New York Insurance Law

New York lawmakers passed updates to existing insurance mandates. Learn how this new insurance law impacts people with infertility and cancer patients.


Millions of New Yorkers have a chance of a family. Because of the hard work of RESOLVE advocates and our coalition partners, New York State lawmakers passed major updates to the existing insurance law that would impact people with infertility, those who struggle to build a family, and cancer patients who want to protect their future fertility.

"This is finally recognition that IVF is the standard of care for many who are struggling to build a family. Having New York change its insurance law is going to be a game-changer for the rest of the country.”- Barbara Collura, President/CEO, RESOLVE: The National Infertility Association

So, what does the change to the New York insurance law actually do? Watch while we break it down here in this video.

Just to recap, this new law applies to:

People who get their health insurance from a fully-insured employer who has coverage on the Large Group market controlled by New York State. These are companies with 100 or more employees.

How many cycles are covered?

Three. This new law provides up to 3 IVF cycles, whether it be a fresh embryo transfer or frozen embryo transfer.

What else should I know?

The update provides coverage for medically necessary fertility preservation treatments. Which means infertility caused by a medical intervention such as radiation, medication, or surgery. This means freezing sperm or eggs before those medical procedures. The updated law also prohibits denial of coverage for IVF or fertility preservation because of age, sex, sexual orientation, marital status, and gender identity.

If you are unsure if this law applies to you, open enrollment is a great time to verify these benefits with your HR department or benefits manager. Consider sharing this video to make sure they are aware of these changes.

If you don’t fit in to one of these scenarios please check out our extensive Coverage at Work resources.

Have more questions? Learn more about this new law here  or email

Frequently Asked Questions: