To amend the Internal Revenue Code of 1986 to exempt certain retirement plan distributions used to pay qualified fertility treatment expenses from the early withdrawal tax.
Key claim: HR9753 would amend the Internal Revenue Code to exempt certain retirement plan distributions used to pay qualified fertility treatment expenses from the early withdrawal tax.
Abstract
(HR9753 · 119th Congress) Latest action (2026-07-16): Referred to the House Committee on Ways and Means.
Why this matters
Fertility treatment costs frequently run tens of thousands of dollars out-of-pocket, and many patients tap retirement savings to pay for IVF and related care. Removing the 10% early-withdrawal penalty for these distributions would modestly reduce the financial burden on individuals seeking to build families, complementing (but not substituting for) broader coverage or personhood debates that dominate this sub-topic. The proposal illustrates a tax-code lever for reproductive access that sidesteps the more contested insurance-mandate and embryo-status questions.