IVF Insurance Coverage in Texas

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

Insurers must OFFER IVF coverage to group employers; employers may decline. Patient must have 5-year infertility history or listed condition. Self-insured plans excluded.

Citation: Tex. Ins. Code § 1366.003

Read the statute

Last verified 2026-04-14.