Bill > A07175

This bill expands insurance coverage for in vitro fertilization (IVF) by modifying existing insurance laws in New York. Specifically, the bill requires large group insurance policies and individual health insurance policies to provide coverage for three complete oocyte retrievals and unlimited embryo transfers from fresh or frozen oocytes or embryos. The bill defines infertility as the inability to establish a clinical pregnancy after 12 months of regular, unprotected sexual intercourse (or 6 months for females over 35), and mandates that insurers cannot discriminate based on personal characteristics. The legislation also requires coverage for diagnostic tests and procedures related to infertility, such as hysterosalpingogram, hysteroscopy, and semen analysis, and includes prescription drugs approved for infertility treatment. Additionally, the bill ensures that fertility preservation services are covered when medical treatments may cause iatrogenic infertility. The changes will take effect on January 1, 2026, and will apply to policies issued, renewed, or modified on or after that date, ultimately making fertility treatments more accessible and affordable for individuals in New York.

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https://www.nysenate.gov/legislation/bills/2025/A7175