This bill would require health insurance plans to cover fertility treatments and related care as an essential health benefit under the Affordable Care Act. The coverage would include in vitro fertilization, egg and sperm freezing, artificial insemination, genetic testing of embryos, fertility medications, and other fertility-related services regardless of whether a person has been diagnosed with infertility. The requirement would apply to all health insurance plans offered through the ACA marketplace and other regulated plans, affecting millions of Americans seeking fertility services. The bill would take effect one year after it becomes law, giving insurers time to adjust their coverage and pricing. No specific funding is allocated in the legislation, as it operates through existing insurance regulatory mechanisms.
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