New IVF Insurance Coverage in California

Insurance coverage for fertility care has changed in California. As of 2026, some insurance plans may now include IVF and other fertility services — but coverage varies by plan.

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What is Senate Bill 729?

SB 729 is a California law that expands insurance coverage for fertility care, including IVF, for many patients. The goal is to increase access to fertility treatment by requiring certain health insurance plans to provide coverage.

Beginning January 1, 2026, California law expanded fertility coverage requirements for certain insurance plans. Not all plans qualify, and benefits depend on factors like employer size, plan type, and renewal date.

The best way to understand how this may apply to you is by speaking with our care team.

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Frequently Asked Questions

SB 729 applies to plan years beginning on or after January 1, 2026. Coverage changes do not happen automatically on that date and depend on your insurance plan’s renewal cycle.

SB 729 generally applies to: Large-group employer plans (100+ covered employees) and fully insured plans regulated by the state of California

It does not automatically apply to: Self-funded (ERISA) employer plans, Federal plans (such as TRICARE), or Short-term or limited-benefit plans

Coverage varies by plan but may include Fertility evaluations, IUI, and IVF. Each insurance plan sets its own rules around authorizations, limits, medications, and out-of-pocket costs.

We encourage you to reach out to both your employer/benefits team and insurance provider to confirm when coverage will begin, as timing and specific benefits may vary depending on your plan and renewal schedule.

Senate Bill 729 protects the LGBTQ+ community by expanding the definition of infertility to include those unable to conceive due to medical or nonmedical reasons, like same-sex relationships. It ensures that health insurance plans cover fertility treatments, such as IVF, without requiring proof of a medical infertility diagnosis. This makes fertility care more accessible and equitable for LGBTQ+ individuals and couples who want to build their families.

What are the requirements of SB 729?

Our team breaks down the three key requirements of California’s SB 729 and explains who may qualify for expanded fertility coverage beginning in 2026. Learn what to look for in your insurance plan and what these changes could mean for your care.