Sponsors (19)
The bill expands mandated coverage and protections for infertility and fertility‑preservation care—improving access and oversight for patients—but shifts costs and administrative burdens onto employers and insurers, which may raise premiums and leave some low‑income patients facing residual out‑of‑pocket barriers.
People at risk of or experiencing infertility (including those undergoing chemotherapy, radiation, surgery, or other treatments that risk fertility) who are enrolled in group plans that cover obstetrical services gain mandated coverage for infertility diagnosis, treatment, and medically necessary fertility preservation (egg/sperm/embryo cryopreservation), reducing expected out‑of‑pocket costs and
Patients and providers are protected from plan incentives or penalties that could restrict counseling or access to infertility and preservation options, helping preserve clinical decision‑making and patient choice.
Plan transparency and required annual utilization‑management analyses (for five years) increase oversight of denials and coverage practices, which may improve enforcement and reduce inappropriate denials of fertility care over time.
Employers and group plan sponsors (including small and large employers) may face higher premiums or benefit costs to comply with the new mandated coverage, which could translate into higher premium costs for employees or increased employer expenses.
Insurers may still impose utilization management and preauthorization requirements (even though subject to oversight), which could delay time‑sensitive access to fertility preservation before urgent treatments like cancer therapy.
Low‑income participants may continue to face meaningful cost barriers if cost‑sharing for the mandated benefits is set in line with predominant plan cost‑sharing, leaving some patients with significant out‑of‑pocket expenses.
Based on analysis of 2 sections of legislative text.
Requires group health plans and group-market insurers that cover obstetrical services to also cover infertility treatment and fertility preservation for iatrogenic infertility, with definitions and regulatory detail to follow.
Introduced March 26, 2026 by Zach Nunn · Last progress March 26, 2026
Requires group health plans and group-market health insurers that already cover obstetrical services to also cover infertility treatment and fertility preservation when medical care causes or is expected to cause infertility. It defines key terms (infertility, iatrogenic infertility, covered treatments), lists covered services (for example IVF, egg/embryo and sperm cryopreservation, intrauterine insemination, genetic testing), and directs the federal agency head to set details of coverage in consultation with stakeholders. Plans must use facilities that meet applicable federal and state standards; reasonable medical-necessity rules, preauthorization, cost-sharing, and coverage limits may apply as specified by the statute and implementing regulations.