Michigan bill forces insurers to cover infertility treatments

Insurance: health insurers; coverage for the treatment of infertility; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.

Introduced· 2026-04-23

Who's it for

Who's it for: Everyday People

What it means for you

8/10Helps you

Good for everyday people ·

Cost shift

Plain‑English summary, cross‑checked against the official bill text.

If passed, Michigan health plans would have to pay for all infertility tests and treatments, without extra fees or discrimination.

Our take

What we think, in plain words.

People who want to start a family could finally get help without worrying about high costs, but insurers may raise premiums for everyone.

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The facts

What the bill actually says, no spin.

Insurers must cover fertility diagnostic care, treatment, and preservation services.
Must provide at least four oocyte retrievals and unlimited embryo transfers.
Coverage cannot be denied based on age, gender, race, sexual orientation, or other protected classes.
Insurers cannot add deductibles, copays, waiting periods, or limits only for infertility care.
No pre‑existing condition exclusions or other restrictions for infertility services.
Coverage applies even if a doctor says a treatment is unlikely to succeed.