California Mandates IVF Coverage in Health Insurance Plans

Governor Gavin Newsom signs bill requiring large-group health insurers to cover in vitro fertilization and other fertility treatments.

The new law, signed by Gov. Newsom, mandates state-regulated large-group health plans to cover IVF and other infertility treatments starting July 2025.
The law includes coverage for up to three egg retrievals and unlimited embryo transfers, with a lifetime benefits cap of $75,000.
Approximately 9 million Californians will be affected, but the law excludes small group plans, self-funded plans, Medi-Cal, and religious employers.
The bill aims to increase access to fertility services for single individuals and same-sex couples by broadening the definition of infertility.
The legislation has stirred political debate, with Republicans criticizing the cost implications and ethical concerns while Democrats emphasize reproductive freedom.