Puerto Rico Fertility Insurance Coverage

No state mandate

Overview of state insurance mandates and fertility coverage requirements for Puerto Rico. Applies to fully-insured health plans regulated by the state.

Coverage Summary

Benefit	Required by State
Mandate to offer fertility coverage	No
Diagnosis coverage	No
Treatment coverage	No
IVF included	No
Fertility preservation included	No

Coverage Details

Puerto Rico: KFF's November 2025 State Health Facts table does not list a state-level infertility coverage row for this geography. Treat coverage as not identified in the reviewed source and verify with the local insurance regulator before relying on benefits.

Self-Funded Employer Plans (ERISA)

Self-funded employer health plans are generally governed by ERISA and may be exempt from state or territorial insurance mandates; verify benefits with the clinic and insurer.

Source & Dates

Source:: ASRM State Infertility Insurance Laws
Data as of:: 2025-11-30
Next review:: 2026-08-09

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.

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4 clinics listed in Puerto Rico.

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