The Health Coverage for IVF Act of 2025 would require health insurance plans to cover fertility treatments and reproductive care as an essential health benefit under the Affordable Care Act. The bill expands coverage to include in vitro fertilization (IVF), egg and sperm preservation, artificial insemination, genetic testing of embryos, fertility medications, and gamete donation, with at least three complete egg retrievals and unlimited embryo transfers covered. The legislation applies to individual and small group health insurance markets and prohibits insurers from denying fertility benefits based on an infertility diagnosis, while ensuring that fertility coverage carries no higher out-of-pocket costs or stricter treatment limits than other medical benefits. Insurance companies would be required to analyze and report to Congress for the first five years (and beyond upon request) how they apply cost controls and restrictions to fertility treatments to ensure compliance with clinical guidelines. The requirements take effect one year after the bill's enactment.
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