Requires health plans that already cover obstetrical care to also cover a broad set of fertility treatments, including limits on extra cost‑sharing and restrictions, and prohibits plan practices that discourage or block access to fertility care. The requirement is applied across private group plans and issuers, Federal Employees Health Benefits contracts, TRICARE, the Department of Veterans Affairs (for eligible veterans and spouses/partners), Medicaid state plans and waivers, and Medicare, with program‑specific effective dates, regulatory deadlines, and limited exceptions for collective bargaining and state law timing.