Which US states require private health insurers to cover fertility diagnosis, treatment, or preservation, and the specific terms of each mandate. Each record is one state, stating the mandate type (treatment, preservation only, or offer/cover distinction), which treatments are covered (IVF, GIFT, ZIFT, fertility preservation), cycle or dollar limits, age restrictions, employer-size thresholds, self-insured plan exemption status, religious employer exemption, effective date, and the statute citation. As of 2026, 25 states plus DC require some form of fertility coverage, but the variation is enormous: California (SB 729, effective January 2026) mandates IVF in large group plans with no cycle limit; Arkansas caps lifetime coverage at $15,000 and requires trying cheaper treatments first; Delaware covers six egg retrievals but only for iatrogenic infertility; several states mandate only fertility preservation for cancer patients. Self-insured employer plans (covering ~65% of workers with job-based insurance) are exempt from all state mandates under federal ERISA. Answers 'does my state require insurance to cover IVF', 'how many IVF cycles does my state mandate', 'does the fertility mandate apply to my employer', and 'what are the age limits for mandated fertility coverage in [state]'.

State insurance mandate requirements are facts derived from state statutes; not copyrightable. Source pages are patient advocacy sites, benefits broker guides, and legislative trackers that cite the underlying statutes.

State insurance mandates for fertility treatment and IVF coverage


**State:** Arkansas

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** $15,000

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** yes

**Religious employer exempt:** not stated

**Prior treatment required:** yes — must try less costly treatment first

**Effective date:** not stated

**Statute citation:** not stated

> Arkansas With Arkansas fertility insurance, you do have some benefits, albeit limited. If you have an individual or group policy that includes maternity benefits, IVF must also be covered, as well as cryopreservation. But, there is a lifetime cap of just $15,000 here.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Arkansas — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, ivf_covered, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** California

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** large group health plans

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** January 1, 2026

**Statute citation:** SB 729

> Arizona No fertility insurance mandate here. Coverage is up to individual employers and providers. The state’s Essential Health Benefits (EHB) plan <https://www.azleg.gov/alispdfs/sunrise/Insurance_coverage_for_infertility_ARS_20_181_182_183_2019.pdf> includes coverage for infertility diagnosis, so all individual and small-group plans must cover at least the diagnostic part. Arkansas With Arkansas fertility insurance, you do have some benefits, albeit limited. If you have an individual or group policy that includes maternity benefits, IVF must also be covered, as well as cryopreservation. But, there is a lifetime cap of just $15,000 here. You also can’t just move right to IVF. First, you must try a less costly fertility approach such as undergoing an intrauterine insemination (IUI). Also, HMO’s and employers who self-insure are exempt. California California has one of the most comprehensive fertility insurance mandates in the country. Under Senate Bill 729 ( <https://resolve.org/learn/financial-resources/insurance-coverage/understanding-californias-ivf-insurance-law/> SB 729 ), large group health plans are required to cover the diagnosis and treatment of infertility, including in vitro fertilization (IVF). The mandate applies to health insurance policies that are new or renewing on or after January 1, 2026.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

California — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, ivf_covered, lifetime_dollar_cap, religious_employer_exempt, self_insured_exempt


**State:** Colorado

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 3 egg retrievals with unlimited embryo transfers

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** 100

**Self-insured plans exempt:** not stated

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** January 1, 2023

**Statute citation:** not stated

> As of January 1, 2023, Colorado fertility insurance now offers eligibility for three egg retrievals with unlimited embryo transfers covered. This is true provided that your insurance coverage is from a large group of 100 or more people. Those with individual or small group plans will unfortunately not have access to this coverage. Also, religious organizations, even large ones, are not required to provide fertility coverage.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Colorado — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Connecticut

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 2 cycles of IVF, ZIFT, or GIFT

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** yes

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> With Connecticut fertility insurance, diagnosis and treatment of medically necessary infertility expenses must be covered. You may be entitled to up to two cycles of IVF, zygote intrafallopian transfer (ZIFT), or gamete intrafallopian transfer (GIFT), up to four cycles of ovulation induction and up to three cycles of intrauterine insemination. But, only those who have had coverage under the policy for at least one year will be eligible. Also, if your employer self-insures, they do not have to provide this coverage, or, if they are a religious organization, this is also not mandated.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Connecticut — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Delaware

**Mandate type:** mandate to cover

**IVF covered:** limited

**Cycle or retrieval limit:** 6 egg retrievals with unlimited embryo transfers

**Lifetime dollar cap:** no statutory cap

**Age restriction:** egg retrieval before age 45, embryo transfer before age 50

**Employer size threshold:** not stated

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> Delaware fertility insurance offers an array of services that includes IVF with eggs, sperm, or embryos from a donor, and even allows for a surrogate or gestational carrier. You are even entitled to six egg retrievals with unlimited embryo transfers. But there is a hitch. This coverage is restricted to those with iatrogenic infertility, or fertility issues as a result of a medical treatment such as chemotherapy, surgery, or radiation. Also, any egg retrieval must be done before age 45 and any embryos transferred before age 50.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Delaware — State insurance mandates for fertility treatment and IVF coverage

cycle_limit, effective_date, employer_size_threshold, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** District of Columbia

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 3 rounds of IVF

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** 2025

**Statute citation:** B25-0034, Expanding Access to Fertility Treatment Amendment Act of 2023

> starting in 2025, plans offered through DC Health Link (the only way to obtain individual/family coverage in DC) and employer-sponsored plans must cover the diagnosis of infertility, three rounds of IVF, and an embryo transfer to a surrogate, if necessary.

Source: <https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/>

District of Columbia — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, employer_size_threshold, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, state, statute_citation


**State:** Florida

**Mandate type:** preservation only

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** N/A

**Age restriction:** none stated

**Employer size threshold:** state group health insurance plan

**Self-insured plans exempt:** yes

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** January 1, 2026

**Statute citation:** not stated

> Florida Under <https://www.reproductivefacts.org/patient-advocacy/state-and-territory-infertility-insurance-laws/florida/> 2025 Florida law , state group health insurance plans issued or renewed on or after January 1, 2026 must cover fertility preservation services but only when a patient faces iatrogenic infertility (infertility caused by medical treatments such as surgery, radiation, or chemotherapy) and storage for up to three years. The mandate applies only to the state group health insurance plan, so self-insured employers are exempt and most private plans in Florida are not required to offer this coverage. Georgia Georgia has a limited fertility insurance mandate that focuses on fertility preservation rather than fertility treatment. Under House Bill 94 ( <https://ogletree.com/insights-resources/blog-posts/state-laws-aim-to-reverse-baby-bust-and-cut-ivf-costs/> HB 94 ), effective January 1, 2026, state-regulated private insurance plans are required to cover medically necessary egg, sperm, and embryo freezing for patients with iatrogenic infertility undergoing treatments for conditions such as cancer. The mandate includes coverage for up to one year of storage. The law does not require insurers to cover IVF treatment;

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Florida — State insurance mandates for fertility treatment and IVF coverage


**State:** Georgia

**Mandate type:** preservation only

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** N/A

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** January 1, 2026

**Statute citation:** HB 94

> Georgia Georgia has a limited fertility insurance mandate that focuses on fertility preservation rather than fertility treatment. Under House Bill 94 ( <https://ogletree.com/insights-resources/blog-posts/state-laws-aim-to-reverse-baby-bust-and-cut-ivf-costs/> HB 94 ), effective January 1, 2026, state-regulated private insurance plans are required to cover medically necessary egg, sperm, and embryo freezing for patients with iatrogenic infertility undergoing treatments for conditions such as cancer. The mandate includes coverage for up to one year of storage. The law does not require insurers to cover IVF treatment; instead, it primarily codifies protections around access to IVF. Hawaii While you can get some Hawaiian fertility insurance coverage that may be beneficial, it’s limited. You’re entitled to one and only one IVF cycle. That’s for those with a minimum of a five-year history of issues such as endometriosis, blocked or removed fallopian tubes, DES exposure, or male infertility factors. You also can’t move on to IVF until you’ve tried other covered fertility treatment first. So, if you are eligible, you truly don’t want to give away your shot… Idaho No fertility insurance mandate here.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Georgia — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, employer_size_threshold, lifetime_dollar_cap, religious_employer_exempt, self_insured_exempt


**State:** Hawaii

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 1 cycle

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** yes — must try other covered fertility treatment first

**Effective date:** not stated

**Statute citation:** not stated

> You’re entitled to one and only one IVF cycle. That’s for those with a minimum of a five-year history of issues such as endometriosis, blocked or removed fallopian tubes, DES exposure, or male infertility factors.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Hawaii — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, state, statute_citation


**State:** Illinois

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 4 egg retrievals, plus 2 more after a live birth

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** 25

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** yes — must try lower-cost treatments first

**Effective date:** not stated

**Statute citation:** not stated

> Illinois With Illinois fertility insurance coverage, provided you have tried lower-cost treatments under your insurance umbrella first without success, you do have coverage for IVF, GIFT, and ZIFT. What’s more, you get four bites at the apple and if you are successful and a live birth occurs, you’re actually entitled to two more covered egg retrievals. But this only applies to work-related group policies that cover more than 25 full-time employees.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Illinois — State insurance mandates for fertility treatment and IVF coverage

age_restriction, effective_date, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Kentucky

