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

For Colorado, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is 3 egg retrievals with unlimited embryo transfers; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** Colorado _(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:** 3 egg retrievals with unlimited embryo transfers
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** 100 _(verified: appears in the quote below)_
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** yes
- **Prior treatment required:** no
- **Effective date:** January 1, 2023 _(verified: appears in the quote below)_
- **Statute citation:** not stated

## What the source says

> 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

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/).