Hawaii Fertility Insurance Coverage
IVF coverage requiredOverview of state insurance mandates and fertility coverage requirements for Hawaii. Applies to fully-insured health plans regulated by the state.
Coverage Summary
| Benefit | Required by State |
|---|---|
| Mandate to offer fertility coverage | No |
| Diagnosis coverage | Yes |
| Treatment coverage | Yes |
| IVF included | Yes |
| Fertility preservation included | No |
Coverage Details
Hawaii: private insurance context - Covered: Individual and group insurers, excluding self-insured employers. The existing one-cycle IVF benefit (HRS §431:10A-116.5) carries spouse-sperm/marriage and five-year-infertility-history restrictions. Medicaid context - Covered: Infertility assessment/some diagnostics covered by HMSA, Ohana, and Kaiser Permanente plans; Not Covered: No infertility services covered by Alohacare, HMSA, Kaiser Permanente, Ohana, or UnitedHealthcare Medicaid plans; Benefits vary between Medicaid managed care plans. State mandates vary by market and plan type and generally do not control self-funded employer plans.
Self-Funded Employer Plans (ERISA)
Pending or Future Changes
Source & Dates
- Source:
- KFF State Health Facts
- Data as of:
- 2026-06-10
- Next review:
- 2026-07-15
Disclaimer
This is not legal or insurance advice. Verify coverage directly with your insurer and HR benefits team. Self-funded employer plans (ERISA) are generally exempt from state mandates. Information reflects the reviewed source as of the date noted above and may not reflect recent legislative or regulatory changes.
Pricing and insurance details are compiled from public sources and change frequently — confirm directly with the clinic. Full disclaimer