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

For Minnesota, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is 4 retrievals per lifetime, unlimited embryo transfers; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** Minnesota _(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:** 4 retrievals per lifetime, unlimited embryo transfers
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** 25 _(verified: appears in the quote below)_
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** yes
- **Prior treatment required:** no _(verified: appears in the quote below)_
- **Effective date:** January 1, 2026 _(verified: appears in the quote below)_
- **Statute citation:** HF1758, the Building Families Act _(verified: appears in the quote below)_

## What the source says

> Michigan No fertility insurance mandate here. Coverage is up to individual employers and providers. Minnesota Starting January 1, 2026, Minnesota’s new law ( <https://www.billtrack50.com/billdetail/1851803/.multi-collapse> 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.

## 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/).