{ "name": "State insurance mandates for fertility treatment and IVF coverage", "description": "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]'.", "url": "https://referencesource.org/state-fertility-insurance-mandates/", "licence": "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.", "last_verified": "2026-08-15", "stale_after": "2027-02-11", "sources": [ "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/", "https://www.multistate.us/insider/2026/4/1/state-fertility-coverage-mandates-expand-in-2026-legislative-sessions-ivf-and-assisted-reproductive-technology-laws" ], "records": [ { "state": "Arkansas", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "$15,000", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "yes", "religious_employer_exempt": "not stated", "prior_treatment_required": "yes \u2014 must try less costly treatment first", "effective_date": "not stated", "statute_citation": "not stated", "id": "arkansas", "url": "https://referencesource.org/state-fertility-insurance-mandates/arkansas/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "lifetime_dollar_cap", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "California", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "large group health plans", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "January 1, 2026", "statute_citation": "SB 729", "id": "california", "url": "https://referencesource.org/state-fertility-insurance-mandates/california/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Arizona No fertility insurance mandate here. Coverage is up to individual employers and providers. The state\u2019s Essential Health Benefits (EHB) plan 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\u2019t just move right to IVF. First, you must try a less costly fertility approach such as undergoing an intrauterine insemination (IUI). Also, HMO\u2019s 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 ( 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.", "verified_fields": [ "effective_date", "employer_size_threshold", "prior_treatment_required", "state", "statute_citation" ], "derived_fields": [ "mandate_type" ] }, { "state": "Colorado", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "3 egg retrievals with unlimited embryo transfers", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "100", "self_insured_exempt": "not stated", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "January 1, 2023", "statute_citation": "not stated", "id": "colorado", "url": "https://referencesource.org/state-fertility-insurance-mandates/colorado/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "effective_date", "employer_size_threshold", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Connecticut", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_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_exempt": "yes", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "connecticut", "url": "https://referencesource.org/state-fertility-insurance-mandates/connecticut/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Delaware", "mandate_type": "mandate to cover", "ivf_covered": "limited", "cycle_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_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "delaware", "url": "https://referencesource.org/state-fertility-insurance-mandates/delaware/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "age_restriction", "ivf_covered", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "District of Columbia", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "3 rounds of IVF", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_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", "id": "district-of-columbia", "url": "https://referencesource.org/state-fertility-insurance-mandates/district-of-columbia/", "source": "https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/", "source_quote": "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.", "verified_fields": [ "effective_date" ], "derived_fields": [ "mandate_type" ] }, { "state": "Florida", "mandate_type": "preservation only", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "N/A", "age_restriction": "none stated", "employer_size_threshold": "state group health insurance plan", "self_insured_exempt": "yes", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "January 1, 2026", "statute_citation": "not stated", "id": "florida", "url": "https://referencesource.org/state-fertility-insurance-mandates/florida/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Florida Under 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 ( 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;", "verified_fields": [ "effective_date", "employer_size_threshold", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Georgia", "mandate_type": "preservation only", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "N/A", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "January 1, 2026", "statute_citation": "HB 94", "id": "georgia", "url": "https://referencesource.org/state-fertility-insurance-mandates/georgia/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Georgia Georgia has a limited fertility insurance mandate that focuses on fertility preservation rather than fertility treatment. Under House Bill 94 ( 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\u2019s limited. You\u2019re entitled to one and only one IVF cycle. That\u2019s 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\u2019t move on to IVF until you\u2019ve tried other covered fertility treatment first. So, if you are eligible, you truly don\u2019t want to give away your shot\u2026 Idaho No fertility insurance mandate here.", "verified_fields": [ "effective_date", "ivf_covered", "prior_treatment_required", "state", "statute_citation" ], "derived_fields": [ "mandate_type" ] }, { "state": "Hawaii", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "1 