Health Coverage for IVF Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Overview
This bill, the Health Coverage for Inclusive and Valued Families Act of 2025, amends the Affordable Care Act to include fertility treatment and care as an essential health benefit. It expands the definition of ‘fertility treatment and care’ to encompass a range of services like egg and sperm preservation, artificial insemination, in vitro fertilization, genetic testing, and medications. The bill also requires health insurance plans to ensure financial and treatment requirements for fertility care are no more restrictive than those for other medical services and prohibits denial of care based on a lack of infertility diagnosis. Finally, it mandates utilization management tool analysis and reporting to ensure equitable access to fertility treatments.
Key provisions
- Fertility treatment and care are designated as an essential health benefit.
- The definition of ‘fertility treatment and care’ is expanded to include various procedures and services.
- Health insurance plans must ensure financial and treatment requirements for fertility care are comparable to other medical benefits.
- Insurance companies cannot deny benefits for fertility treatment based on a lack of infertility diagnosis.
- Health insurers must analyze their utilization management tools for fertility care and submit findings to the Secretary and Comptroller General.
- The Comptroller General will report on issuer compliance with utilization management requirements.
- The bill’s provisions apply to plan years beginning one year after enactment.
Who is affected
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