This article was last updated in January 2026. Please consult official state guidance or a qualified legal or insurance professional for the most up-to-date information.
Many states require insurance companies to cover part, or all, of fertility care expenses. But this can be very tedious to sift through, and it varies by locale. For anyone even considering fertility testing or treatment, it’s good to know just what’s up in your state.
Can you expect some help on the testing front? What about in vitro fertilization (IVF), are there any mandates for coverage here? So with no further adieu, here’s what you can expect in terms of your state’s fertility insurance:
Alabama
Alabama has seen significant legislative action following the controversial 2024 Supreme Court Ruling. SB 159, for example, focused on protecting IVF providers from liability following the state Supreme Court ruling on embryos. Despite that, the state does not mandate insurance coverage for fertility treatment. Coverage is up to individual employers and providers.
Alaska
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Arizona
No fertility insurance mandate here. Coverage is up to individual employers and providers. The state’s Essential Health Benefits (EHB) plan includes coverage for infertility diagnosis, so all individual and small-group plans must cover at least the diagnostic part.
Arkansas
With Arkansas fertility insurance, you do have some benefits, albeit limited. If you have an individual or group policy that includes maternity benefits, IVF must also be covered, as well as cryopreservation.
But, there is a lifetime cap of just $15,000 here. You also can’t just move right to IVF. First, you must try a less costly fertility approach such as undergoing an intrauterine insemination (IUI). Also, HMO’s and employers who self-insure are exempt.
California
California has one of the most comprehensive fertility insurance mandates in the country. Under Senate Bill 729 (SB 729), large group health plans are required to cover the diagnosis and treatment of infertility, including in vitro fertilization (IVF). The mandate applies to health insurance policies that are new or renewing on or after January 1, 2026.
Additionally, SB 729 explicitly ensures access to fertility benefits for same-sex couples and single individuals, significantly expanding access to reproductive healthcare and aligns with the state’s broader goals of equity and inclusivity in family-building.
Colorado
As of January 1, 2023, Colorado fertility insurance now offers eligibility for three egg retrievals with unlimited embryo transfers covered. This is true provided that your insurance coverage is from a large group of 100 or more people.
Those with individual or small group plans will unfortunately not have access to this coverage. Also, religious organizations, even large ones, are not required to provide fertility coverage.
Connecticut
With Connecticut fertility insurance, diagnosis and treatment of medically necessary infertility expenses must be covered. You may be entitled to up to two cycles of IVF, zygote intrafallopian transfer (ZIFT), or gamete intrafallopian transfer (GIFT), up to four cycles of ovulation induction and up to three cycles of intrauterine insemination.
But, only those who have had coverage under the policy for at least one year will be eligible. Also, if your employer self-insures, they do not have to provide this coverage, or, if they are a religious organization, this is also not mandated.
Delaware
Delaware fertility insurance offers an array of services that includes IVF with eggs, sperm, or embryos from a donor, and even allows for a surrogate or gestational carrier. You are even entitled to six egg retrievals with unlimited embryo transfers.
But there is a hitch. This coverage is restricted to those with iatrogenic infertility, or fertility issues as a result of a medical treatment such as chemotherapy, surgery, or radiation. Also, any egg retrieval must be done before age 45 and any embryos transferred before age 50.
Florida
Under 2025 Florida law, state group health insurance plans issued or renewed on or after January 1, 2026 must cover fertility preservation services but only when a patient faces iatrogenic infertility (infertility caused by medical treatments such as surgery, radiation, or chemotherapy) and storage for up to three years. The mandate applies only to the state group health insurance plan, so self-insured employers are exempt and most private plans in Florida are not required to offer this coverage.
Georgia
Georgia has a limited fertility insurance mandate that focuses on fertility preservation rather than fertility treatment. Under House Bill 94 (HB 94), effective January 1, 2026, state-regulated private insurance plans are required to cover medically necessary egg, sperm, and embryo freezing for patients with iatrogenic infertility undergoing treatments for conditions such as cancer. The mandate includes coverage for up to one year of storage.
The law does not require insurers to cover IVF treatment; instead, it primarily codifies protections around access to IVF.
Hawaii
While you can get some Hawaiian fertility insurance coverage that may be beneficial, it’s limited. You’re entitled to one and only one IVF cycle. That’s for those with a minimum of a five-year history of issues such as endometriosis, blocked or removed fallopian tubes, DES exposure, or male infertility factors.
