Texas Fertility Insurance Coverage
Mandate to cover / offerOverview of state insurance mandates and fertility coverage requirements for Texas. Applies to fully-insured health plans regulated by the state.
Coverage Summary
| Benefit | Required by State |
|---|---|
| Mandate to offer fertility coverage | Yes |
| Diagnosis coverage | Yes |
| Treatment coverage | Yes |
| IVF included | Yes |
| Fertility preservation included | Yes |
Coverage Details
Texas is primarily a mandate-to-offer state for IVF rather than a broad mandate-to-cover state. Insurance Code Chapter 1366 requires certain insurers to offer infertility/IVF coverage to group policyholders, but the employer generally has to elect that coverage and older statutory eligibility limits can apply when the IVF benefit is purchased. Insurance Code ? 1366.104 separately requires coverage for standard fertility preservation services when cancer treatment may impair fertility. Texas does not create a general Medicaid IVF benefit, religious and issuer exceptions exist in Chapter 1366, and self-funded ERISA plans are generally outside state insurance mandates.
Self-Funded Employer Plans (ERISA)
Source & Dates
- Source:
- KFF State Health Facts
- 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.