Is egg freezing tax deductible as a fertility medical expense?

This is actually a really good question with some nuance to it. The key here is that medical deductions need to be for the "diagnosis, cure, mitigation, treatment, or prevention of disease" OR for "treatments affecting any structure or function of the body." Egg freezing for medical reasons (like before cancer treatment) would clearly qualify as it's preventing future infertility from a medical treatment. For elective egg freezing (for age-related fertility preservation), it gets trickier. The IRS doesn't specifically address it, but since they do allow IVF and temporary storage of eggs, you have a reasonable position to claim it. If you itemize deductions and your total medical expenses exceed 7.5% of your AGI, keep detailed receipts from your doctor showing the medical necessity or connection to fertility preservation. A letter from your physician explaining the medical purpose would strengthen your position.

I went through this exact situation last year! After spending hours researching, I found a service called taxr.ai that really helped me figure this out. My fertility clinic gave me vague answers about deductibility, but when I uploaded my documentation to https://taxr.ai they clarified that egg freezing CAN be deductible if properly documented. They analyzed my specific situation and explained exactly what I needed from my doctor to substantiate the deduction. They even provided template language for the medical necessity letter my doctor needed to write. Made a huge difference in how I approached it with my tax preparer.

I need to follow up on my skeptical comment above. I actually ended up trying taxr.ai for my situation (egg freezing for PCOS + career timing) and I'm genuinely impressed. They identified that my procedure could be partially deductible since my PCOS was a medical condition contributing to my decision. They helped me separate the costs that were clearly medical (the retrieval procedure, certain medications) from the more questionable ones (some optional testing), and provided actual tax code references my CPA could use. Was able to deduct about $8,900 of my $12,000 total cost. Wish I'd known about this service before my initial consultation!

If you need to actually speak with someone at the IRS about this specific deduction (which I recommend before filing), good luck getting through their phone lines! I spent literally 6 hours on hold trying to get clarification on medical deductions. A friend recommended https://claimyr.com and I was super skeptical but it actually worked. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c - they somehow get the IRS to call YOU instead of waiting on hold. I got a call back in about 45 minutes and was able to ask specifically about fertility treatments and documentation requirements.

So I was the skeptic above about Claimyr, but I have to admit I tried it for another tax question (not fertility related) and it actually worked exactly as described. Got a call back from the IRS in about an hour and saved myself an entire afternoon of waiting on hold. While I had them on the phone, I actually asked about the egg freezing question too since I'm considering it next year. The agent confirmed what others have said - it CAN be deductible if properly documented as a medical necessity. They specifically said having your doctor explain how it preserves bodily function is key, and that age-related fertility decline can qualify as the medical basis. Definitely keeping this service in my back pocket for future tax questions!

I'm an accountant (though not giving official advice here) and I've had clients successfully deduct egg freezing costs. The key is proper documentation. Here's what has worked: 1. Letter from doctor explaining medical necessity (even if it's age-related) 2. Itemized receipts clearly showing medical procedures 3. Documentation connecting it to preservation of bodily function Remember you need to exceed 7.5% of AGI threshold for medical expenses to get any benefit, and you must itemize deductions rather than take the standard deduction.

Has anyone actually tried deducting it without having a specific medical condition? I'm 37 and just not ready for kids yet but worried about my clock ticking. I don't have cancer or PCOS or anything - just normal age-related concerns.

This thread has been incredibly helpful! I'm 34 and have been putting off this decision partly due to cost. Based on what everyone's shared, it sounds like the key is getting proper medical documentation that frames egg freezing as preservation of reproductive function rather than just "not being ready." A few follow-up questions for those who've been through this: 1. Did your insurance cover any portion that you then couldn't deduct (since you can't double-dip)? 2. How detailed did your doctor's letter need to be - just a paragraph or multiple pages? 3. For those who itemized, what other medical expenses helped you reach that 7.5% AGI threshold? I'm definitely going to discuss this with my fertility clinic and see what documentation they can provide. The potential tax savings could make this much more feasible for me financially.