A new executive order seeks to lower in vitro fertilization (IVF) costs and boost access. It directs federal agencies to propose changes within 90 days, but its effects are still uncertain. Understanding how state laws and insurance rules impact IVF helps anyone exploring fertility options.
How state laws affect IVF
State regulations play a significant role in IVF access:
- Insurance rules: Only 22 states, plus Washington, D.C., mandate some infertility coverage. Massachusetts and Illinois lead with substantial IVF benefits.
- Embryo status: Alabama’s 2024 Supreme Court decision calls frozen embryos “children.” This briefly halted IVF services there, proving how state rulings can significantly affect IVF access.
- Surrogacy agreements: California upholds surrogacy contracts, but other states restrict or ban them outright.
Where you live often decides IVF availability and price.
Cost hurdles and insurance gaps
One IVF cycle costs $15,000–$25,000, with most patients needing several rounds. The executive order targets costs, but state policies set today’s prices.
- Employers in mandate states often add fertility perks, cutting personal expenses.
- Medicaid rarely covers IVF, leaving low-income folks stuck.
- 48% of women seeking infertility care—especially those earning under $40,000—struggle to find options in their state.
Knowing your insurance and state rules matters a lot.
Steps to check your options
If IVF’s on your mind:
- Review insurance: Look at coverage caps, eligibility (such as past fertility issues) and approved clinics.
- Study state laws: See if your state caps embryo storage or demands consent for genetic use.
- Ask employers: Many firms in mandate states offer extra fertility help beyond basic plans.
These steps can reveal what choices are available to you.
What’s next?
Federal actions might unify some IVF rules, but state leaders will keep shaping coverage and embryo rights. Lawyers working in reproductive law can help with contracts and insurance or embryo disputes.
As laws shift, tracking local updates empowers you to advocate for family plans. Look into state health resources or fertility groups to see how rules fit your situation for tailored advice.