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IVF Insurance Coverage in Arkansas

Arkansas has an IVF insurance mandate.

Mandate type
Partial mandate
Lifetime cap
$15,000
In effect since
1987

Who the mandate applies to

  • Large-employer plans: Required
  • Small-employer plans: Exempt
  • Individual market: Not required
  • Self-insured employer plans (ERISA): Excluded — federal ERISA preemption applies

Statute and notes

Requires group insurers to cover IVF up to a $15,000 lifetime maximum. HMOs exempt. Small employer (<25) exempt. Self-insured (ERISA) plans excluded.

Citation: Ark. Code § 23-85-137; § 23-86-118

Read the statute

Last verified 2026-04-14.

Fertility clinics in Arkansas

1 reporting clinic (CDC ART 2022).