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Bill

SB 107

Requiring medical insurance providers to include infertility services in policies

2026 Regular Session

West Virginia requires health insurers to cover infertility diagnosis and treatment, expanding access to fertility services but potentially raising insurance costs for all policyholders.

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WeVote Research Nonpartisan
Bill Summary · SB 107

Legislative bill overview

SB 107 mandates that health insurance providers in West Virginia include coverage for infertility services and treatments in their insurance policies. This would require insurers to cover diagnostic procedures, medications, and assisted reproductive technologies for individuals or couples experiencing infertility.

Why is this important

Infertility affects approximately 10-15% of reproductive-age couples, and fertility treatments can cost $15,000-$20,000+ per cycle without insurance coverage, making them inaccessible to many families. Mandating coverage could significantly expand access to family-building options while potentially increasing overall insurance costs and premiums for all policyholders.

Potential points of contention

  • Cost implications: Insurers argue mandatory coverage increases premiums for all members, including those who never use fertility services, raising equity questions about cross-subsidization
  • Scope ambiguity: Unclear what specific treatments qualify (IVF, egg freezing, surrogacy-related costs) and whether coverage extends to single individuals, unmarried couples, or only married couples
  • Religious and moral objections: Some insurers and employers with religious affiliations oppose coverage of certain reproductive technologies on doctrinal grounds, creating potential conflicts with mandates
  • Medical necessity debate: Disagreement exists over whether infertility is a medical condition versus a personal choice, affecting insurance classification and coverage philosophy

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

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