Insurers must cover fertility preservation for patients facing chemotherapy

Health insurance; coverage for standard fertility preservation procedures.

Introduced· 2026-01-21

Who's it for

Who's it for: Everyday People

What it means for you

8/10Helps you

Good for everyday people ·

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

This bill forces large employer health plans to pay for egg or sperm freezing for patients facing medical treatments that could make them infertile.

Our take

What we think, in plain words.

Medical treatments like chemotherapy can save a patient's life but destroy their ability to have children. Freezing eggs or sperm is incredibly expensive, and insurance often refuses to pay. This bill forces large health plans to cover these procedures just like any other medical care, giving patients a chance to start a family later. However, it leaves out people who buy their own insurance or work for small businesses.

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The facts

What the bill actually says, no spin.

Forces large employer health plans to cover standard fertility preservation procedures.
Applies to patients with cancer, sickle cell disease, or those facing treatments like chemotherapy that risk their fertility.
Stops insurers from charging higher copays or setting stricter limits for this coverage compared to other medical care.
Exempts insurance plans bought on the individual market or through small employers.