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Mandate to CoverSince 1987
IVF Insurance Coverage in Hawaii
Hawaii mandates IVF coverage for patients who meet specific criteria, making it one of the earlier mandate states.
What the law covers
Hawaii's mandate, in effect since 1987, requires employers with 50+ employees that provide health insurance to include coverage for one IVF cycle. The law was an early step in reproductive healthcare access but has more restrictive requirements than newer mandate states.
Key Provisions
- Requires coverage of one IVF cycle
- Patient must have a 5-year history of infertility
- Applies to employers with 50+ employees
Limitations & Exclusions
- Limited to one IVF cycle
- 5-year infertility history is longer than most mandate states
- Eggs must be fertilized with the spouse's sperm
- Does not apply to small employers