IVF Insurance Coverage in Hawaii
Hawaii has an IVF insurance mandate.
US IVF next steps
Use Hawaii coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Hawaii IVF guideCosts, clinics, insurance and success-rate context for Hawaii.Compare Hawaii clinicsUse published fees with CDC outcome data before contacting clinics.Check insurance rulesState mandates, ERISA self-insured exclusions and employer-plan checks.Compare payment routesFinance, refund programs, multi-cycle packages and employer benefits.Check success ratesCompare age-band outcomes alongside price and access.
Also useful: IVF cost by state and true cost analysis.
- Mandate type
- Partial mandate
- IVF cycles covered
- 1
- In effect since
- 1987
Who the mandate applies to
- Large-employer plans: Required
- Small-employer plans: Required
- Individual market: Not required
- Self-insured employer plans (ERISA): Excluded — federal ERISA preemption applies
Statute and notes
One-time-only outpatient IVF benefit. Patient must have 5-year infertility history or specified medical condition. Self-insured plans excluded.
Citation: Haw. Rev. Stat. § 431:10A-116.5
Last verified 2026-04-14.
Fertility clinics in Hawaii
5 reporting clinics (CDC ART 2022).
- Fertility Institute of Hawaii — Honolulu
- Pacific In Vitro Fertilization Institute — Honolulu
- Advanced Reproductive Center of Hawaii — Honolulu
- IVF Hawaii — Honolulu
- Tripler Army Medical Center IVF Institute — Tripler AMC