Sponsors (19)
The bill substantially expands access to and legal protections for fertility treatments and preservation, especially for those facing iatrogenic infertility, but does so at the likely cost of higher insurance and administrative expenses, potential treatment delays from utilization management, and some added enforcement transparency limits.
People with infertility and patients whose medical care risks fertility (e.g., cancer patients facing chemotherapy or radiation) gain mandated coverage for infertility treatments and fertility‑preservation services (including IVF), expanding access to reproductive care.
Patients and providers (including people with disabilities and women) receive parity and protections that prevent insurers from imposing higher cost‑sharing, stricter limits, or penalties/incentives that discourage use or provision of infertility treatments.
Hospitals, health systems, and clinicians benefit from increased federal oversight and greater transparency around utilization management during the initial plan years, which may improve fairness in benefit design and dispute resolution.
Employers and insurance issuers may face higher plan costs that could lead to increased premiums or greater employer contributions, indirectly affecting workers, taxpayers, and small business owners.
Insurers may still apply utilization management tools (e.g., prior authorization) that can delay or complicate timely access to fertility treatments, even though those tools are subject to review requirements.
Smaller employers that offer group plans could incur new administrative and compliance burdens to satisfy documentation, reporting, and HHS corrective processes tied to the mandate.
Based on analysis of 2 sections of legislative text.
Requires group health plans and group-market insurers that cover obstetrical services to cover infertility and iatrogenic infertility treatments, including fertility preservation and ART.
Introduced March 26, 2026 by Zach Nunn · Last progress March 26, 2026
Requires employer group health plans and group market health insurers that already cover obstetrical services to also cover diagnosis and treatment of infertility and iatrogenic infertility, including fertility preservation when medical care (like chemotherapy or surgery) causes or is expected to cause infertility. The law defines key terms (infertility, iatrogenic infertility) and lists assisted reproductive technologies and fertility-preserving services that must be covered; the Secretary will set what constitutes comprehensive coverage after stakeholder consultation.