Does Insurance Cover Egg Freezing?
Quick overview of state mandates
The map beneath displays each state’s bill name and effective date. Roll over or click a state for details. States are color-coded by tiers: full coverage, iatrogenic-only coverage, or no mandate.[11] That provides the quickest response to ‘does my state require coverage?’.
US fertility-coverage mandates relevant to egg freezing
Click a state with a per-state page to read the detail. Hover or focus a state for the mandate name and source link. Data sourced from RESOLVE state mandate list, KFF state policy database, and the originating state legislative texts.
Sources: RESOLVE state mandate list, KFF coverage tracker, and originating state legislative texts (CA SB 729, GA HB 94, FL state group). Minnesota HF 1758 (Building Families Act) is a proposed bill, still in House committee as of June 2026, and is shown as no enacted mandate. States not shown have no comprehensive mandate as of June 2026 and are treated as the same as "no mandate" for coverage purposes. Tile-grid layout used for clarity at all viewport sizes; not a geographically accurate projection.
Distinguishing elective from medically necessary
| Category | What is usually covered | Reasoning |
|---|---|---|
| Elective (social) freezing | Rarely covered by individual or group plans | Treated as a non-medically-required lifestyle choice. Some employer benefit plans include it. |
| Medically necessary (iatrogenic) | Increasingly covered | Pre-chemo, pre-radiation, gender-affirming care, certain genetic / medical conditions. 25 states plus DC have a mandate. |
State mandate details by location
As of June 2026, any state not shown in the list below has no full infertility coverage mandate. Coverage in those states is provided by employer benefits, health plans for state employees, or self-funded ERISA plans that elect to include it voluntarily.
| State | What the law requires | Covers egg freezing | Who it applies to | Notes |
|---|---|---|---|---|
| Arkansas | Yes (IVF) | Limited | Group plans | |
| California | Yes (SB 729) | Med. necessary | Large group, fully insured | Effective Jan 2026[13] |
| Colorado | Yes (Building Families Act) | Yes incl. medical preservation | Group plans | Effective 2022 |
| Connecticut | Yes | Med. necessary preservation | Group plans | |
| Delaware | Yes | Med. necessary preservation | Group plans | |
| DC | Yes | Med. necessary preservation | Most plans | |
| Florida | Partial | Iatrogenic infertility | State group plans (Jan 2026) | Plans issued/renewed on or after 2026[15] |
| Georgia | Yes (HB 94) | Iatrogenic infertility | State-regulated private | Effective Jan 2026[14] |
| Hawaii | Yes (IVF) | Limited | Group plans | |
| Illinois | Yes | Med. necessary preservation | Group plans of 25+ | 215 ILCS 5/356m[35] |
| Kentucky | Limited | Med. necessary preservation | State employee plan | |
| Louisiana | Yes | Limited | Group plans | |
| Maine | Yes | Med. necessary preservation | Group plans | |
| Maryland | Yes (IVF) | Med. necessary preservation | Group plans | |
| Massachusetts | Yes (strongest) | Yes | All insurers | MGL 175 §47H, since 1987[34] |
| Minnesota | Proposed (HF 1758) | Not yet enacted | Bill in committee | Pending as of June 2026[16] |
| Montana | Limited | Limited | HMO plans | |
| New Hampshire | Yes | Med. necessary preservation | Group plans | |
| New Jersey | Yes | Med. necessary preservation | Group plans 50+ | |
| New York | Yes | Med. necessary preservation | Large group, fully insured | NY Insurance Law §3221[33] |
| Ohio | Limited | Limited | HMO plans | |
| Oklahoma | Limited | Limited | State group | |
| Rhode Island | Yes | Med. necessary preservation | Group plans | |
| Texas | Limited (offer) | No | Must offer (insurer) | Insurer must offer; employers may decline |
| Utah | Yes (IVF) for state employees | Limited | State employee plan | |
| Washington | Limited | No comprehensive mandate | Employer-driven | |
| West Virginia | Limited | Limited | HMO plans |
Sources: RESOLVE state mandate list,[11] KFF coverage tracker,[12] and state legislative texts cited above. Last verified August 2026.
Notable policy shifts arriving in 2026
Starting January 2026, the mandate applies to IVF on fully insured large-group plans and includes up to three retrievals. Direct coverage excludes elective egg freezing, yet medically necessary preservation is included. Additionally, IVF coverage under this mandate extends to LGBTQ+ family building.[13]
From January 2026 onward, state-regulated private insurance plans are required to cover medically necessary freezing of eggs, sperm, and embryos for cases of iatrogenic infertility: infertility brought on by medical treatment. Coverage applies to cancer treatment, gender confirmation, and certain genetic indications.[14]
Starting January 2026, any state group health plan that is issued or renewed must include coverage for fertility preservation when infertility is iatrogenic. This requirement does not apply to private insurance.[15]
As of June 2026, Minnesota has no full fertility-coverage mandate. The Minnesota Building Families Act, which would mandate large group plans (25+ employees) with maternity coverage to cover infertility diagnosis, treatment, and medically necessary preservation, is still in House committee and not law. It is one to watch, not a mandate you can rely on yet.[16]
Common stances among large insurers
- Aetna. Medically necessary preservation generally covered, elective generally not, employer-driven fertility benefit can ride on top of standard benefits.
