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Health Coverage: Fertility Treatment as Essential Benefit

This new law aims to include fertility treatment, including IVF, as an essential health benefit covered by insurance. This means insurers cannot deny coverage or impose higher costs for these procedures compared to other medical treatments. The goal is to improve access to fertility care for individuals seeking to start a family.
Key points
Fertility treatment, including in vitro fertilization (IVF), becomes an essential health benefit covered by insurance.
Insurers cannot impose higher costs or limitations on fertility treatment than on other medical procedures.
Benefits cannot be denied based on a lack of infertility diagnosis.
Insurers will be required to report on their utilization management of these benefits.
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Status: Introduced
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Additional Information
Print number: 119_HR_3480
Sponsor: Rep. Underwood, Lauren [D-IL-14]
Process start date: 2025-05-19
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Health Coverage for IVF Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_3480.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-05-19.

What are the main provisions?

Key points include:

  • Fertility treatment, including in vitro fertilization (IVF), becomes an essential health benefit covered by insurance.
  • Insurers cannot impose higher costs or limitations on fertility treatment than on other medical procedures.
  • Benefits cannot be denied based on a lack of infertility diagnosis.
  • Insurers will be required to report on their utilization management of these benefits.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Underwood, Lauren [D-IL-14].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Energy and Commerce.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-22.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Health Family