IVF Insurance Coverage in California

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

SB 729 requires large group health plans (100+ employees) to cover IVF: up to 3 completed oocyte retrievals with unlimited embryo transfers. Religious employers exempt. Self-insured (ERISA) plans excluded. Medi-Cal not included.

Citation: SB 729 (2024); Cal. Health & Safety Code § 1374.55

Read the statute

Last verified 2026-04-14.