Health Insurance State Laws:
Fertility Services

This chart highlights the state laws related to health insurance coverage of fertility services, including infertility treatment and fertility preservation. Check back often, as this chart is updated frequently.

If you have a self-funded plan, certain state laws may not apply. For information on how to determine if your plan is self-funded, see our blog post.

For more information, see our Quick Guide to Fertility Preservation and our Cancer Finances Module on Family Building.

StateThese States Have Laws That Require Coverage for Infertility ServicesThese States Have Laws That Require Coverage of Fertility Preservation Services
ALABAMA
ALASKA
ARIZONA
ARKANSASxhttps://law.justia.com/codes/arkansas/2020/title-23/subtitle-3/chapter-85/section-23-85-137/
CALIFORNIAxhttps://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1374.55&lawCode=HSCxhttp://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB600
COLORADOxhttps://law.justia.com/codes/colorado/2022/title-10/article-16/part-1/section-10-16-104/xhttps://law.justia.com/codes/colorado/2022/title-10/article-16/part-1/section-10-16-104/
CONNECTICUTxhttps://www.cga.ct.gov/current/pub/chap_700c.htm#sec_38a-509xhttps://www.cga.ct.gov/2017/TOB/h/2017HB-05968-R02-HB.htm
DELAWARExhttps://delcode.delaware.gov/title18/c035/sc03/index.shtmlxhttp://delcode.delaware.gov/title18/c033/sc01/index.shtml
*DISTRICT OF COLUMBIAx, effective January 1, 2025https://lims.dccouncil.gov/Legislation/B25-0034x, effective January 1, 2025https://lims.dccouncil.gov/Legislation/B25-0034
FLORIDA
GEORGIA
HAWAIIxhttps://law.justia.com/codes/hawaii/2022/title-24/chapter-431/section-431-10a-116-5/
IDAHO
ILLINOISxhttps://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K356mxhttps://www.ilga.gov/legislation/ilcs/documents/021500050K356z.32.htm
INDIANA
IOWA
KANSAS
KENTUCKYx, effective January 1, 2024https://apps.legislature.ky.gov/record/23RS/hb170.html
LOUISIANAx, effective January 1, 2024https://www.legis.la.gov/legis/ViewDocument.aspx?d=1332452
MAINExhttps://legislature.maine.gov/statutes/24-A/title24-Asec4320-U.htmlxhttps://legislature.maine.gov/statutes/24-A/title24-Asec4320-U.html
MARYLANDxhttps://law.justia.com/codes/maryland/2022/insurance/title-15/subtitle-8/section-15-810/xhttps://casetext.com/statute/code-of-maryland/article-insurance/title-15-health-insurance/subtitle-8-required-health-insurance-benefits/section-15-8101-coverage-for-standard-fertility-preservation-procedures#:~:text=(c)%20Except%20as%20provided%20in,are%20medically%20necessary%20to%20preserve
MASSACHUSETTSxhttps://law.justia.com/codes/massachusetts/2022/part-i/title-xxii/chapter-175/section-47h/
MICHIGAN
MINNESOTA
MISSISSIPPI
MISSOURI
MONTANAxhttps://leg.mt.gov/bills/mca/title_0330/chapter_0310/part_0010/section_0020/0330-0310-0010-0020.html
NEBRASKA
NEVADA
NEW HAMPSHIRExhttps://law.justia.com/codes/new-hampshire/2022/title-xxxvii/title-417-g/section-417-g-2/xhttps://law.justia.com/codes/new-hampshire/2022/title-xxxvii/title-417-g/section-417-g-2/
NEW JERSEYxhttps://www.state.nj.us/dobi/pn02_260.htmxhttps://law.justia.com/codes/new-jersey/2019/title-17/section-17-48-6rr/
NEW MEXICO
NEW YORKxhttps://www.nysenate.gov/legislation/laws/ISC/3221xhttps://www.nysenate.gov/legislation/laws/ISC/3221
NORTH CAROLINA
NORTH DAKOTA
OHIOxhttps://codes.ohio.gov/ohio-revised-code/section-1751.01
OKLAHOMA
OREGON
PENNSYLVANIA
*PUERTO RICO
RHODE ISLANDxhttp://webserver.rilin.state.ri.us/Statutes/TITLE27/27-18/27-18-30.htmxhttp://webserver.rilin.state.ri.us/Statutes/TITLE27/27-18/27-18-30.htm
SOUTH CAROLINA
SOUTH DAKOTA
TENNESSEE
TEXASxhttps://statutes.capitol.texas.gov/Docs/IN/htm/IN.1366.htmx, effective January 1, 2024https://capitol.texas.gov/tlodocs/88R/billtext/html/HB01649F.htm
UTAHxhttps://le.utah.gov/xcode/Title26/Chapter18/26-18-S420.htmlxhttps://le.utah.gov/xcode/Title26/Chapter18/26-18-S420.1.html?v=C26-18-S420.1_2021050520210505
VERMONT
VIRGINIA
WASHINGTON
WEST VIRGINIAxhttps://code.wvlegislature.gov/33-25A-2/
WISCONSIN
WYOMING
GUAM
Federal Employee Health BenefitsIn 2023, all Federal Employee Health Plans are required to provide coverage for standard fertility preservation for individuals who may have iatrogenic infertility. In 2024, all Federal Employee Health Plans will also be required to provide coverage for artificial insemination, including the drugs associated with artificial insemination procedures.https://www.opm.gov/healthcare-insurance/healthcare/carriers/2023/2023-04.pdf

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