age_restriction stringclasses 5
values | cycle_limit stringlengths 3 134 | derived_fields listlengths 5 5 | effective_date stringclasses 9
values | employer_size_threshold stringclasses 10
values | id stringlengths 4 20 | ivf_covered stringclasses 3
values | lifetime_dollar_cap stringclasses 6
values | mandate_type stringclasses 4
values | prior_treatment_required stringclasses 5
values | religious_employer_exempt stringclasses 9
values | self_insured_exempt stringclasses 9
values | source stringclasses 2
values | source_quote stringlengths 29 1.1k | state stringlengths 4 20 | statute_citation stringclasses 7
values | url stringlengths 68 84 | verified_fields listlengths 1 5 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | arkansas | yes | a lifetime cap of just $15,000 | mandate to cover | you must try a less costly fertility approach such as undergoing an intrauterine insemination (IUI) | not stated | employers who self-insure are exempt | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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... | Arkansas | not stated | https://referencesource.org/state-fertility-insurance-mandates/arkansas/ | [
"lifetime_dollar_cap",
"state"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | January 1, 2026 | large group health plans | california | yes | not stated | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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. | California | Senate Bill 729 | https://referencesource.org/state-fertility-insurance-mandates/california/ | [
"effective_date",
"employer_size_threshold",
"statute_citation"
] |
not stated | three egg retrievals with unlimited embryo transfers | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | As of January 1, 2023 | large group of 100 or more people | colorado | yes | not stated | mandate to cover | not stated | religious organizations, even large ones, are not required to provide fertility coverage | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 th... | Colorado | not stated | https://referencesource.org/state-fertility-insurance-mandates/colorado/ | [
"cycle_limit",
"effective_date",
"employer_size_threshold",
"state"
] |
not stated | up to two cycles of IVF | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | connecticut | yes | not stated | mandate to cover | not stated | if they are a religious organization, this is also not mandated | if your employer self-insures, they do not have to provide this coverage | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 i... | Connecticut | not stated | https://referencesource.org/state-fertility-insurance-mandates/connecticut/ | [
"cycle_limit",
"state"
] |
egg retrieval must be done before age 45 and any embryos transferred before age 50 | six egg retrievals with unlimited embryo transfers | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | delaware | yes | not stated | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 iatro... | Delaware | not stated | https://referencesource.org/state-fertility-insurance-mandates/delaware/ | [
"age_restriction",
"cycle_limit",
"state"
] |
not stated | three rounds of IVF | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | starting in 2025 | not stated | district-of-columbia | yes | not stated | mandate to cover | not stated | not stated | not stated | https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/ | Per DC statute, starting in 2025, plans offered through DC Health Link (the only way to obtain individual/family coverage in DC) and employer-sponsored plans must cover the diagnosis of infertility, three rounds of IVF, and an embryo transfer to a surrogate, if necessary. The plans must also cover fertility preservatio... | District of Columbia | not stated | https://referencesource.org/state-fertility-insurance-mandates/district-of-columbia/ | [
"cycle_limit",
"effective_date"
] |
not stated | N/A | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | January 1, 2026 | state group health insurance plan | florida | no | not stated | preservation only | not stated | not stated | self-insured employers are exempt | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 th... | Florida | 2025 Florida law | https://referencesource.org/state-fertility-insurance-mandates/florida/ | [
"effective_date",
"employer_size_threshold",
"state",
"statute_citation"
] |
not stated | N/A | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | January 1, 2026 | not stated | georgia | no | not stated | preservation only | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 ia... | Georgia | House Bill 94 | https://referencesource.org/state-fertility-insurance-mandates/georgia/ | [
"effective_date",
"state",
"statute_citation"
] |
not stated | one and only one IVF cycle | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | hawaii | yes | not stated | mandate to cover | tried other covered fertility treatment first | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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. ... | Hawaii | not stated | https://referencesource.org/state-fertility-insurance-mandates/hawaii/ | [
"cycle_limit",
"state"
] |
