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HB 341

Authorize tax credit for assisted reproduction insurance coverage

136th Legislature (2025-2026) Introduced by Josh Williams

Ohio tax credit for assisted reproduction insurance coverage aims to make fertility treatments more affordable through tax incentives rather than insurance mandates.

Referred to committee
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Bill Summary · HB 341

Legislative bill overview

HB 341 would establish a state tax credit for individuals or families who purchase insurance coverage for assisted reproduction (fertility treatments, IVF, etc.). The bill aims to make fertility treatments more financially accessible by reducing the out-of-pocket costs through tax incentives rather than mandating insurance coverage.

Why is this important

Assisted reproduction procedures are expensive—IVF alone can cost $12,000-$18,000 per cycle—making them inaccessible to many Ohioans. By using tax credits, this bill attempts to address infertility treatment costs while avoiding the insurance mandate approach that could increase premiums for all insurers' customers. The policy reflects broader national debates about reproductive healthcare access and whether fertility treatment should be considered essential medical care.

Potential points of contention

  • Tax credit structure uncertainty: The bill's details (credit amount, income eligibility limits, whether it applies to employer-provided or individual plans) are not yet public, making it difficult to assess whether it meaningfully addresses affordability or primarily benefits higher-income households who can afford upfront costs and claim credits later.
  • Subsidy mechanism concerns: Tax credits are only useful to those with tax liability, potentially excluding lower-income Ohioans who might benefit most; also requires individuals to pay for treatment upfront and recoup costs through taxes.
  • Insurance market impact: Unlike mandate approaches, voluntary tax incentives may not significantly increase overall demand for fertility coverage, limiting insurance carriers' motivation to expand or improve assisted reproduction benefits.

Compiled from official sources — confirm details with the bill’s official record.

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