Florida
For Florida, mandate type is preservation only; ivf covered is no; cycle or retrieval limit is N/A; lifetime dollar cap is N/A; age restriction is none stated, recorded from its source on 2026-08-15.
- State
- Florida verified
- Mandate type
- preservation only our reading
- 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 verified
- Self-insured plans exempt
- yes
- Religious employer exempt
- not stated
- Prior treatment required
- no
- Effective date
- January 1, 2026 verified
- Statute citation
- not stated
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
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;
— cofertility.com, retrieved 2026-08-15
Source
- cofertility.comhttps://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up