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HD 2700

An Act relative to modern family building

194th Legislature (2025-2026) Introduced by Jamie Eldridge and 3 co-sponsors

Massachusetts bill mandates insurance coverage for assisted reproductive technologies including IVF to expand family-building access across income levels and family structures.

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Bill Summary · HD 2700

Legislative bill overview

HD 2700 expands access to fertility and family-building services in Massachusetts by requiring insurance coverage for assisted reproductive technologies (ART), including in vitro fertilization (IVF), and establishes protections for individuals and couples pursuing these treatments. The bill also creates requirements for insurance plans to cover fertility preservation services and related diagnostics.

Why is this important

Fertility treatment costs represent a significant financial barrier, with IVF cycles often exceeding $15,000-$20,000 out-of-pocket. This legislation would expand access across socioeconomic groups and potentially increase birth rates among populations currently unable to afford treatment. It also addresses evolving definitions of family by protecting coverage rights for LGBTQ+ individuals and unmarried couples seeking assisted reproduction.

Potential points of contention

  • Insurance cost increases: Mandated fertility coverage could raise premiums for all insurance holders, including those who don't utilize these services, creating equity questions about cross-subsidization
  • Religious and moral objections: Some employers and insurers with religious affiliations may oppose coverage of certain ART procedures, creating exemption/conscience clause debates
  • Definition and scope disputes: Disagreement over which treatments qualify for coverage (egg/sperm freezing, multiple cycles, gestational surrogacy support) and age or medical necessity requirements
  • Regulatory burden: Implementation requires clear definitions of covered services, appeals processes, and oversight mechanisms that states must enforce

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

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