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In a significant move for families seeking assisted reproductive care, California has passed a new law requiring large employers to offer health insurance coverage for in vitro fertilization (IVF) starting in 2025. The bill aims to make fertility treatments more accessible and affordable, addressing the high out-of-pocket costs that have historically made IVF unattainable for many.

For individuals and couples dreaming of expanding their families but facing infertility challenges, IVF offers hope, yet the cost can be a significant barrier. Prior to this law, IVF treatments could exceed $20,000 per cycle, and insurance coverage was often limited or non-existent. With this new mandate, employees of larger companies can now expect insurance plans to cover a portion of these costs, potentially easing the financial burden.

The law is particularly impactful for those who have faced issues getting access to fertility treatments, such as LGBTQIA+ individuals, single parents, and those with medical conditions that affect their fertility. This new law represents a shift toward more equitable access to reproductive care in California.

While the new law is a positive change, there are still considerations to keep in mind. The mandate currently applies only to larger employers, meaning many small business employees may not yet benefit from it. Additionally, insurance plans may vary in what specific IVF-related expenses they cover, for example, certain medications or the number of cycles allowed.

Employers will also need to navigate the complexities of updating their health plans to comply with the new law, and employees should review their benefits packages carefully to understand what is included.

California’s push for IVF coverage reflects a broader societal recognition of diverse family-building journeys. It’s a step that brings the state closer to inclusive reproductive health care, offering more people the opportunity to start or build their families without facing overwhelming financial challenges. As we move toward 2025, this development is one to watch for those considering IVF, and a hopeful sign of more progressive changes to come in the realm of reproductive health! 

As a law firm, we assist clients with all legal aspects of third-party reproduction, contact us today to schedule your consultation.