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HD 3095

An Act improving access to infertility treatment

194th Legislature (2025-2026) Introduced by Kevin Honan

Massachusetts bill requiring insurers to cover infertility treatments and medications to reduce financial barriers to fertility care access.

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Bill Summary · HD 3095

Legislative bill overview

HD 3095 would expand insurance coverage for infertility treatments in Massachusetts by requiring health insurers to cover fertility services, medications, and procedures currently excluded or limited. The bill aims to reduce financial barriers that prevent many residents from accessing reproductive treatments like in vitro fertilization (IVF), intrauterine insemination (IUI), and related diagnostic services.

Why is this important

Infertility affects approximately 12% of women of reproductive age, yet many insurance plans exclude or severely limit coverage for fertility treatments, making them accessible primarily to wealthy individuals. This creates significant equity issues, as treatment costs can reach $15,000-$20,000 per cycle, effectively rationing access by income level. Expanded coverage could democratize access to family-building options for middle and lower-income families.

Potential points of contention

  • Insurance cost implications: Insurers may argue expanded coverage will increase premiums for all policyholders, including those who don't use fertility services
  • Scope and limitations: Debate over which treatments should be covered (age limits, number of cycles, donor gamete procedures, surrogacy-related costs)
  • Mandate vs. market approach: Disagreement over whether government mandates are preferable to market-driven solutions or fertility financing options

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

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