**Mandate type:** preservation only

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** N/A

**Age restriction:** not stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** yes

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> Kansas No fertility insurance mandate here. Coverage is up to individual employers and providers. Kentucky

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Kentucky — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, lifetime_dollar_cap, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Louisiana

**Mandate type:** mandate to cover

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** yes

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** LA Rev Stat Tit 22 Sect 1036

> Louisiana The Louisiana <https://codes.findlaw.com/la/revised-statutes/la-rev-stat-tit-22-sect-1036> fertility insurance law provides a fig leaf of coverage. You are only eligible here for diagnosis and treatment if your fertility issues are the result of a correctable medical condition. Even that has exceptions. There is no requirement to cover fertility medication or to offer IVF or even other fertility treatment.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Louisiana — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, lifetime_dollar_cap, mandate_type, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Maine

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** not stated

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** 24-A MRSA §4320-S

> If your employer self-insures, then even if you would be eligible otherwise, there’s no requirement that you be covered. Religious employers may also opt out. Maine Under <https://law.justia.com/codes/maine/title-24-a/chapter-56-a/subchapter-1/> 24-A MRSA §4320-S

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Maine — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, ivf_covered, lifetime_dollar_cap, mandate_type, religious_employer_exempt, self_insured_exempt


**State:** Maryland

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 3 IVF rounds per live birth

**Lifetime dollar cap:** $100,000

**Age restriction:** none stated

**Employer size threshold:** 50

**Self-insured plans exempt:** yes

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> With Maryland fertility insurance, you are golden. This insurance offers coverages not only to traditional heterosexual couples, but also same sex couples and unmarried patients. Those who qualify are entitled to undergo three IVF rounds for every live birth. There is, however, a $100,000 lifetime cap here. But, this coverage is not a requirement for religious employers, those with fewer than 50 employees, or those employers who self insure.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Maryland — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, ivf_covered, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Massachusetts

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> There’s also no state lifetime cap on the amount of fertility insurance available and no limit on the number cycles. But, insurers are able to use their clinical guidelines and patient’s medical histories to set some limits here. Massachusetts

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Massachusetts — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, ivf_covered, lifetime_dollar_cap, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Minnesota

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 4 retrievals per lifetime, unlimited embryo transfers

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** 25

**Self-insured plans exempt:** not stated

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** January 1, 2026

**Statute citation:** HF1758, the Building Families Act

> Michigan No fertility insurance mandate here. Coverage is up to individual employers and providers. Minnesota Starting January 1, 2026, Minnesota’s new law ( <https://www.billtrack50.com/billdetail/1851803/.multi-collapse> HF1758, the Building Families Act ) mandates that large group health plans (over 25 employees) offering maternity coverage must also cover infertility diagnosis and treatment, including IVF.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Minnesota — State insurance mandates for fertility treatment and IVF coverage


**State:** Montana

**Mandate type:** mandate to cover

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** HMO plans only

**Self-insured plans exempt:** yes

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> Missouri No fertility insurance mandate here. Coverage is up to individual employers and providers. Montana

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Montana — State insurance mandates for fertility treatment and IVF coverage


**State:** Nevada

**Mandate type:** preservation only

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** N/A

**Age restriction:** none stated

**Employer size threshold:** not stated

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** 2026

**Statute citation:** AB428

> Starting in 2026, Nevada requires coverage of fertility preservation services following a diagnosis of breast or ovarian cancer.

Source: <https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/>

Nevada — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, employer_size_threshold, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** New Hampshire

**Mandate type:** mandate to cover

**IVF covered:** limited

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> If you have a group policy that offers benefits for medical or hospital expenses, the New Hampshire fertility insurance mandate provides for medically necessary fertility treatment. This includes coverage for evaluations, laboratory testing, and medication. If fertility preservation is needed, such as if you must undergo chemotherapy or radiation treatment, coverage includes both procurement and cryopreservation of reproductive materials such as eggs, sperm, and embryos, and may even include storage for a time. But experimental infertility procedures are not included.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

New Hampshire — State insurance mandates for fertility treatment and IVF coverage


