How to Get Started…

These rules can be a little restricting for potential parents seeking fertility treatment in the very near future. So, it's a good idea to start planning your FSA if you anticipate any visits or treatment at a fertility clinic.

For 2019, employees can contribute up to $2,700 per year to their FSAs, all of which could be applied toward your infertility treatment. If you were to max out your FSA contribution for the year, depending on your tax bracket, you could save between $270 and $945 in federal taxes alone.

Although this may not be enough to cover all of the treatment, it can drastically reduce the initial costs and help you get a better financing plan over the next few months or years.

Even in the rare event that your treatment is covered by insurance, an FSA can cover the rest of copays, deductibles or coinsurance costs.