Fertility Coverage Mandates by State
From enacted mandates to pending legislation, here's what HR and benefits leaders need to know about state fertility insurance requirements — and how to stay ahead of them.
The IVF mandate landscape is moving faster than most benefit plans can keep up. As of 2026, 25 states have laws requiring at least some level of fertility coverage — and over half of all U.S. states introduced or carried over fertility legislation this session alone.
For HR and benefits leaders managing employees across state lines, this interactive map does the heavy lifting. Use it to track enacted laws, active legislation, and key coverage details — updated as things change.
- Comprehensive fertility
- Partial fertility
- PFML only / Partial + PFML
- Legislation pending
- No mandate
Last updated: July 14th, 2026
Title 1 - D.C. Law 25-49
D.C. Law 25-49 requires state-regulated health insurance plans to cover fertility treatments including the diagnosis and treatment of infertility, in vitro fertilization (IVF) covering at least three complete egg retrievals, unlimited embryo transfers, and fertility preservation. The mandate applies to individual and small group plans on DC Health Link, as well as large employer-sponsored plans.
Fertility Mandate
Comprehensive fertility mandate legislation passed in 2023 and is being phased in. Full IVF coverage requirements take effect for plan years starting 2025.
Fertility Mandate
Comprehensive fertility mandate legislation passed in 2023 and is being phased in. Full IVF coverage requirements take effect for plan years starting 2025.
Paid Family & Medical Leave
Comprehensive fertility mandate legislation passed in 2023 and is being phased in. Full IVF coverage requirements take effect for plan years starting 2025.
Paid Family & Medical Leave
Comprehensive fertility mandate legislation passed in 2023 and is being phased in. Full IVF coverage requirements take effect for plan years starting 2025.
Paid Family & Medical Leave
Comprehensive fertility mandate legislation passed in 2023 and is being phased in. Full IVF coverage requirements take effect for plan years starting 2025.
Click any state on the map to view its fertility mandate and paid family leave details
Go deeper with Maven’s fertility resources
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Update
A new federal rule could reshape how fertility benefits are covered.
The DOL's proposed rule would let employers offer fertility care as a standalone "excepted benefit" — separate from major medical, with a proposed $120,000 lifetime cap.
Maven submitted a formal comment on the proposal, calling for clearer eligibility standards, explicit coverage of virtual care and care management, and benefit design grounded in cost and outcomes data — not just a dollar cap.
What This Means for Your Bottom Line
Whether IVF coverage is mandated in your state or not, unmanaged fertility care carries a real cost — and a managed benefit changes that math. Employers could help reduce IVF utilization 30% and save $9,600 per birth when care is intervened early instead of managed after complications arise. Here's what that impact looks like in practice, and how to build the case internally with your CFO.
Outcomes-Based Fertility Care
See the benefit design that drives lower cost and better results — from no-markup prescriptions to Centers of Excellence.
CFO Q&A: Fertility Benefits Masterclass
The questions Finance actually asks about fertility benefits — answered in plain, budget-ready terms.
The Business Case for Maven
A CFO-ready breakdown of the ROI, savings, and risk mitigation behind a managed benefit.
Not sure where your organization stands? We can help you figure that out.
Adding fertility coverage to stay compliant is the easy part. Managing what happens next — utilization spikes, cost exposure, high-risk pregnancies across 5 states or 45 — is where point solutions fall short.
Maven's fully managed platform is built for exactly that. We help you meet IVF mandate requirements, support employees through every path to parenthood, and keep costs in check — because 30% of Maven members conceive without ever needing treatment, and integrated maternity care drives 27% lower NICU rates and 15% fewer C-sections. That's up to $9,600 in savings per birth, one platform, and a benefit your employees will actually use.
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Maven's fully managed platform is built for exactly that. We help you meet IVF mandate requirements, support employees through every path to parenthood, and keep costs in check — because 30% of Maven members conceive without ever needing treatment, and integrated maternity care drives 27% lower NICU rates and 15% fewer C-sections. That's up to $9,600 in savings per birth, one platform, and a benefit your employees will actually use.