**State:** New Jersey

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 4 IVF cycles

**Lifetime dollar cap:** no statutory cap

**Age restriction:** under age 46

**Employer size threshold:** 50

**Self-insured plans exempt:** yes

**Religious employer exempt:** yes

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> New Jersey With New Jersey fertility insurance, as long as you are under the age of 46 and have a group policy that includes at least 50 people, with pregnancy-related benefits, you are potentially eligible for a variety of infertility treatments. This includes a menu of items such as up to four IVF cycles with ICSI, GIFT, or ZIFT, as well as use of donor eggs and even the potential to use a gestational carrier or surrogate. But except in cases where the patient must undergo treatment that puts fertility at risk, such as chemotherapy, cryopreservation is not covered. Also, there are some exceptions to which insurers must follow the mandate – neither religious employers or those who self-insure are required to provide this coverage. New Mexico No fertility insurance here.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

New Jersey — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, ivf_covered, lifetime_dollar_cap, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** New York

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 3 IVF cycles

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** 100

**Self-insured plans exempt:** yes

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** 2020

**Statute citation:** not stated

> New Mexico No fertility insurance here. Currently out of luck. New York As part of a new law enacted in 2020, New York fertility insurance offers those who have large group insurance plans of 100 or more, up to three IVF cycles.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

New York — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, ivf_covered, lifetime_dollar_cap, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Ohio

**Mandate type:** mandate to cover

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** HMO plans only

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> North Dakota No fertility insurance here. Currently out of luck. Ohio

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Ohio — State insurance mandates for fertility treatment and IVF coverage


**State:** Rhode Island

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** $100,000

**Age restriction:** age 25 to age 42

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> The Rhode Island fertility coverage is mandated for all of those with an HMO or other insurance policy that includes pregnancy coverage. Beginning at age 25 and extending up to age 42, women here with such a plan are entitled to coverage for diagnosis and treatment of infertility. Also, if someone is undergoing a procedure that may result in infertility, insurers must cover fertility preservation treatment. There is, however, a $100,000 lifetime treatment cap.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Rhode Island — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, effective_date, employer_size_threshold, ivf_covered, prior_treatment_required, religious_employer_exempt, self_insured_exempt, statute_citation


**State:** Texas

**Mandate type:** mandate to offer

**IVF covered:** limited

**Cycle or retrieval limit:** no statutory limit

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** all group sizes

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** yes — must try less costly measures first

**Effective date:** not stated

**Statute citation:** not stated

> although insurance companies must provide this as an option, there is no mandate that any group is required to actually offer this as part of their health plan

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

Texas — State insurance mandates for fertility treatment and IVF coverage


**State:** Utah

**Mandate type:** mandate to cover

**IVF covered:** limited

**Cycle or retrieval limit:** 1 single embryo implant

**Lifetime dollar cap:** $4,000

**Age restriction:** none stated

**Employer size threshold:** Utah Public Employees' Health Plan

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** 2024

**Statute citation:** SB35

> Utah Utah’s coverage requirement applies only to the >https://www.pehp.org/< Utah Public Employees’ Health Plan . This was previously a pilot program, scheduled to sunset at the end of 2024, but it was made permanent by Utah SB35, enacted in 2024. 35 The program provides an indemnity benefit of $4,000 per single embryo implant.

Source: <https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/>

Utah — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, employer_size_threshold, ivf_covered, prior_treatment_required, religious_employer_exempt, self_insured_exempt


**State:** Virginia

**Mandate type:** mandate to cover

**IVF covered:** yes

**Cycle or retrieval limit:** 3 cycles per lifetime

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** individual and small group plans (EHB benchmark)

**Self-insured plans exempt:** yes — explicitly stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** 2028

**Statute citation:** VA HB 328

> Virginia Leads with Comprehensive Coverage Mandate Of note, the Virginia General Assembly enrolled legislation ( <https://lis.virginia.gov/bill-details/20261/HB328> VA HB 328 ) that would require the Bureau of Insurance to select a new essential health benefits benchmark plan for the 2028

Source: <https://www.multistate.us/insider/2026/4/1/state-fertility-coverage-mandates-expand-in-2026-legislative-sessions-ivf-and-assisted-reproductive-technology-laws>

Virginia — State insurance mandates for fertility treatment and IVF coverage

age_restriction, cycle_limit, employer_size_threshold, ivf_covered, lifetime_dollar_cap, prior_treatment_required, religious_employer_exempt, self_insured_exempt


**State:** West Virginia

**Mandate type:** mandate to cover

**IVF covered:** no

**Cycle or retrieval limit:** N/A

**Lifetime dollar cap:** no statutory cap

**Age restriction:** none stated

**Employer size threshold:** HMO plans only

**Self-insured plans exempt:** not stated

**Religious employer exempt:** not stated

**Prior treatment required:** no

**Effective date:** not stated

**Statute citation:** not stated

> Washington No fertility insurance. Currently out of luck. West Virginia The West Virginia fertility insurance mandate is low on details.

Source: <https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up>

West Virginia — State insurance mandates for fertility treatment and IVF coverage