Medical in excess of 7.5% 10% of AGI is an exclusion, and some fertility treatments count as medical. (Gah, we're back to 10% again.)

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distri...

There exists no hardship exception for IRAs. That's a 401(k) exception, and what it lets you take is an in-service distribution subject to penalty.