Using HSA funds to pay for donor eggs retrieval for IVF

I am not yet married to my fiancé, but we are planning to get donor eggs for IVF. I would like to pay for this with my HSA, but am unsure if it's eligible for a man since it is for donor EGGS. If the benefit is counted towards her, since it would replace her eggs, is it still eligible to us as a couple if we are not yet married, sometimes these benefits only count toward spouses.

This article makes me think it would not be eligible

https://hsastore.com/hsa-eligibility-list/e/egg-donor-fees

Thanks

419

Level 15

Oct 27, 2022 1:27:46 PM

You can’t use your HSA funds for the medical expenses of anyone but you, your spouse or your dependents. Interesting question that you would be buying the eggs for a non eligible person but the eggs benefit you, too. I doubt that would be accepted by the IRS.

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Using HSA funds to pay for donor eggs retrieval for IVF