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SF 130

A bill for an act relating to health insurance coverage for infertility.

2025-2026 Regular Session Introduced by Liz Bennett and 10 co-sponsors

SF 130 mandates health insurance coverage for infertility diagnosis, treatment, and preservation, ensuring equitable access and reducing financial barriers for affected individuals.

Subcommittee: Driscoll, Klimesh, and Petersen.
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Bill Summary · SF 130

Summary of SF 130: Health Insurance Coverage for Infertility

Bill Number: SF 130
Introduced On: January 23, 2025
Current Status: Subcommittee: Driscoll, Klimesh, and Petersen
Classification: Bill
Subject Areas: Health Insurance, Medical Care, Infertility, Artificial Insemination, Third-Party Payors

Purpose and Intent

SF 130 aims to enhance health insurance coverage for individuals facing infertility issues. The bill seeks to ensure that policies providing health or medical expense coverage include comprehensive benefits for the diagnosis and treatment of infertility, as well as standard fertility preservation services. This legislation is designed to address the financial barriers many individuals encounter when seeking fertility treatments.

Key Provisions

The bill includes several significant provisions:

  1. Coverage Requirements:

    • Health insurance policies must provide coverage for the diagnosis and treatment of infertility.
    • Coverage must also include standard fertility preservation services, which are defined as procedures consistent with established medical practices.

  2. Specific Treatment Coverage:

    • The bill mandates coverage for up to three completed oocyte retrievals with unlimited embryo transfers in accordance with guidelines from the American Society for Reproductive Medicine (ASRM).
    • The use of single embryo transfer is recommended when medically appropriate.

  3. Fertility Medications:

    • Coverage for fertility medications must be at least as favorable as that for any other prescription medications under the same policy.

  4. Limitations on Coverage:

    • Any deductibles, copayments, coinsurance, benefit maximums, waiting periods, or other limitations for infertility diagnosis and treatment must not be less favorable than those applied to other medical services.

Affected Parties

This bill primarily affects:
- Individuals and couples experiencing infertility who seek medical treatment.
- Health insurance providers, which will need to adjust their policies to comply with the new coverage requirements.
- Healthcare professionals involved in fertility treatments and preservation services.

Procedural Aspects

  • The bill was introduced and referred to the Commerce Committee on January 23, 2025.
  • As of January 27, 2025, it is under consideration by a subcommittee consisting of members Driscoll, Klimesh, and Petersen.

Conclusion

SF 130 represents a significant step towards improving access to infertility treatments through enhanced health insurance coverage. By mandating specific benefits and ensuring equitable treatment of fertility-related medical expenses, the bill aims to alleviate the financial burdens faced by those seeking to build families through assisted reproductive technologies.

Compiled from official sources — confirm details with the bill’s official record.

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