · AI Summary by gemini-2.5-flash · 9/10
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