Access to Infertility Treatment and Care Act
July 23, 2025
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Where This Stands
Currently in_committee. The next step in the legislative lifecycle is Floor Vote.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →The Frame
If passed, this bill would mandate that health insurance plans covering pregnancy must also pay for infertility treatments and fertility preservation, potentially reducing out-of-pocket costs for patients undergoing medical procedures that threaten their reproductive health.
Potentially affected actors named in the source documents. Mention is not a position.
Health insurance issuers
Must update coverage policies to include infertility treatments and fertility preservation services.
Patients undergoing chemotherapy or radiation
Would gain insurance coverage for fertility preservation services to protect against treatment-induced infertility.
Individuals experiencing infertility
Would gain access to insurance-covered diagnostic and treatment services, including assisted reproductive technology.
Current stage: in_committee.
Floor Vote.
Summary
Key Facts
- Requires group and individual health insurance plans that cover obstetrical services to also cover infertility treatments.
- Mandates coverage for fertility preservation services (e.g., cryopreservation) for patients undergoing medical treatments that may cause iatrogenic (medically induced) infertility.
- Defines infertility as the failure to establish a clinical pregnancy after 12 months of unprotected intercourse, or sooner based on medical history or diagnostic testing.
- Defines assisted reproductive technology to include in vitro fertilization, egg/sperm/embryo cryopreservation, and gestational surrogacy.
- Prohibits cost-sharing (deductibles/coinsurance) for these services that exceeds the cost-sharing applied to similar medical services under the same plan.
- Limits coverage for assisted reproductive technology to cases where the patient is unable to achieve a live birth through less invasive treatments, as determined by a provider.
- Requires that assisted reproductive technology procedures be performed at medical facilities compliant with federal standards.
- Directs the Secretary of Health and Human Services to determine appropriate non-experimental treatments in consultation with professional organizations.
Frequently Asked Questions
Does this bill apply to all health insurance plans?
What is 'iatrogenic infertility'?
Will I have to pay more for these services than other medical procedures?
Why It Matters
If passed, this bill would mandate that health insurance plans covering pregnancy must also pay for infertility treatments and fertility preservation, potentially reducing out-of-pocket costs for patients undergoing medical procedures that threaten their reproductive health.
News Coverage
Bias ratings based on AllSides / Media Bias/Fact Check
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Expansion of Mandated Benefits
The bill seeks to move infertility treatment from an optional or excluded service to a required benefit for plans that already cover obstetrics, mirroring the structure of other essential health benefits.
Connected Entities
Analysis Score
0–100- Significance85How much this matters to a regular citizen
- Controversy60Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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