San Diego, December 27, 2025
Starting January 1, 2026, Senate Bill 729 will require large group health insurance plans in California to cover infertility diagnosis and treatment, including IVF. This legislation aims to increase accessibility and affordability for families facing infertility challenges. With expanded coverage provisions, the law supports social equity in healthcare, while fostering innovation in the fertility treatment sector. As providers adapt, California’s healthcare landscape is expected to evolve, benefiting both individuals and local economies.
New California Law Expands Fertility Treatment Coverage
Senate Bill 729 aims to make IVF and infertility services accessible for more Californians starting January 1, 2026.
San Diego, California – Starting January 1, 2026, Senate Bill 729 (SB 729) will mandatorily require large group health insurance plans to cover infertility diagnosis and treatment, including in vitro fertilization (IVF). This legislative move has the potential to reshape the landscape for California families struggling with infertility, making advanced medical options more accessible and affordable. As local entrepreneurs and businesses adapt to this evolving market, the hope is that reduced barriers will also foster economic growth in healthcare sectors.
The bill, signed by Governor Gavin Newsom on September 29, 2024, seeks to address ongoing financial challenges that many Californians face in accessing fertility treatments. Historically high costs have often placed these vital services out of reach for those needing support to start a family. By enhancing coverage requirements, SB 729 not only promotes social equity in healthcare but also encourages entrepreneurial innovation within the fertility treatment sector. This shift demonstrates a commitment to fostering a supportive environment for family growth, reflecting the resilience and determination characteristic of California’s citizens.
Key Provisions of Senate Bill 729
SB 729 introduces several significant provisions designed to increase access to infertility services:
- Mandatory Coverage: Large group health plans covering 100 or more employees must provide coverage for infertility diagnosis and treatment, including IVF services. This encompasses up to three completed egg retrievals and unlimited embryo transfers, in line with guidelines from the American Society for Reproductive Medicine (ASRM).
- Expanded Definition of Infertility: The law broadens the definition of infertility to include all individuals and couples who cannot conceive without medical intervention, covering same-sex couples, unpartnered individuals, and those with conditions affecting fertility.
- Cost Parity: Insurers are prohibited from charging higher copayments, deductibles, or costs for fertility services compared to other medical services, promoting equitable access to care.
- Exemptions: The mandate will not apply to self-funded or level-funded employer plans and specific plans offered by religious organizations or certain government programs, like Medi-Cal managed care health plans.
Implementation Timeline
The law’s implementation has been postponed to January 1, 2026, allowing health plans enough time to adapt their offerings. Plans under the California Public Employees’ Retirement System (CalPERS) will not begin coverage until July 1, 2027. It is advisable for individuals to review their health plan details to understand how these changes may impact their coverage in the coming years.
Impact on Californians Seeking Fertility Treatments
The enactment of SB 729 is expected to offer considerable relief to individuals and couples navigating the often overwhelming costs associated with fertility treatments. By mandating coverage for IVF and other related services, the new law aims to create a more inclusive environment for family-building options.
Increased affordability and accessibility can also drive growth in local healthcare services, encouraging investment in clinics and professionals specializing in this vital area. As healthcare operations expand to meet new demand, the San Diego region stands poised to benefit from increased jobs and new economic opportunities tied to the fertility treatment industry.
Staying Informed
Residents should remain engaged with their health insurance providers and workplace human resources departments to ensure they are informed about any changes to their coverage as SB 729 approaches implementation. Taking proactive steps will help individuals and couples to fully leverage the expanded fertility services mandated by the new law.
Frequently Asked Questions (FAQ)
What is Senate Bill 729 (SB 729)?
SB 729 is a California law that requires large group health insurance plans to cover infertility diagnosis and treatment, including in vitro fertilization (IVF), starting January 1, 2026.
Which health plans are affected by SB 729?
The law applies to large group health plans covering 100 or more employees. Small group plans (fewer than 100 employees) must offer infertility coverage but are not required to include it in their standard offerings.
What treatments are covered under SB 729?
Covered treatments include infertility diagnosis and services, such as IVF, with up to three completed egg retrievals and unlimited embryo transfers, following ASRM guidelines for single embryo transfer when medically appropriate.
Are there any exemptions to SB 729?
Yes, self-funded or level-funded employer plans, plans offered by religious organizations, and certain government programs like Medi-Cal managed care health plans are exempt from this mandate.
When will SB 729 take effect?
The law is set to take effect on January 1, 2026, for most large group health plans. For plans offered by CalPERS, coverage will begin on July 1, 2027.
Key Features of Senate Bill 729 (SB 729)
| Feature | Description |
|---|---|
| Mandatory Coverage | Large group health plans must cover infertility diagnosis and treatment, including IVF services, starting January 1, 2026. |
| Expanded Definition of Infertility | Includes individuals and couples unable to conceive without medical intervention, encompassing same-sex couples and unpartnered individuals. |
| Cost Parity | Insurers cannot impose higher copayments or deductibles for fertility services compared to other medical services. |
| Exemptions | Does not apply to self-funded or level-funded employer plans, plans offered by religious organizations, and certain government programs like Medi-Cal managed care health plans. |
| Implementation Timeline | Coverage becomes effective on January 1, 2026, for most large group health plans; CalPERS coverage begins on July 1, 2027. |
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