Para crear la "Ley de Cubiertas de Seguros Médicos para Tratamientos de Infertilidad y Preservación de Fertilidad", enmendar los Articulos III y VI de la Ley 72 de 7 de septiembre de 1993, según enmendada, mejor conocida como la "Ley de Ia Administración de Seguros de Salud de Puerto Rico (ASES)", añadir un nuevo Capitulo 55 a la Ley 791-2011,, según enmendada, mejor conocida como el "Código de Seguros de Salud de Puerto Rico" y aclarar la Sección 6 de 1a Ley Núm. 95 de 29 de junio de1963, según enmendada, mejor conocida como la "Ley de Beneficios de Salud para Empleados Públicos" a los fines de requerir cubiertas para los tratamientos de infertilidad asi como preservación de fertilidad y para otros fines relacionados.

2025-2028 Session

Puerto Rico bill requires health insurers to cover infertility treatments and fertility preservation, expanding reproductive healthcare access but increasing insurance costs for all enrollees.

Comisión no recomienda aprobación de la medida

Legislative bill overview

Bill PS 208 would mandate that health insurance plans in Puerto Rico cover infertility treatments and fertility preservation procedures. The bill amends three existing health insurance laws (ASES Law, Health Insurance Code, and Public Employees Health Benefits Law) to establish these coverage requirements across private and public health insurance systems.

Why is this important

Infertility affects an estimated 10-15% of reproductive-age couples, and fertility preservation is increasingly important for individuals facing medical treatments that may affect their ability to have biological children. Currently, many Puerto Rico residents must pay out-of-pocket for expensive procedures like in vitro fertilization (IVF) or egg/sperm freezing, creating significant financial barriers to family planning and reproductive autonomy.

Potential points of contention

Cost implications: Insurance premiums could increase for all policyholders to cover these treatments, affecting those who may never use these services

Scope ambiguity: The bill's definition of covered treatments, age limits, number of cycles covered, and eligibility criteria are not detailed in the title, creating uncertainty about actual costs and access

Religious and ethical concerns: Some stakeholders may object to coverage of certain fertility procedures on moral or religious grounds

Public employee burden: Mandating coverage under the public employees health plan could strain government budgets during fiscal constraints