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IVF Insurance Coverage in Hawaii

Hawaii has an IVF insurance mandate.

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

Read the statute

Last verified 2026-04-14.

Fertility clinics in Hawaii

5 reporting clinics (CDC ART 2022).