cycle", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "yes \u2014 must try other covered fertility treatment first", "effective_date": "not stated", "statute_citation": "not stated", "id": "hawaii", "url": "https://referencesource.org/state-fertility-insurance-mandates/hawaii/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "You\u2019re entitled to one and only one IVF cycle. That\u2019s 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.", "derived_fields": [ "mandate_type" ] }, { "state": "Illinois", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_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_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "yes \u2014 must try lower-cost treatments first", "effective_date": "not stated", "statute_citation": "not stated", "id": "illinois", "url": "https://referencesource.org/state-fertility-insurance-mandates/illinois/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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\u2019s more, you get four bites at the apple and if you are successful and a live birth occurs, you\u2019re 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.", "verified_fields": [ "cycle_limit", "employer_size_threshold", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Kentucky", "mandate_type": "preservation only", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "N/A", "age_restriction": "not stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "yes", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "kentucky", "url": "https://referencesource.org/state-fertility-insurance-mandates/kentucky/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Kansas No fertility insurance mandate here. Coverage is up to individual employers and providers. Kentucky", "verified_fields": [ "ivf_covered", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Louisiana", "mandate_type": "mandate to cover", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "yes", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "LA Rev Stat Tit 22 Sect 1036", "id": "louisiana", "url": "https://referencesource.org/state-fertility-insurance-mandates/louisiana/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Louisiana The Louisiana 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.", "verified_fields": [ "ivf_covered", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Maine", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "not stated", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "24-A MRSA \u00a74320-S", "id": "maine", "url": "https://referencesource.org/state-fertility-insurance-mandates/maine/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "If your employer self-insures, then even if you would be eligible otherwise, there\u2019s no requirement that you be covered. Religious employers may also opt out. Maine Under 24-A MRSA \u00a74320-S", "verified_fields": [ "prior_treatment_required", "state", "statute_citation" ], "derived_fields": [ "mandate_type" ] }, { "state": "Maryland", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "3 IVF rounds per live birth", "lifetime_dollar_cap": "$100,000", "age_restriction": "none stated", "employer_size_threshold": "50", "self_insured_exempt": "yes", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "maryland", "url": "https://referencesource.org/state-fertility-insurance-mandates/maryland/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "employer_size_threshold", "lifetime_dollar_cap", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Massachusetts", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "massachusetts", "url": "https://referencesource.org/state-fertility-insurance-mandates/massachusetts/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "There\u2019s 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\u2019s medical histories to set some limits here. Massachusetts", "verified_fields": [ "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Minnesota", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "4 retrievals per lifetime, unlimited embryo transfers", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "25", "self_insured_exempt": "not stated", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "January 1, 2026", "statute_citation": "HF1758, the Building Families Act", "id": "minnesota", "url": "https://referencesource.org/state-fertility-insurance-mandates/minnesota/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Michigan No fertility insurance mandate here. Coverage is up to individual employers and providers. Minnesota Starting January 1, 2026, Minnesota\u2019s new law ( 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.", "verified_fields": [ "effective_date", "employer_size_threshold", "prior_treatment_required", "state", "statute_citation" ], "derived_fields": [ "mandate_type" ] }, { "state": "Montana", "mandate_type": "mandate to cover", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "HMO plans only", "self_insured_exempt": "yes", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "montana", "url": "https://referencesource.org/state-fertility-insurance-mandates/montana/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Missouri No fertility insurance mandate here. Coverage is up to individual employers and providers. Montana", "verified_fields": [ "ivf_covered", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Nevada", "mandate_type": "preservation only", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "N/A", "age_restriction": "none stated", "employer_size_threshold": "not stated", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "2026", "statute_citation": "AB428", "id": "nevada", "url": "https://referencesource.org/state-fertility-insurance-mandates/nevada/", "source": "https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/", "source_quote": "Starting in 2026, Nevada requires