IVF Insurance Coverage in Minnesota

What the law covers

Minnesota's fertility mandate requires health plans to cover the diagnosis and treatment of infertility, including IVF, IUI, and fertility preservation. The law is inclusive and does not discriminate based on marital status, sexual orientation, or gender identity.

Key Provisions

• Covers IVF, IUI, and other fertility treatments
• Includes fertility preservation
• Non-discriminatory — available regardless of marital status, orientation, or gender identity
• Applies to individual and group health plans

Limitations & Exclusions

• Self-insured ERISA plans are exempt
• Specific cycle limits may apply
• Plans issued or renewed after January 2025

Official Resources

• Minnesota Department of Commerce
• RESOLVE: Minnesota Insurance Coverage