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Does insurance cover IVF, IUI or egg freezing? Check by state

Whether a plan covers fertility treatment depends on the state, the type of plan and the employer. We do not summarize statutes ourselves. We point you to ASRM's page for your state and to the questions worth asking your insurer.

Last updated October 22, 2026

What the sources say

ASRM's state-law hub notes that the federal Employee Retirement Income Security Act of 1974 (ERISA) exempts companies that self-insure from state regulation

Source: State and Territory Infertility Insurance Laws (ReproductiveFacts.org (American Society for Reproductive Medicine); page shows no update date; read October 22, 2026).

On insurance, the same fact sheet says Some but not all insurance plans cover elective egg freezing

Source: Can I Freeze My Eggs to Use Later if I'm Not Sick? (ReproductiveFacts.org (American Society for Reproductive Medicine); fact sheet revised 2023; read October 22, 2026).

Sources: State and Territory Infertility Insurance Laws; Can I Freeze My Eggs to Use Later if I'm Not Sick?.

Find your state

Each state page below shows how many clinic listings the directory holds and links to ASRM's page on that state's law. See also ASRM's State and Territory Infertility Insurance Laws hub.

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingWashington, D.C.

Questions to ask your insurer or HR

  • Is my plan fully insured or self-insured (self-funded)? Does the state's fertility law apply to it?
  • Which fertility services are covered: diagnosis, monitoring, IUI, IVF, medications, egg freezing, storage?
  • Are there limits (number of cycles, lifetime dollar caps, age or diagnosis requirements)?
  • Do I need prior authorization, and must I use in-network clinics or a specific pharmacy?
  • Can you confirm the answers in writing, with the plan document section?

Common questions

Does insurance cover IVF?

It depends on your state's law and your specific plan. ASRM maintains a state-by-state page on infertility insurance laws, and notes that the federal ERISA law exempts companies that self-insure from state regulation, so an employer's self-insured plan may not follow your state's rules. Confirm with your plan administrator in writing.

Does insurance cover egg freezing?

ASRM's patient fact sheet says "Some but not all insurance plans cover elective egg freezing". Check your plan's benefits and conditions, and ask separately about medication and storage.

Where can I look up my state's infertility insurance law?

ASRM's ReproductiveFacts.org hosts a page for each state and territory. Use the state links on this page; each one opens ASRM's page for that state. For questions about your state, ASRM points readers to the state's Insurance Commissioner's office.

Related guides

IVF costIUI costEgg freezing costFertility clinics by state and cityMethodology

Not medical advice. Fertility Listings is an informational directory. It does not diagnose, recommend treatment, predict personal outcomes, or replace a licensed fertility specialist. Talk to a qualified clinician about your situation.

Page content last updated October 22, 2026. How we build these pages.