coverage of fertility preservation services following a diagnosis of breast or ovarian cancer.", "verified_fields": [ "effective_date", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "New Hampshire", "mandate_type": "mandate to cover", "ivf_covered": "limited", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "new-hampshire", "url": "https://referencesource.org/state-fertility-insurance-mandates/new-hampshire/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "New Jersey", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "4 IVF cycles", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "under age 46", "employer_size_threshold": "50", "self_insured_exempt": "yes", "religious_employer_exempt": "yes", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "new-jersey", "url": "https://referencesource.org/state-fertility-insurance-mandates/new-jersey/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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 \u2013 neither religious employers or those who self-insure are required to provide this coverage. New Mexico No fertility insurance here.", "verified_fields": [ "employer_size_threshold", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "New York", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "3 IVF cycles", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "100", "self_insured_exempt": "yes", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "2020", "statute_citation": "not stated", "id": "new-york", "url": "https://referencesource.org/state-fertility-insurance-mandates/new-york/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "effective_date", "employer_size_threshold", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Ohio", "mandate_type": "mandate to cover", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "HMO plans only", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "ohio", "url": "https://referencesource.org/state-fertility-insurance-mandates/ohio/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "North Dakota No fertility insurance here. Currently out of luck. Ohio", "verified_fields": [ "ivf_covered", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Rhode Island", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "$100,000", "age_restriction": "age 25 to age 42", "employer_size_threshold": "all group sizes", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "rhode-island", "url": "https://referencesource.org/state-fertility-insurance-mandates/rhode-island/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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.", "verified_fields": [ "lifetime_dollar_cap", "state" ], "derived_fields": [ "mandate_type" ] }, { "state": "Texas", "mandate_type": "mandate to offer", "ivf_covered": "limited", "cycle_limit": "no statutory limit", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "all group sizes", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "yes \u2014 must try less costly measures first", "effective_date": "not stated", "statute_citation": "not stated", "id": "texas", "url": "https://referencesource.org/state-fertility-insurance-mandates/texas/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "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", "derived_fields": [ "mandate_type" ] }, { "state": "Utah", "mandate_type": "mandate to cover", "ivf_covered": "limited", "cycle_limit": "1 single embryo implant", "lifetime_dollar_cap": "$4,000", "age_restriction": "none stated", "employer_size_threshold": "Utah Public Employees' Health Plan", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "2024", "statute_citation": "SB35", "id": "utah", "url": "https://referencesource.org/state-fertility-insurance-mandates/utah/", "source": "https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/", "source_quote": "Utah Utah’s coverage requirement applies only to the >https://www.pehp.org/< Utah Public Employees\u2019 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.", "verified_fields": [ "effective_date", "lifetime_dollar_cap", "state", "statute_citation" ], "derived_fields": [ "mandate_type" ] }, { "state": "Virginia", "mandate_type": "mandate to cover", "ivf_covered": "yes", "cycle_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_exempt": "yes \u2014 explicitly stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "2028", "statute_citation": "VA HB 328", "id": "virginia", "url": "https://referencesource.org/state-fertility-insurance-mandates/virginia/", "source": "https://www.multistate.us/insider/2026/4/1/state-fertility-coverage-mandates-expand-in-2026-legislative-sessions-ivf-and-assisted-reproductive-technology-laws", "source_quote": "Virginia Leads with Comprehensive Coverage Mandate Of note, the Virginia General Assembly enrolled legislation ( VA HB 328 ) that would require the Bureau of Insurance to select a new essential health benefits benchmark plan for the 2028", "verified_fields": [ "effective_date", "state", "statute_citation" ], "derived_fields": [ "mandate_type" ] }, { "state": "West Virginia", "mandate_type": "mandate to cover", "ivf_covered": "no", "cycle_limit": "N/A", "lifetime_dollar_cap": "no statutory cap", "age_restriction": "none stated", "employer_size_threshold": "HMO plans only", "self_insured_exempt": "not stated", "religious_employer_exempt": "not stated", "prior_treatment_required": "no", "effective_date": "not stated", "statute_citation": "not stated", "id": "west-virginia", "url": "https://referencesource.org/state-fertility-insurance-mandates/west-virginia/", "source": "https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up", "source_quote": "Washington No fertility insurance. Currently out of luck. West Virginia The West Virginia fertility insurance mandate is low on details.", "verified_fields": [ "ivf_covered", "prior_treatment_required", "state" ], "derived_fields": [ "mandate_type" ] } ] }