Millions of California residents are about to get access to in vitro fertilization, or IVF, services in the new year.
As of Jan. 1, 2026, a new law — California Senate Bill 729 — will require some health insurance plans to cover infertility diagnosis and treatment, including IVF.
The law will require some insurance plans to cover infertility treatment as they do basic medical needs. It is described as a “first stepping stone” toward closing the gap between people who want to build families and the high costs that once blocked them.
The bill prohibits discrimination in coverage based on sexual orientation, gender, or marital status. It applies to most small- and large-group insurance plans, with exemptions for some religious employers.
To qualify for this bill, the state mandate requires insurance plans to meet three criteria: they must be fully insured, under a large group plan, and written in California. Though the bill will eliminate most of the costs of infertility diagnosis and treatment, it won’t eliminate all of them.
“Coverage doesn’t mean no patient financial responsibility. The infertility care is still subject to co-pays, deductibles, co-insurance, and out-of-pocket maximums,” said Shannon Taylor, the Insurance Administrator at Reproductive Partners Fertility Center in San Diego.
Patients will still be responsible for co-pays, deductibles, co-insurance, and out-of-pocket maximums, just as with any other healthcare service.
But the mandate won’t cover people who live in California but who have insurance plans written out of state, or people who are on self-funded or self-insured plans. The law also leaves out anyone on smaller employer plans, Medi‑Cal, military coverage, and some others.
But for many patients, the law will turn previously hypothetical or unaffordable options into realistic paths to parenthood.
“So many of them (patients) are already so excited… They’re relieved,” Taylor said.
The fertility treatments covered will include IVF, Intrauterine Insemination (IUI), and Frozen Embryo Transfers (FET). Since IUIs are considered a lower‑intensity first‑line treatment, they are unlimited under the bill.
“If you are successful with one IVF cycle, and you have several embryos available, you can transfer them until they’re gone under this benefit, which is incredible,” Taylor said.
Infertility diagnosis and drugs for IUI, IVF, and FET are also covered if a patient’s plan qualifies. IVF medications stop being covered after the third egg retrieval.
For many, fertility treatment requires multiple attempts for desired results. Having coverage for repeated IUIs and several IVF cycles aligns with real‑world medical needs.
“From my perspective, I think the most significant change this brings is that it restores hope,” Taylor said. “It allows more Californians to hope once they find out that they’re infertile, and it gives them ample opportunities to continue to try to build their family.”
Taylor described one patient who was already sorting through their insurance rules before recognizing her plan would cover infertility treatment in January. She paused her treatment for two months, and decided to restart under the new law. Taylor said her patient broke down in tears over the size of financial relief she received.
Still, Taylor said patients should review their insurance plan details to determine whether they meet the mandate criteria. She also advises patience, as she expects delays and high call volumes as clinics and insurers process an influx of inquiries due to this mandate.
“Do your homework and be patient with the fertility clinics… ” Taylor said. “Educate yourself, but be patient with the people who are here to help you.”
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