Does California require insurance to cover IVF?

Requires IVF coverage

California has expanded fertility coverage: a newer law requires many large-group plans to cover infertility treatment including IVF, phasing in with conditions.

Phase-in and plan-type conditions apply; verify effective dates.

Source: RESOLVE — Insurance Coverage by State · Last reviewed Nov 1, 2026

This is general information, not legal or insurance advice, and laws change. Confirm current requirements and your own coverage with your plan and your state's insurance department.

Find a clinic in California

See 18 IVF clinics and 32 doctors in California →

Coverage doesn't guarantee a specific clinic is in your plan's network — confirm with the clinic and your insurer.