Access to Fertility Treatment and Care Act

This bill would require health insurance plans that cover obstetrical services to also cover a broad range of fertility treatments, including in vitro fertilization, artificial insemination, embryo preservation, and fertility medications. It mandates coverage regardless of whether a person has been diagnosed with infertility, with cost-sharing (deductibles, coinsurance) limited to the same level as other medical services. The law would apply to employer-sponsored health plans, individual insurance, Medicare, Medicaid, TRICARE, and VA benefits, with implementation deadlines ranging from January 1, 2026 for Medicare to January 1, 2027 for notice requirements. The bill also prohibits plans from discouraging fertility treatment or limiting providers who offer it, while ensuring coverage is provided without requiring individuals to undergo treatment.