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

For Utah, mandate type is mandate to cover; ivf covered is limited; cycle or retrieval limit is 1 single embryo implant; lifetime dollar cap is $4,000; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** Utah _(verified: appears in the quote below)_
- **Mandate type:** mandate to cover _(our reading, not quoted from the source)_
- **IVF covered:** limited
- **Cycle or retrieval limit:** 1 single embryo implant
- **Lifetime dollar cap:** $4,000 _(verified: appears in the quote below)_
- **Age restriction:** none stated
- **Employer size threshold:** Utah Public Employees' Health Plan
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** no
- **Effective date:** 2024 _(verified: appears in the quote below)_
- **Statute citation:** SB35 _(verified: appears in the quote below)_

## What the source says

> Utah Utah&#8217;s coverage requirement applies only to the >https://www.pehp.org/< Utah Public Employees’ Health Plan . This was previously a pilot program, scheduled to sunset at the end of 2024, but it was made permanent by Utah SB35, enacted in 2024. 35 The program provides an indemnity benefit of $4,000 per single embryo implant.

## Source

- https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/

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/).