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Fertility Insurance Coverage by State

Not legal or insurance advice

This data is sourced primarily from KFF State Health Facts (as of November 2025) and the ASRM for territories not covered by KFF. Coverage summaries describe state-regulated fully-insured plans only. Self-funded employer plans governed by ERISA are generally exempt from state mandates and may not provide these benefits even in mandate states. Always verify coverage directly with your insurer and HR benefits team before making treatment decisions.

AlabamaAL
No state mandate

7 clinics

AlaskaAK
No state mandate

1 clinic

ArizonaAZ
No state mandate

15 clinics

ArkansasAR
IVF coverage required

2 clinics

CaliforniaCA
Mandate to offer IVF

111 clinics

ColoradoCO
IVF coverage required

14 clinics

ConnecticutCT
IVF coverage required

8 clinics

DelawareDE
IVF coverage required

3 clinics

District of ColumbiaDC
IVF coverage required

3 clinics

FloridaFL
No state mandate

39 clinics

GeorgiaGA
Diagnosis coverage only

17 clinics

HawaiiHI
IVF coverage required

6 clinics

IdahoID
No state mandate

1 clinic

IllinoisIL
IVF coverage required

33 clinics

IndianaIN
No state mandate

9 clinics

IowaIA
No state mandate

2 clinics

KansasKS
No state mandate

5 clinics

KentuckyKY
Treatment coverage

4 clinics

LouisianaLA
Diagnosis coverage only

4 clinics

MaineME
IVF coverage required

1 clinic

MarylandMD
IVF coverage required

15 clinics

MassachusettsMA
IVF coverage required

10 clinics

MichiganMI
Diagnosis coverage only

12 clinics

MinnesotaMN
Diagnosis coverage only

6 clinics

MississippiMS
No state mandate

3 clinics

MissouriMO
No state mandate

10 clinics

MontanaMT
Treatment coverage

1 clinic

NebraskaNE
Diagnosis coverage only

2 clinics

NevadaNV
No state mandate

6 clinics

New HampshireNH
IVF coverage required

2 clinics

New JerseyNJ
IVF coverage required

22 clinics

New MexicoNM
Diagnosis coverage only

2 clinics

New YorkNY
IVF coverage required

52 clinics

North CarolinaNC
No state mandate

12 clinics

North DakotaND
No state mandate

1 clinic

OhioOH
Treatment coverage

11 clinics

OklahomaOK
Diagnosis coverage only

4 clinics

OregonOR
No state mandate

5 clinics

PennsylvaniaPA
No state mandate

29 clinics

Puerto RicoPR
No state mandate

4 clinics

Rhode IslandRI
IVF coverage required

1 clinic

South CarolinaSC
No state mandate

4 clinics

South DakotaSD
No state mandate

1 clinic

TennesseeTN
No state mandate

9 clinics

TexasTX
Mandate to offer IVF

63 clinics

UtahUT
IVF coverage required

6 clinics

VermontVT
No state mandate

2 clinics

VirginiaVA
No state mandate

21 clinics

WashingtonWA
No state mandate

14 clinics

West VirginiaWV
Treatment coverage

2 clinics

WisconsinWI
No state mandate

7 clinics

WyomingWY
No state mandate