To protect and expand nationwide access to fertility treatment, including in vitro fertilization.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
The Right to IVF Act creates federal legal protections for access to in vitro fertilization and other fertility treatments. It prevents states from enacting laws that restrict or ban IVF and related reproductive technologies, while requiring most health insurance plans to cover fertility treatment.
Who Benefits and How
Individuals seeking fertility treatment benefit from guaranteed access and insurance coverage for IVF, egg freezing, artificial insemination, and related services. Fertility clinics and healthcare providers gain protection from state restrictions and expanded patient base through insurance mandates. Military service members and veterans receive free or subsidized fertility treatment through DOD and VA. Pharmaceutical companies manufacturing fertility drugs benefit from expanded market demand. Health insurance companies gain regulatory clarity, though face new coverage mandates.
Who Bears the Burden and How
Health insurance companies must cover fertility treatments, increasing their costs and potentially premiums for all policyholders. State governments lose authority to regulate fertility treatment practices within their borders. Taxpayers bear costs of fertility treatment coverage through Medicare, Medicaid, FEHB, and military/VA health systems. Employers with group health plans face higher insurance costs.
Key Provisions
- Creates federal statutory right to provide and receive fertility treatment, preempting state laws
- Requires group health plans, individual insurance, Medicare, and Medicaid to cover fertility treatment
- Mandates DOD provide fertility treatment to service members and their families
- Requires VA to provide fertility treatment to enrolled veterans
- Requires FEHB plans to include fertility treatment benefits for federal employees
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers.
At a Glance
What This Bill Does
Establishes federal statutory rights to access fertility treatment including IVF, preempts restrictive state laws, and mandates insurance coverage for fertility services.
Key Policy Areas
Healthcare, Reproductive Rights, Veterans Affairs, Insurance Regulation, Federal Employees
Primary Purpose
Establishes federal statutory rights to access fertility treatment including IVF, preempts restrictive state laws, and mandates insurance coverage for fertility services.
Policy Domains
Title I - Access to Family Building Act
Identified Gains
Contextual inference, no direct clause citation- Individuals seeking fertility treatment
- Fertility clinics and healthcare providers
- Health insurance issuers
- Drug and device manufacturers
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- State governments
- Anti-abortion advocacy groups
Contextual inference, no direct clause citation
Title II - Veteran Families Health Services Act
Identified Gains
Contextual inference, no direct clause citation- Military service members
- Veterans
- Spouses and partners of service members and veterans
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Department of Defense
- Department of Veterans Affairs
- Taxpayers
Contextual inference, no direct clause citation
Title IV - Family Building FEHB Fairness Act
Identified Gains
Contextual inference, no direct clause citation- Federal employees
- Federal employee family members
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Federal government
- FEHB plan administrators
Contextual inference, no direct clause citation
Title III - Access to Fertility Treatment and Care Act
Identified Gains
Contextual inference, no direct clause citation- Individuals with health insurance
- Medicaid beneficiaries
- Medicare beneficiaries
- Fertility treatment providers
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Health insurance companies
- Employers with group health plans
- State Medicaid programs
- Medicare trust fund
Contextual inference, no direct clause citation
Sponsors
Legislative Progress
IntroducedRead the second time and placed on the calendar
Ms. Duckworth (for herself, Mrs. Murray, Mr. Booker, Mr. Schumer, …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Covered veterans seeking fertility treatment, Employees with employer-sponsored health insurance, Health plan participants and beneficiaries
Department of Defense, Department of Veterans Affairs, Federal employees seeking fertility treatment
Positive-direction: Federal employees seeking fertility treatment
Negative-direction: Department of Defense, Department of Veterans Affairs, Medicare program, Office of Personnel Management, State Medicaid programs, State governments seeking to regulate fertility treatment, State governments with restrictive fertility laws
Cryopreservation and storage facilities, Fertility clinics and IVF providers, Fertility clinics and cryopreservation facilities
FEHB participating insurers, Group and individual health plan sponsors, Group health plans
Military service members, Military service members deploying to combat zones, Military service members with service-related fertility injuries
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "the_secretary"
- → Secretary of Health and Human Services
- "the_attorney_general"
- → Attorney General
- "the_secretary"
- → Secretary of Defense (Subtitle A) / Secretary of Veterans Affairs (Subtitle B)
- "the_secretary"
- → Secretary of Health and Human Services
- "the_director"
- → Director of the Office of Personnel Management
Note: 'The Secretary' refers to Secretary of Health and Human Services in Titles I and III, Secretary of Defense in Title II Subtitle A (sections 200-207), and Secretary of Veterans Affairs in Title II Subtitle B (sections 211-214).
Key Definitions
Terms defined in this bill
Includes preservation of oocytes/sperm/embryos, artificial insemination, assisted reproductive technology including IVF, genetic testing of embryos, fertility medications, and gamete donation.
Medical services, procedures, and practices in accordance with the guidelines of the American Society for Reproductive Medicine.
Any entity or individual engaged in delivering fertility treatment including physicians, nurses, pharmacists, and clinical staff, if properly licensed.
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology