IVF Insurance Coverage in Colorado

What the law covers

Colorado's Building Families Act, effective January 2023, is one of the most inclusive fertility mandates in the country. It requires insurers to cover fertility diagnosis, treatment (including IVF), and fertility preservation without discriminating based on sex, sexual orientation, gender identity, or marital status.

Key Provisions

• Covers up to 3 egg retrievals and unlimited embryo transfers
• Includes fertility preservation for medically necessary reasons
• Non-discriminatory — applies regardless of sexual orientation, gender identity, or marital status
• Covers diagnosis, testing, and standard fertility treatments

Limitations & Exclusions

• Applies to plans issued or renewed after January 1, 2023
• Religious employers may apply for exemption
• Self-insured ERISA plans are exempt from state mandates

Official Resources

• Colorado Division of Insurance
• RESOLVE: Colorado Insurance Coverage