# 119-hr-3480: Health Coverage for IVF Act of 2025

119-hr-3480, Health Coverage for IVF Act of 2025, is a 119th Congress bill sponsored by Rep. Underwood, Lauren [D-IL-14] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-09-02).

- Canonical: https://policyrisk.com/legislation/119-hr-3480
- As of: 2026-09-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3480
- Congress: 119
- Title: Health Coverage for IVF Act of 2025
- Status: introduced
- Introduced: 2025-05-19
- Sponsor: Rep. Underwood, Lauren [D-IL-14] (D-IL)
- Cosponsors: 1
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-09-02

## 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.

## Cosponsors (1)

- Rep. Ocasio-Cortez, Alexandria [D-NY-14] (D-NY), 2026-08-31T00:00:00.000Z

## Provisions PRIA read

- Individual and small-group plans must cover fertility: benefit, high. 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 retrieva…
- Oversight and reports on fertility coverage: benefit, medium. 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…

## Related bills

- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-5361: George Floyd Justice in Policing Act of 2025
- 119-hr-9821: Shared Values Act
- 119-hr-4664: Stop Shackling and Detaining Pregnant Women Act

## Sources
- [119-hr-3480 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3480)

## Related
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [119-hr-9821: Shared Values Act](https://policyrisk.com/legislation/119-hr-9821)
- [119-hr-4664: Stop Shackling and Detaining Pregnant Women Act](https://policyrisk.com/legislation/119-hr-4664)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3480 (as of 2026-09-02).