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

For Texas, mandate type is mandate to offer; ivf covered is limited; cycle or retrieval limit is no statutory limit; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** Texas
- **Mandate type:** mandate to offer _(our reading, not quoted from the source)_
- **IVF covered:** limited
- **Cycle or retrieval limit:** no statutory limit
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** all group sizes
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** yes — must try less costly measures first
- **Effective date:** not stated
- **Statute citation:** not stated

## What the source says

> 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

## 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/).