# Summary of S. 5108: Right to IVF Act of 2026
This legislation protects and expands access to in vitro fertilization (IVF) and related fertility treatments nationwide. The bill establishes a federal right for individuals to receive assisted reproductive technology (ART) and intrauterine insemination (IUI), while preventing states from imposing restrictions on these services that go beyond medical safety standards. Individuals, healthcare providers, insurance companies, and manufacturers can sue in federal court to challenge state laws that violate these protections, with prevailing plaintiffs entitled to recover attorney's fees.
The bill extends significant fertility benefits to military members and veterans. Active-duty service members can access free ART and IUI treatments, including up to three egg retrievals and unlimited embryo transfers, and can preserve their reproductive material before deployment or hazardous assignments. Veterans enrolled in VA healthcare receive the same fertility treatment coverage, and the Department of Defense and Veterans Affairs must coordinate on these services.
For the broader population, the legislation requires private health insurance plans and Medicare to cover ART and IUI without cost-sharing that exceeds what applies to other medical services. State Medicaid programs must also provide these treatments beginning October 2027. Federal employees' health insurance plans gain fertility coverage as well. The bill takes effect six months after enactment for most provisions, with Medicare coverage starting January 2027 and Medicaid following October 2027.
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