Insurance Coverage by State

Map Updated: Monday, June 17, 2024

Insurance Coverage:

What States are Covered?

See the map below for states with an infertility insurance law. If your state is included, click on the hyperlinked state name at the bottom of the page for more details about the law and the coverage provided. We have also provided a list of questions to ask your employer to determine if you are covered by your state’s fertility insurance law or if your employer is self-insured and therefore not bound by state insurance laws. If you would like to advocate for new or expanded insurance legislation in your state, please email To advocate for coverage directly with your employer, email

Insurance Coverage By State

Questions to ask your employer:

If you live or work in a state that has an infertility coverage law in place and want to know if you are covered by the state law, you should find out the following from your employer.

Is your plan:

  • Fully-insured or self-insured? Fully-insured plans are required to follow state insurance laws. Self-insured or self-funded insurance plans are exempt from state law and employers do not have to follow the state insurance laws.
  • A “greater than 25” plan, “greater than 50” plan, etc.? In these cases, employers with fewer than a set number of employees do not have to provide coverage if the law specifically excludes employers with a certain number of employees. Coverage in some states may also be limited to the individual, small or large group insurance markets, so check for the type of policies covered by the insurance law and then ask your employer what type of plan you have.
  • Written in the governed state? Generally, the policy must be written and/or reside in the state that has an infertility insurance law.

For more information on employer-provided insurance coverage, follow this link.

Summaries of State Fertility Insurance Laws