H.R.3091 - Health Savings and Affordability for Fertility Act (119th Congress)
Summary
H.R.3091, the Health Savings and Affordability for Fertility Act, seeks to amend the Internal Revenue Code of 1986. The amendment aims to classify fertility treatments as medical expenses eligible for Health Savings Account (HSA) funds. The bill outlines specific treatments covered, including oocyte, sperm, and embryo preservation, artificial insemination, assisted reproductive technology, fertility medications, and gamete donation.
Expected Effects
If enacted, this bill would expand the permissible uses of HSAs. This would allow individuals to use pre-tax funds for a wider range of fertility treatments. This could reduce the financial burden on individuals and couples seeking fertility assistance.
Potential Benefits
- Increased access to fertility treatments for individuals with HSAs.
- Potential reduction in the financial strain associated with fertility procedures.
- Greater flexibility in using HSA funds for reproductive healthcare.
- Encourages family planning by making fertility treatments more affordable.
- May lead to increased demand for fertility services, potentially stimulating related industries.
Potential Disadvantages
- May disproportionately benefit higher-income individuals who are more likely to have and contribute to HSAs.
- Potential strain on the HSA system if a large number of individuals begin using funds for fertility treatments.
- Could be perceived as government subsidization of fertility treatments, raising ethical concerns for some.
- May not significantly impact fertility access for low-income individuals without HSAs.
- Possible increase in the cost of fertility treatments due to increased demand.
Constitutional Alignment
The bill appears to align with the general welfare clause of the Constitution (Preamble). By aiming to improve access to healthcare and family planning, it can be argued that the bill promotes the well-being of individuals and families. However, the Constitution does not explicitly address healthcare or fertility treatments, leaving room for interpretation. The bill does not appear to infringe upon any specific constitutional rights or limitations.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).