- BCBS Federal Employee Program and many state plans. One-year storage for iatrogenic infertility, elective preservation generally not covered as standard.
- UnitedHealthcare. Plan-specific. Many large-employer UHC plans now include fertility preservation through partner platforms (Carrot, Progyny). Standard plan coverage of elective egg freezing is rare.
- Cigna. Plan-by-plan with similar pattern. Cigna’s standard medical policy treats medically necessary preservation as eligible; elective preservation is typically excluded outside of employer-fertility-benefit overlays.
Check your specific plan document and call member services to confirm coverage. Insurer policies change each year, and corporate-customized plans differ greatly from standard medical policy.
Employer-sponsored fertility coverage summary
Egg freezing is included in fertility benefits offered by roughly 20% of large US employers.[1] These benefits are usually delivered via third-party platforms like Carrot, Progyny, Maven, WIN Fertility, or Stork Club, rather than being part of the medical plan directly. See employer benefits for the full breakdown and a 12-question HR checklist.
Deciphering your insurance policy
- Find the “fertility”, “assisted reproductive technology (ART)”, or “fertility preservation” section
- Note the lifetime maximum (often $10,000 to $50,000)
- Note whether medications are covered separately under pharmacy benefits
- Note whether storage is covered, and for how long (often year one only)
- Note the prior-authorization requirement (most plans require it)
- Note any age, BMI, or marital-status criteria (some plans still apply these)
Steps to contest a denial
Begin with a first-level appeal. Your submission should include a letter of medical necessity from your reproductive endocrinologist, ASRM relevant practice committee clinical guidelines, and a clear case linking the procedure to the plan’s medical necessity definition. If that is denied, move to second-level review. Additionally, if the plan is fully insured, file with the state insurance commissioner. Self-funded ERISA plans are federally regulated, which curtails state-level appeals. Medically necessary appeals have higher success rates than elective ones; the clinical documentation must contain the term medical necessity.
Using HSA or FSA funds
When a medical necessity component exists, both HSA and FSA dollars can cover the out-of-pocket portion of egg freezing. Under IRS Publication 502, fertility preservation is considered a qualified medical expense.[36] For 2026, HSA contribution limits are $4,400 for self-only and $8,750 for family.[22] Depending on marginal tax rate, pre-tax savings range from 25% to 35%.
Additional resources on insurance coverage
- Employer fertility benefits explainer
- Financing options if not covered
- California (SB 729 detail)
- Georgia (HB 94 detail)
- [11] RESOLVE: The National Infertility Association, “Insurance Coverage by State” (checked April 2026). https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/
- [12] KFF (Kaiser Family Foundation), 2024, “Coverage and Use of Fertility Services in the U.S”. https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/
- [13] California Legislative Information, 2024 (effective Jan 2026), “SB 729: Health care coverage: infertility and fertility services”. https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240SB729
- [14] Georgia General Assembly, 2025 (effective Jan 2026), “HB 94: Insurance coverage for iatrogenic infertility”. https://www.legis.ga.gov/legislation/65404
- [15] Florida Legislature (Chapter 2025-212), became law July 2025, “CS/HB 677: State Group Insurance Program Coverage of Standard Fertility Preservation Services”. https://www.flsenate.gov/Session/Bill/2025/677
- [16] Minnesota Legislature, 2025 bill, in House committee as of June 2026 (not enacted), “HF 1758: Building Families Act, infertility coverage (proposed)”. https://www.revisor.mn.gov/bills/bill.php?b=House&f=HF1758&ssn=0&y=2025
- [33] New York State Department of Financial Services, amended 2020, current 2026, “New York State Insurance Law §3221: Infertility coverage”. https://www.dfs.ny.gov/consumers/health_insurance/infertility_coverage
- [34] Massachusetts Department of Insurance, current 2026, “Massachusetts General Laws Chapter 175 §47H: Infertility coverage”. https://www.mass.gov/lists/division-of-insurance-bulletins
- [35] Illinois General Assembly, current 2026, “Illinois Insurance Code 215 ILCS 5/356m: Infertility coverage”. https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K356m
- [1] FertilityIQ, “The Costs of Egg Freezing” (checked April 2026). https://www.fertilityiq.com/fertilityiq/articles/the-costs-of-egg-freezing
- [36] Internal Revenue Service, 2025 (used for 2026 returns), “IRS Publication 502: Medical and Dental Expenses (fertility treatments)”. https://www.irs.gov/publications/p502
- [22] Internal Revenue Service, 2025, “IRS Revenue Procedure 2025-19, HSA contribution limits for 2026”. https://www.irs.gov/pub/irs-drop/rp-25-19.pdf