HSA and HDHP

[LostDollar]

Caveat, not an agent.

You may have a question for a CPA there as far as how you can use the HSA funds.

https://www.irs.gov/pub/irs-pdf/p502.pdf says:

Fertility Enhancement
You can include in medical expenses the cost of the fol-
lowing procedures performed on yourself, your spouse, or
your dependent to overcome an inability to have children.
• Procedures such as in vitro fertilization (including tem-
porary storage of eggs or sperm).
• Surgery, including an operation to reverse prior sur-
gery that prevented the person operated on from hav-
ing children.

However IRS seems to have some restrictions on IVF:
IRS Denies Medical Expense Deduction for IVF Costs