IVF Insurance Coverage by State
State mandates can dramatically reduce your out-of-pocket IVF costs. Find out whether your state requires insurers to cover, offer, or stay silent on fertility treatment.
20
Mandate to Cover
States requiring insurers to include IVF coverage
1
Mandate to Offer
States requiring insurers to offer IVF as an option
30
No Mandate
States with no fertility coverage requirement
States That Mandate IVF Coverage
These states require insurers to include fertility treatment coverage in eligible health plans. This is the strongest level of mandate, though plan type, employer size, and eligibility criteria still affect your specific coverage.
Arkansas
Arkansas mandates that insurers cover IVF for patients who meet specific medical criteria, including a history of infertility.
California
California mandates coverage of infertility diagnosis and treatment, including IVF as of 2024 under SB 729.
Colorado
Colorado enacted the Colorado Building Families Act (HB 22-1008), requiring comprehensive fertility coverage including IVF.
Connecticut
Connecticut mandates insurance coverage for medically necessary infertility treatments, including IVF.
Delaware
Delaware mandates IVF coverage under the Delaware Insurance Code, effective 2018.
Hawaii
Hawaii mandates IVF coverage for patients who meet specific criteria, making it one of the earlier mandate states.
Illinois
Illinois has one of the most comprehensive IVF mandates in the country, updated significantly in 2021.
Louisiana
Louisiana mandates coverage of fertility treatments but specifically excludes IVF from the coverage requirement.
Maine
Maine mandates fertility coverage including IVF under its comprehensive family-building insurance law.
Maryland
Maryland mandates IVF coverage for employers with 50+ employees and is one of the most established mandate states.
Massachusetts
Massachusetts has one of the strongest and most comprehensive IVF mandates in the nation, with no lifetime maximums.
Minnesota
Minnesota enacted a comprehensive fertility insurance mandate effective January 2025.
Montana
Montana requires insurers to cover medically necessary infertility treatment as part of its healthcare mandates.
New Hampshire
New Hampshire mandates fertility coverage including IVF under legislation effective 2020.
New Jersey
New Jersey has one of the most comprehensive fertility mandates, covering IVF with generous cycle limits.
New York
New York mandates comprehensive fertility coverage including IVF under legislation effective 2020.
Rhode Island
Rhode Island mandates comprehensive fertility coverage including IVF, effective since 1989.
Utah
Utah mandates fertility coverage for state employees and has enacted broader coverage requirements.
Vermont
Vermont mandates fertility treatment coverage including IVF under comprehensive healthcare legislation.
West Virginia
West Virginia mandates coverage of infertility treatments as part of its healthcare requirements.
States That Mandate Insurers Offer IVF Coverage
In these states, insurers must make IVF coverage available as an option, but employers are not required to purchase it. Check with your employer to see if they've opted in.
States With No Fertility Mandate
These states do not require private insurers to cover or offer fertility treatments. Coverage depends entirely on your employer's plan or individual policy.
Alabama
Alabama does not have a state mandate requiring private insurers to cover or offer fertility treatment, including IVF.
Alaska
Alaska has no state mandate for fertility treatment coverage. Residents rely on employer-provided benefits or self-pay options.
Arizona
Arizona does not mandate infertility insurance coverage but has a growing number of employer-sponsored plans that include fertility benefits.
District of Columbia
No Mandate
Florida
Florida does not mandate fertility treatment coverage, though it does require coverage of certain related diagnostic services.
Georgia
Georgia has no state mandate for infertility insurance coverage. Residents rely on employer-provided benefits or self-pay.
Idaho
Idaho does not mandate fertility treatment coverage. Residents typically self-pay or seek employer-sponsored benefits.
Indiana
Indiana does not mandate infertility insurance coverage. Access depends on employer-provided plan benefits.
Iowa
Iowa does not have a state mandate requiring fertility treatment coverage but is home to the University of Iowa's nationally recognized fertility program.
Kansas
Kansas does not mandate fertility treatment coverage by private insurers.
Kentucky
Kentucky has no state mandate requiring fertility treatment coverage.
Michigan
Michigan does not mandate fertility treatment coverage by private insurers.
Mississippi
Mississippi has no state mandate for fertility treatment coverage.
Missouri
Missouri does not mandate fertility treatment coverage, though advocacy efforts are ongoing.
Nebraska
Nebraska does not mandate fertility treatment coverage by private insurers.
Nevada
Nevada does not mandate fertility treatment coverage by private health insurers.
New Mexico
New Mexico does not mandate fertility treatment coverage by private insurers.
North Carolina
North Carolina does not mandate fertility treatment coverage, though advocacy continues.
North Dakota
North Dakota has no state mandate for fertility treatment coverage.
Ohio
Ohio does not mandate fertility treatment coverage, though some state employee plans include it.
Oklahoma
Oklahoma has no state mandate for fertility treatment coverage.
Oregon
Oregon does not have a comprehensive fertility treatment mandate, though advocacy efforts are active.
Pennsylvania
Pennsylvania does not mandate fertility treatment coverage by private insurers.
South Carolina
South Carolina does not mandate fertility treatment coverage.
South Dakota
South Dakota has no state mandate for fertility treatment coverage.
Tennessee
Tennessee does not mandate fertility treatment coverage by private insurers.
Virginia
Virginia does not mandate fertility treatment coverage by private insurers.
Washington
Washington does not have a comprehensive fertility treatment mandate, though legislation is under discussion.
Wisconsin
Wisconsin does not mandate fertility treatment coverage by private insurers.
Wyoming
Wyoming has no state mandate for fertility treatment coverage.
Know your real cost even without coverage
Whether your state mandates coverage or not, our cost calculator shows transparent, all-in IVF pricing tailored to your state and age.