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119-hr-3480119th CongressWALLET

Health Coverage for IVF Act of 2025

Sponsored By: Representative Underwood, Lauren [D-IL-14]

Introduced

Summary

Adds fertility treatment and care to the Affordable Care Act's list of essential health benefits. It would require individual and small-group plans to cover a broad set of fertility services and limit extra cost and treatment barriers.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Individual and small-group plans must cover fertility

If enacted, individual and small-group health plans would have to cover fertility treatment and care. Coverage would include IVF; egg, sperm, or embryo freezing; insemination; embryo genetic testing; fertility drugs; and donor services. Plans would need to cover at least three complete egg retrievals and allow unlimited embryo transfers from those retrievals, even if the retrieval happened earlier. You would not need an infertility diagnosis, and plans could not add higher copays or special limits for fertility than for most medical care. These rules would apply to plan years that begin one year after enactment.

Oversight and reports on fertility coverage

If enacted, insurers that use prior authorization or other utilization checks for fertility care would have to analyze and report how they apply them. They would send the analysis to HHS and the Government Accountability Office for each of the first five plan years starting one year after enactment. The GAO would publish summaries to Congress and name insurers that did not submit. This could improve transparency and help enforce the coverage rules.

Sponsors & CoSponsors

Sponsor

Underwood, Lauren [D-IL-14]

IL • D

Cosponsors

  • Rep. Ocasio-Cortez, Alexandria [D-NY-14]

    NY • D

    Sponsored 8/31/2026

Roll Call Votes

No roll call votes available for this bill.

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