You also can’t move on to IVF until you’ve tried other covered fertility treatment first. So, if you are eligible, you truly don’t want to give away your shot…
Idaho
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Illinois
With Illinois fertility insurance coverage, provided you have tried lower-cost treatments under your insurance umbrella first without success, you do have coverage for IVF, GIFT, and ZIFT. What’s more, you get four bites at the apple and if you are successful and a live birth occurs, you’re actually entitled to two more covered egg retrievals.
But this only applies to work-related group policies that cover more than 25 full-time employees. There is, however, some additional good news. As of January 1, 2022, this fertility protection extends to same-sex couples and single-women over age 35 who have a medical issue keeping them from getting pregnant.
Indiana
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Iowa
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Kansas
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Kentucky
Kentucky law requires certain health insurance plans to cover fertility preservation for patients at risk of iatrogenic infertility (infertility caused by medical treatments such as surgery, radiation, or chemotherapy). Plans must also cover storage, but only for one year.
Student health plans issued by Kentucky-licensed insurers are included, but religious employers and self-insured employers are exempt. Plans may have age restrictions, a one-time lifetime benefit, and will not help with storage beyond a year.
Louisiana
The Louisiana fertility insurance law provides a fig leaf of coverage. You are only eligible here for diagnosis and treatment if your fertility issues are the result of a correctable medical condition. Even that has exceptions. There is no requirement to cover fertility medication or to offer IVF or even other fertility treatment. Also, if you or your partner have undergone a tubal ligation or vasectomy, any reversal here is on you.
The law does require coverage for standard fertility preservation services but when medically necessary treatment may cause iatrogenic infertility (infertility caused by medical treatments such as surgery, radiation, or chemotherapy). Storage coverage is capped at three years.
If your employer self-insures, then even if you would be eligible otherwise, there’s no requirement that you be covered. Religious employers may also opt out.
Maine
Under 24-A MRSA §4320-S, state-regulated health plans are required to cover fertility diagnostic care and fertility treatment for individuals who qualify as “fertility patients.” Maine’s law defines infertility broadly and inclusively, extending eligibility beyond heterosexual couples to include same-sex couples, unmarried individuals, as well as those at increased risk of passing on serious genetic or chromosomal conditions. Coverage also includes fertility preservation for individuals facing medical treatments or conditions that may impair fertility.
Maryland
With Maryland fertility insurance, you are golden. This insurance offers coverages not only to traditional heterosexual couples, but also same sex couples and unmarried patients. Those who qualify are entitled to undergo three IVF rounds for every live birth. There is, however, a $100,000 lifetime cap here.
But, this coverage is not a requirement for religious employers, those with fewer than 50 employees, or those employers who self insure.
Massachusetts
Massachusetts fertility insurance stipulates that insurers that provide pregnancy-related benefits are also expected to offer coverage for diagnosis and treatment of infertility. This means access to artificial insemination procedures such as IVF and GIFT. It may also include procurement of eggs or sperm, processing and banking for fertilized eggs and sperm. Infertility is clearly defined based on age and time trying to conceive, and a miscarriage does not restart the eligibility clock.
There’s also no state lifetime cap on the amount of fertility insurance available and no limit on the number cycles. But, insurers are able to use their clinical guidelines and patient’s medical histories to set some limits here.
Massachusetts law also requires coverage for fertility preservation services when a medical condition or its treatment may impair fertility.
Michigan
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Minnesota
Starting January 1, 2026, Minnesota’s new law (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. There are limits on egg retrievals (four retrievals per lifetime) and unlimited embryo transfers.
Religious exemptions exist, but generally, coverage for standard fertility services is a requirement in Minnesota for most people.
Mississippi
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Missouri
No fertility insurance mandate here. Coverage is up to individual employers and providers.
Montana
Montana fertility insurance offers some vague help as long as you get your insurance through an HMO (Health Maintenance Organization, a type of health insurance plan known for lower costs and a focus on preventive care). But unfortunately, there’s no definition of infertility that’s given in the law and no description of the type of services that need to be covered. So, it appears to pay only lip service here. Anyone with non-HMO insurance has absolutely no coverage and self-insured employers and religious employers are exempt.
As of 2024, Montana requires most individual and group health insurance policies to cover medically necessary fertility preservation services when an insured person is diagnosed with cancer and treatment may cause iatrogenic infertility (infertility caused by medical treatments such as surgery, radiation, or chemotherapy).
Nebraska
No fertility insurance here. Currently out of luck.
