IVF Coverage by State 2026

Arkansas

The state of Arkansas is one of the best states for coverage, as it is mandated for coverage of up to $15,000. The patient and the spouse of the IVF must have a minimum of two years of fertility issues, either infertility associated with a condition such as endometriosis, or unexplained fertility by a medical professional. They may also qualify if the fallopian tubes of the receiving female are blocked or surgically removed. The coverage will not take effect if any of the partners have voluntary service themselves.

In the case of the males, any abnormal factor outside of these parameters is reviewed on a case-by-case basis. Many other unexplainable factors lower fertility in men, which can qualify for up to $15,000 of coverage.

California

California is one of the most progressive states in terms of medicine and healthcare, but this only reflects the state’s tolerance for many of the things that are occurring within this very populous state. Group insurers in the state of California must offer coverage for many types of infertility treatment but do not make IVF mandatory to include. Even so, corporations and other companies still include this in their benefits package to be more competitive with other roles, particularly in the very competitive environment of tech.

Those who opt for IVF coverage can cover diagnostic testing, medication, survey, and diagnosis. Religious institutions can opt out of certain coverage for customary reasons, such as the gamete Intra-fallopian transfer (GIFT), which may not conform to many religious practices.

Connecticut

In the state of Connecticut, those looking for IVF coverage must maintain a policy for a minimum of 12 months to be eligible for the respective coverage. State insurance covers a maximum of four cycles regarding ovulation induction and an additional three cycles of intrauterine insemination. Furthermore, some coverage also extends to two cycles of either IVG, GIFT, or ZIFT, and other methods such as low tubal ovum transfer. The coverage cannot be used if there are more than two embryo implantations per cycle, meaning the additional implants must be covered by the patient.

Delaware

Delaware’s view on IVF mirrors its benefits package as related to pregnancy. This means that the state can cover any infertility treatment as long as the proper process is followed. Consultation, embryo transfer, egg retrieval, medication, and so forth are covered under this plan. Delaware has some of the most comprehensive coverage, and it does not stop there. If the infertility treatment is successful and the embryo attaches - the resulting successful pregnancy also enjoys some state and employer benefits.

Hawaii

The state of Hawaii requires that both group and individual insurers must cover at minimum one cycle of IVF, where the eggs are fertilized only by the spouse’s sperm. In the case that both are infertile, there must be at least a 5-year history of infertility and ineffective treatments before coverage can begin.