# California — State insurance mandates for fertility treatment and IVF coverage

For California, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is no statutory limit; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** California _(verified: appears in the quote below)_
- **Mandate type:** mandate to cover _(our reading, not quoted from the source)_
- **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 _(verified: appears in the quote below)_
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** no _(verified: appears in the quote below)_
- **Effective date:** January 1, 2026 _(verified: appears in the quote below)_
- **Statute citation:** SB 729 _(verified: appears in the quote below)_

## What the source says

> 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

Last verified: 2026-08-15. Review by: 2027-02-11.
Part of [State insurance mandates for fertility treatment and IVF coverage](https://referencesource.org/state-fertility-insurance-mandates/).