Nevada
No fertility insurance here. Currently out of luck.
New Hampshire
If you have a group policy that offers benefits for medical or hospital expenses, the New Hampshire fertility insurance mandate provides for medically necessary fertility treatment. This includes coverage for evaluations, laboratory testing, and medication. If fertility preservation is needed, such as if you must undergo chemotherapy or radiation treatment, coverage includes both procurement and cryopreservation of reproductive materials such as eggs, sperm, and embryos, and may even include storage for a time.
But experimental infertility procedures are not included. Also, anyone covered through the Small Business Health Options Program (SHOP) or have an Extended Transition to Affordable Care Act-Compliant Policy funded by the state, is not eligible here.
New Jersey
With New Jersey fertility insurance, as long as you are under the age of 46 and have a group policy that includes at least 50 people, with pregnancy-related benefits, you are potentially eligible for a variety of infertility treatments. This includes a menu of items such as up to four IVF cycles with ICSI, GIFT, or ZIFT, as well as use of donor eggs and even the potential to use a gestational carrier or surrogate.
But except in cases where the patient must undergo treatment that puts fertility at risk, such as chemotherapy, cryopreservation is not covered.
Also, there are some exceptions to which insurers must follow the mandate – neither religious employers or those who self-insure are required to provide this coverage.
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. Also, those that include prescription drug coverage must provide medication for the diagnosis and treatment of infertility.
What’s more, it’s now necessary to cover egg freezing for all private insurance companies in medically necessary cases. So, you are eligible if you have a condition such as sickle cell anemia, are undergoing chemotherapy, or are undergoing sex-reassignment surgery.
Those who self-insure are exempt here.
North Carolina
No fertility insurance here. Currently out of luck.
North Dakota
No fertility insurance here. Currently out of luck.
Ohio
Ohio fertility insurance must be covered in cases where this is medically necessary, by HMO’s that offer “basic health services.” But don’t count on coverage for IVF, GIFT, or ZIFT. None of these are legally required.
What you may be covered for includes diagnostic procedures to detect fertility issues, or surgical treatments to correct issues with the reproductive organs such as endometriosis or issues with the fallopian tubes.
Oklahoma
No fertility insurance here. Currently out of luck.
Oregon
No fertility insurance here. Currently out of luck.
Pennsylvania
No fertility insurance here. Currently out of luck.
Rhode Island
The Rhode Island fertility coverage is mandated for all of those with an HMO or other insurance policy that includes pregnancy coverage. Beginning at age 25 and extending up to age 42, women here with such a plan are entitled to coverage for diagnosis and treatment of infertility.
Also, if someone is undergoing a procedure that may result in infertility, insurers must cover fertility preservation treatment. There is, however, a $100,000 lifetime treatment cap.
South Carolina
No fertility insurance here. Currently out of luck.
South Dakota
No fertility insurance here. Currently out of luck.
Tennessee
No fertility insurance here. Currently out of luck.
Texas
With Texas fertility coverage, 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. In instances where such coverage is offered, it only pertains to those who can show that they’ve been infertile for at least 5 years or who have a medical issue such as endometriosis, tubal blockage or removal, or DES exposure.
Also, IVF won’t even be considered until less costly measures, like IUI, have been tried.
Utah
Utah’s fertility coverage involves a pilot program through 2024. This targets those who are on a Public Employee Health Plan. Here, if you have a maternity benefit, then you must likewise be able to receive $4,000 toward a “qualified reproductive technology cycle.” With this, just a single embryo is transferred during a cycle using reproductive technology.
This, however, is not a mandate. The aim of the program is to determine the efficacy of providing this kind of coverage.
Vermont
No fertility insurance here. Currently out of luck.
Virginia
No fertility insurance here. Currently out of luck.
Washington
No fertility insurance. Currently out of luck.
West Virginia
The West Virginia fertility insurance mandate is low on details. While HMOs that offer basic health services are required to cover infertility, what “infertility” actually means here is not defined. All in all, this is way too vague – more clarity needed here.
Wisconsin
No fertility insurance here. Currently out of luck.
Wyoming
No fertility insurance here. Currently out of luck.
When coverage is lacking
If you’re lucky enough to live in one of the 20 states that offers a fertility insurance mandate, that’s, of course, a big win. Still, as you can see, even these can leave you wanting. If your state doesn’t deliver on fertility coverage or if the coverage is, in a word, lacking here, reach out to Resolve: The National Fertility Organization to find out who to contact to lobby for improvements.
