Employer health plans would have to cover IVF and fertility care starting in 2027

What does this do?

HR 8119 would require employer-sponsored group health insurance plans to cover infertility treatments, including IVF, egg freezing, intrauterine insemination, and ovulation-stimulating medications, if the plan already covers pregnancy and childbirth. The bill also requires coverage of fertility preservation services, such as freezing eggs or sperm, for patients facing infertility caused by medical treatments like chemotherapy, radiation, or major surgery. These requirements would take effect in 2027, with patient notification requirements beginning in 2028.

Who does it affect?

The bill applies to people who receive health insurance through their employer. Insurance companies, plan administrators, doctors, and patients providing or receiving employer-sponsored coverage would all be affected.

Why does it matter?

Insurers and plan administrators would face new coverage mandates and compliance obligations, including annual federal reporting for the first five years and restrictions on how they may manage fertility benefits. Plans found out of compliance would be publicly identified by the government, and patients would gain a legal right to be informed about their fertility coverage options.

What does it cost, and who pays?

• Noncompliance fine: up to $100/day per person
• Applies to insurers found out of compliance
• No broader funding figures specified