not stated | 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 | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | As of January 1, 2022 | more than 25 full-time employees | illinois | yes | not stated | mandate to cover | tried lower-cost treatments under your insurance umbrella first without success | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 t... | Illinois | not stated | https://referencesource.org/state-fertility-insurance-mandates/illinois/ | [
"effective_date",
"employer_size_threshold",
"state"
] |
Plans may have age restrictions | N/A | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | kentucky | no | not stated | preservation only | not stated | religious employers and self-insured employers are exempt | self-insured employers are exempt | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 chemothe... | Kentucky | not stated | https://referencesource.org/state-fertility-insurance-mandates/kentucky/ | [
"age_restriction",
"state"
] |
not stated | N/A | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | louisiana | no | not stated | diagnosis only | not stated | Religious employers may also opt out | If your employer self-insures, then even if you would be eligible otherwise, there's no requirement that you be covered | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 othe... | Louisiana | not stated | https://referencesource.org/state-fertility-insurance-mandates/louisiana/ | [
"state"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | maine | yes | not stated | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | Maine Under 24-A MRSA §4320-S | Maine | 24-A MRSA §4320-S | https://referencesource.org/state-fertility-insurance-mandates/maine/ | [
"state",
"statute_citation"
] |
not stated | three IVF rounds for every live birth | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | fewer than 50 employees | maryland | yes | $100,000 lifetime cap | mandate to cover | not stated | this coverage is not a requirement for religious employers | those employers who self insure | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 c... | Maryland | not stated | https://referencesource.org/state-fertility-insurance-mandates/maryland/ | [
"cycle_limit",
"employer_size_threshold",
"lifetime_dollar_cap",
"state"
] |
not stated | no limit on the number cycles | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | massachusetts | yes | no state lifetime cap on the amount of fertility insurance available | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 an... | Massachusetts | not stated | https://referencesource.org/state-fertility-insurance-mandates/massachusetts/ | [
"cycle_limit",
"lifetime_dollar_cap",
"state"
] |
not stated | four retrievals per lifetime | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | January 1, 2026 | large group health plans (over 25 employees) | minnesota | yes | not stated | mandate to cover | not stated | Religious exemptions exist | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 unl... | Minnesota | HF1758, the Building Families Act | https://referencesource.org/state-fertility-insurance-mandates/minnesota/ | [
"cycle_limit",
"effective_date",
"employer_size_threshold",
"state",
"statute_citation"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | As of 2024 | not stated | montana | limited | not stated | mandate to cover | not stated | self-insured employers and religious employers are exempt | self-insured employers and religious employers are exempt | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 ... | Montana | not stated | https://referencesource.org/state-fertility-insurance-mandates/montana/ | [
"effective_date",
"state"
] |
not stated | N/A | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | Starting in 2026 | not stated | nevada | no | not stated | preservation only | not stated | not stated | not stated | https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/ | Starting in 2026, Nevada requires coverage of fertility preservation services following a diagnosis of breast or ovarian cancer. This is due to legislation enacted in 2025. | Nevada | not stated | https://referencesource.org/state-fertility-insurance-mandates/nevada/ | [
"effective_date",
"state"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | new-hampshire | yes | not stated | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 under... | New Hampshire | not stated | https://referencesource.org/state-fertility-insurance-mandates/new-hampshire/ | [
"state"
] |
under the age of 46 | up to four IVF cycles | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | at least 50 people | new-jersey | yes | not stated | mandate to cover | not stated | neither religious employers or those who self-insure are required to provide this coverage | neither religious employers or those who self-insure are required to provide this coverage | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 ZIF... | New Jersey | not stated | https://referencesource.org/state-fertility-insurance-mandates/new-jersey/ | [
"age_restriction",
"cycle_limit",
"employer_size_threshold",
"state"
] |
not stated | up to three IVF cycles | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | enacted in 2020 | large group insurance plans of 100 or more | new-york | yes | not stated | mandate to cover | not stated | not stated | Those who self-insure are exempt here | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 cove... | New York | not stated | https://referencesource.org/state-fertility-insurance-mandates/new-york/ | [
