Bill · H.R. 3480· House(119-HR-3480)
Health Coverage for IVF Act of 2025
- Introduced
- 5/19/2025
- Last activity
- 5/19/2025 — Referred to the House Committee on Energy and Commerce.
- Sponsored by
- Lauren Underwood
- Cosponsors
- - 1 - 0
- Introduced
- In Committee
What this bill would do
This bill, known as the "Health Coverage for Inclusive and Valued Families Act of 2025," seeks to amend the Patient Protection and Affordable Care Act. It aims to include fertility treatment and care as an essential health benefit. The legislation defines fertility treatment to include items such as egg, sperm, or embryo preservation, artificial insemination, and assisted reproductive technology like in vitro fertilization. It also covers genetic testing of embryos, medications, and gamete donation. Additionally, the bill establishes requirements for insurance coverage in the individual or small group market to ensure fair financial and treatment terms.
Yes· 3 of 5
Does this make health care easier to get in general?+8
The bill significantly improves healthcare access by mandating coverage for fertility treatments like IVF and egg preservation.
Does this give people more protection from unfair business practices?+8
The bill provides strong consumer protections by ensuring insurance companies cannot place restrictive limits or higher costs specifically on fertility treatments.
Does this strengthen the Affordable Care Act?+7
The bill expands the essential health benefits under the ACA to include fertility treatment and care.
The opposite
Would business owners be better off under this?-3
The bill imposes new reporting and analysis requirements on health insurance issuers.
Who it would affect, and how
Potential Positive Impacts for People
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Expanded Coverage for Fertility Services: The bill adds "fertility treatment and care" to the list of essential health benefits under the Patient Protection and Affordable Care Act, which includes services like oocyte, sperm, or embryo preservation; artificial insemination; and in vitro fertilization (Section 2, paragraph a).
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Protection Against Unfair Costs: For those in the individual or small group market, the bill ensures that financial requirements for fertility care are no more restrictive than the predominant requirements for medical and surgical benefits, and prohibits separate cost-sharing requirements applicable only to fertility (Section 2, paragraph b, subsection a, 1).
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Protection Against Unfair Treatment Limits: The bill mandates that treatment limitations for fertility care cannot be more restrictive than the predominant treatment limitations applied to other medical and surgical benefits (Section 2, paragraph b, subsection a, 2).
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Elimination of Diagnosis Barriers: Insurance issuers in the individual or small group market are prohibited from denying benefits for fertility treatment and care based on whether an individual has a diagnosis of infertility (Section 2, paragraph b, subsection b).
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Inclusion of Specific Reproductive Technologies: The definition of fertility treatment includes specific coverage for at least 3 complete oocyte retrievals and an unlimited number of embryo transfers (Section 2, paragraph a, 2, C).
Potential Negative Impacts for People
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Reporting and Analysis Burdens: Health insurance issuers that use utilization management tools for fertility treatment must conduct analyses of those tools and submit them to the Secretary and the Comptroller General of the United States for the first five plan years (Section 2, paragraph b, subsection c, 1).
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Increased Oversight for Issuers: The Comptroller General of the United States is required to submit a public report to Congress regarding the analyses submitted by insurance issuers, which includes identifying issuers that failed to submit their required analysis (Section 2, paragraph b, subsection c, 2).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Healthcare
- Improves Healthcare Access+8Increases Affordable Care Act Support+7
- Economy And Finance
- Improves Consumer Protection+8
- Governance And Ideology
- Improves Government Transparency+5
- Demographic And Interest Groups
- Good For Women+7Good For Business Owners-3
- 8/31/2026
- 1 Cosponsor added.
- 5/19/2025
- Referred to the House Committee on Energy and Commerce.
- Introduced in House
Alexandria Ocasio-CortezDemocrat · New York