If you have a high-deductible health care plan, you likely also have a health savings account (HSA) attached to it. An HSA allows you to save money pre-tax for medical costs that aren’t covered by insurance. There are limits to how much you can contribute to an HSA each year. For 2019, the contribution limit is $3,500 for individuals and $7,000 for families.
If you withdraw money from the account to cover IRS-approved qualified medical expenses, you also won’t have to pay any taxes on those withdrawals.
Fertility treatments like In vitro fertilization as well as egg and sperm storage are considered qualified medical expenses.