"cycle_limit",
"effective_date",
"employer_size_threshold",
"state"
] |
not stated | N/A | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | ohio | no | not stated | diagnosis only | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | North Dakota No fertility insurance here. Currently out of luck. Ohio | Ohio | not stated | https://referencesource.org/state-fertility-insurance-mandates/ohio/ | [
"state"
] |
Beginning at age 25 and extending up to age 42 | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | rhode-island | yes | $100,000 lifetime treatment cap | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 proce... | Rhode Island | not stated | https://referencesource.org/state-fertility-insurance-mandates/rhode-island/ | [
"age_restriction",
"lifetime_dollar_cap",
"state"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | texas | limited | not stated | mandate to offer | IVF won’t even be considered until less costly measures, like IUI, have been tried | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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 y... | Texas | not stated | https://referencesource.org/state-fertility-insurance-mandates/texas/ | [
"state"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | enacted in 2024 | Utah Public Employees' Health Plan | utah | limited | $4,000 per single embryo implant | mandate to cover | not stated | not stated | not stated | https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/ | Utah Utah’s coverage requirement applies only to the 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. | Utah | SB35 | https://referencesource.org/state-fertility-insurance-mandates/utah/ | [
"effective_date",
"lifetime_dollar_cap",
"state",
"statute_citation"
] |
not stated | not stated | [
"ivf_covered",
"mandate_type",
"prior_treatment_required",
"religious_employer_exempt",
"self_insured_exempt"
] | not stated | not stated | west-virginia | limited | not stated | mandate to cover | not stated | not stated | not stated | https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up | 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. | West Virginia | not stated | https://referencesource.org/state-fertility-insurance-mandates/west-virginia/ | [
"state"
] |
State insurance mandates for fertility treatment and IVF coverage
Canonical, always-current version: https://referencesource.org/state-fertility-insurance-mandates/ Machine-readable: https://referencesource.org/state-fertility-insurance-mandates/data.json — this mirror is a point-in-time copy.
- Last verified: 2026-10-27
- Stale after: 2027-02-13 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
- Records: 26
Which US states require private health insurers to cover fertility diagnosis, treatment, or preservation, and the specific terms of each mandate. Each record is one state, stating the mandate type (treatment, preservation only, or offer/cover distinction), which treatments are covered (IVF, GIFT, ZIFT, fertility preservation), cycle or dollar limits, age restrictions, employer-size thresholds, self-insured plan exemption status, religious employer exemption, effective date, and the statute citation. As of 2026, 25 states plus DC require some form of fertility coverage, but the variation is enormous: California (SB 729, effective January 2026) mandates IVF in large group plans with no cycle limit; Arkansas caps lifetime coverage at $15,000 and requires trying cheaper treatments first; Delaware covers six egg retrievals but only for iatrogenic infertility; several states mandate only fertility preservation for cancer patients. Self-insured employer plans (covering ~65% of workers with job-based insurance) are exempt from all state mandates under federal ERISA. Answers 'does my state require insurance to cover IVF', 'how many IVF cycles does my state mandate', 'does the fertility mandate apply to my employer', and 'what are the age limits for mandated fertility coverage in [state]'.
Provenance — what every record carries
Every record carries source (the URL the value was read from) and
source_quote (a verbatim quote from that page stating it). A value you
cannot check against its page is indistinguishable from an invented one;
these can all be checked. Each record is also individually addressable on
the canonical site at its url.
Licence position
State insurance mandate requirements are facts derived from state statutes; not copyrightable. Source pages are patient advocacy sites, benefits broker guides, and legislative trackers that cite the underlying statutes.
Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.
Sources
- https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up
- https://www.healthinsurance.org/faqs/does-health-insurance-cover-ivf-and-other-fertility-treatments/
Fields
See any record in data/records.jsonl — field names are self-describing,
and the canonical page for each record renders them with labels:
https://referencesource.org/state-fertility-insurance-mandates/
- Downloads last month
- 158