Modifies provisions relating to assisted reproductive technology

HB 3244 requires most health insurance plans covering over 25 employees to include infertility treatment coverage starting January 1, 2027. This includes in vitro fertilization (IVF), embryo transfer, artificial insemination, and egg freezing for cancer patients. Plans must cover these services only after less expensive infertility treatments are tried, limit IVF cycles to four retrievals (with exceptions), and require clinics to meet medical standards. Religious organizations and entities with religious objections are exempt from these coverage requirements. The bill directly affects insurers, employers, and patients seeking infertility care.