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

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

- **State:** Virginia _(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 cycles per lifetime
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** individual and small group plans (EHB benchmark)
- **Self-insured plans exempt:** yes — explicitly stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** no
- **Effective date:** 2028 _(verified: appears in the quote below)_
- **Statute citation:** VA HB 328 _(verified: appears in the quote below)_

## What the source says

> Virginia Leads with Comprehensive Coverage Mandate Of note, the Virginia General Assembly enrolled legislation ( <https://lis.virginia.gov/bill-details/20261/HB328> VA HB 328 ) that would require the Bureau of Insurance to select a new essential health benefits benchmark plan for the 2028

## Source

- https://www.multistate.us/insider/2026/4/1/state-fertility-coverage-mandates-expand-in-2026-legislative-sessions-ivf-and-assisted-reproductive-technology-laws

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/).