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HB 6047

Insurance: health insurers; coverage for the treatment of infertility; require.

2023-2024 Regular Session Introduced by Jaime Churches

Michigan bill mandates health insurance coverage for infertility treatments, removing financial barriers to fertility care for insured patients but potentially raising premiums.

bill electronically reproduced 11/07/2024
#health:other #health:planning #insurance:healthinsurers
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Bill Summary · HB 6047

Legislative bill overview

HB 6047 would require health insurers in Michigan to cover treatments for infertility. The bill mandates that insurance plans include coverage for fertility treatments and related medical services that are currently often excluded or require high out-of-pocket costs.

Why is this important

Infertility affects approximately 1 in 8 couples of reproductive age, yet fertility treatments like IVF can cost $15,000-$20,000+ per cycle without insurance coverage. Mandating coverage would significantly improve access to treatment for lower and middle-income families and reduce financial barriers to family planning.

Potential points of contention

  • Cost impact: Insurance companies argue mandated coverage increases premiums for all subscribers, including those who may not use fertility services
  • Definition scope: Ambiguity about which treatments qualify (medications, IVF, egg freezing, surrogacy) and coverage limits (number of cycles, age restrictions) could drive debate
  • Religious/philosophical objections: Some employers and insurers oppose coverage on moral or religious grounds, particularly regarding certain fertility procedures
  • Medical necessity debate: Questions about whether infertility should be classified as a medical condition requiring insurance coverage versus an elective procedure

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

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