# New York — State insurance mandates for fertility treatment and IVF coverage

For New York, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is 3 IVF cycles; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** New York _(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 IVF cycles
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** 100 _(verified: appears in the quote below)_
- **Self-insured plans exempt:** yes
- **Religious employer exempt:** not stated
- **Prior treatment required:** no _(verified: appears in the quote below)_
- **Effective date:** 2020 _(verified: appears in the quote below)_
- **Statute citation:** not stated

## What the source says

> 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.

## 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/).