Which States Require IVF Insurance Coverage?
Not legal or insurance advice
Each state record links to the source actually reviewed, including KFF, ASRM, or a state-government source. 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.
States with IVF coverage requirements
The reviewed records below identify IVF coverage requirements for qualifying state-regulated plans. Eligibility, employer size, and limits vary. States that only require an offer of coverage are listed separately.
| State or jurisdiction | Coverage | Reviewed |
|---|---|---|
| Arkansas | IVF coverage required | 2026-08-25 |
| California | IVF coverage required | 2026-08-25 |
| Colorado | IVF coverage required | 2026-08-25 |
| Connecticut | IVF coverage required | 2026-08-25 |
| Delaware | IVF coverage required | 2026-08-25 |
| District of Columbia | IVF coverage required | 2026-08-25 |
| Hawaii | IVF coverage required | 2026-08-25 |
| Illinois | IVF coverage required | 2026-08-25 |
| Maine | IVF coverage required | 2026-08-25 |
| Maryland | IVF coverage required | 2026-08-25 |
| Massachusetts | IVF coverage required | 2026-08-25 |
| New Hampshire | IVF coverage required | 2026-08-25 |
| New Jersey | IVF coverage required | 2026-08-25 |
| New York | IVF coverage required | 2026-08-25 |
| Rhode Island | IVF coverage required | 2026-08-25 |
An offer of IVF coverage is required in Texas. This does not mean that every plan includes IVF.
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