The Access to Fertility Treatment and Care Act requires health insurance plans that cover obstetrical services to also cover a comprehensive range of fertility treatments, including in vitro fertilization, egg and sperm preservation, fertility medications, and gamete donation, regardless of infertility diagnosis. The bill applies this mandate to private health insurance plans, the Federal Employees Health Benefits Program, TRICARE, Veterans Affairs, Medicare, and Medicaid, with cost-sharing for fertility treatments aligned to other medical services. Plans and providers are prohibited from discriminating against patients or penalizing providers who offer fertility treatments based on protected characteristics. Coverage must begin by January 1, 2026 for Medicare (at 100% cost with no deductibles), October 1, 2026 for Medicaid, and by January 1, 2027 for federal programs, with insurers required to notify participants of new coverage options by those dates.
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