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New York · 2025-2026 General Assembly
S05734Expands insurance coverage for in vitro fertilization; includes coverage under individual policies; provides coverage for three complete oocyte retrievals and in vitro fertilization with unlimited embryo transfers.
Direction
Abortionpersonhood ivfAI label
↑Expands abortion accessmodel confidence 90%
Expands insurance coverage for in vitro fertilization procedures and related infertility treatments, including for individual policies, so more financial access to IVF.
Every large group policy delivered or issued for delivery in this state that provides medical, major medical or similar comprehensive-type coverage shall provide coverage for three complete oocyte retrievals and in vitro fertilization used in the treatment of infertility with unlimited embryo transfers from fresh or frozen oocytes or embryos from a covered retrieval.
Why the model tagged it this way: The bill amends multiple sections of the insurance law to expand mandated coverage for IVF and infertility treatments, including adding coverage for individual policies, increasing from limited cycles to three oocyte retrievals with unlimited embryo transfers, broadening diagnostic and prescription drug coverage, and adding anti-discrimination provisions. No provisions address abortion, fetal personhood effects on IVF, transgender issues, firearms, or immigration enforcement.
Related bills
S00690Enacts the "donor-conceived person protection act" to ensure that reproductive tissue banks, licensed by the department of health, collect a=No change to abortion access↓Restricts transgender recognition & access Died (session ended)
S02619Removes restrictions of three-cycle coverage for in vitro fertilization; mandates individual insurance coverage of in vitro.↑Expands abortion access Died (session ended)
A02198Establishes the crimes of assault on a pregnant person in the second degree as a class D felony and assault on a pregnant person in the firs=No change to abortion access↑Expands abortion access Died (session ended)
S03155Relates to health insurance coverage for in vitro fertilization.↑Expands abortion access Died (session ended)