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

For Georgia, 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:** Georgia _(verified: appears in the quote below)_
- **Mandate type:** preservation only _(our reading, not quoted from the source)_
- **IVF covered:** no _(verified: appears in the quote below)_
- **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 _(verified: appears in the quote below)_
- **Effective date:** January 1, 2026 _(verified: appears in the quote below)_
- **Statute citation:** HB 94 _(verified: appears in the quote below)_

## What the source says

> 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

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/).