Health Coverage for IVF Act of 2025

HR 3480 would require most health insurance plans in the individual and small group markets to cover fertility treatment and care as an essential health benefit, directly affecting people seeking services like in vitro fertilization (IVF). The bill defines covered services to include IVF, embryo preservation, genetic testing, medications for fertility, and related care, following American Society for Reproductive Medicine guidelines. Insurers must ensure fertility coverage has no stricter cost-sharing or treatment limits than other medical benefits and cannot deny coverage based solely on lack of an infertility diagnosis. It also mandates insurers to report annually on how they apply utilization management tools to fertility care, with oversight by the Comptroller General. The requirements would take effect one year after the bill's enactment.