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Fertility—a human right worthy of mandated insurance coverage: the evolution, limitations, and future of access to care
Open accessAbstract
We review the history, current status, and potential future of state infertility mandates and focus on the business implications of mandates and on the inadequacies and reproductive injustice resulting from gaps between legislative intent and practical implementation. Nineteen states have passed laws that require insurers to either cover or offer coverage for infertility diagnoses and treatment. The qualifications for coverage, extent of coverage, and exemptions vary drastically from one state to another, resulting in deficiencies in access to care even within mandated states for certain groups, such as single individuals, patients in same-sex relationships, and patients pursuing fertility preservation. Although insurance coverage of fertility services in the United States has expanded as an increasing number of states have enacted infertility mandates, significant gaps in implementation and access remain even among states with existing mandates. Provider, patient, and legislative advocacy is warranted in the name of reproductive justice to expand insurance coverage and, in turn, maximize reproductive outcomes, which have been shown to improve as financial barriers are lifted.
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It is essential to compare similar metrics when assessing ART utilization.
“It is essential to compare similar metrics when assessing utilization (Adashi and Dean, 2016; Dyer et al., 2020; Kawwass et al., 2021; Beroukhim et al., 2022).”
From Declining global fertility rates and the implications for family planning and family building: an IFFS consensus document based on a narrative review of the literature (2024) · cites this paper as Kawwass et al., 2021
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Boedeker, D., Hunkler, K., Lindner, P. G., Phillips, K., Hill, M., Plowden, T., & Cole, R. (2024) · Military Medicine · doi:10.1093/milmed/usae327 · Cited by 1
Addressing reproductive healthcare disparities: strategies for achieving health equity
Moridi, I. (2023) · Clinical Journal of Obstetrics and Gynecology · doi:10.29328/journal.cjog.1001128 · Cited by 6
Male same-sex couples and surrogate motherhood: at a crossroads
Molina-Ricaurte, C. J., & Buelvas, J. E. T. (2022) · Ius et Praxis · doi:10.4067/s0718-00122022000300155 · Cited by 1
Bioethics in the adversities of access to infertility treatment
Oppenheimer, D., Caldas, C. P., Rêgo, F., & Nunes, R. (2024) · Revista Bioética · doi:10.1590/1983-803420243672en · Cited by 1
“Infertility treatment is thus considered a human rights issue, but in practice its inclusion as mandatory coverage often depends on justifications 25 .”
We Are Family: Queer and Transgender Family Building
Gess, J. M., Wolff-Tseng, N., Phelps, K., & Morley, M. (2024) · Journal of Counseling Sexology and Sexual Wellness · doi:10.34296/05012003 · Cited by 1
“Specifically, insurance will not cover assisted reproduction for individuals which do not meet the outdated definition of “infertility” as defined in the previous section (Kawwass et al., 2021; World Health Organization, 2018).”
Soofi, M., Matin, B. K., Mahaki, B., Alipoor, Z., & Karyani, A. K. (2026) · Risk Management and Healthcare Policy · doi:10.2147/rmhp.s652104
“6,13 These issues are particularly relevant in Iran.”
Vachlova, O. S., & Roslaya, N. A. (2026) · Medicine and health care organization · doi:10.56871/mhco.2026.36.13.005
Stanford, J. B., Harris, E., Najmabadi, S., & Smith, K. R. (2026) · Frontiers in Reproductive Health · doi:10.3389/frph.2026.1856175
Yu, L. X., & McGowan, M. (2026) · Current Obstetrics and Gynecology Reports · doi:10.1007/s13669-026-00462-4
The California infertility insurance mandate: another step toward reproductive justice?
Quaas, A., & Adashi, E. (2025) · American Journal of Obstetrics and Gynecology · doi:10.1016/j.ajog.2025.10.014
Self-citationAssisted reproductive technology utilization for cancer survivors: how we can do better.
Hupy, E., Khan, Z., Ainsworth, A., & Shenoy, C. C. P. (2025) · Journal of the National Cancer Institute · doi:10.1093/jnci/djaf101
Impact of native language on the pursuit of fertility care
Almquist, R. G., Young, M. R., Genet, M., & Hipp, H. S. (2025) · Reproductive BioMedicine Online · doi:10.1016/j.rbmo.2025.105055
Countering stigma and misconceptions associated with infertility
Shrivastava, S. R., Bobhate, P., & Nair, N. (2025) · Asian Pacific Journal of Reproduction · doi:10.4103/apjr.apjr_14_25
Informed consent in assisted reproductive technology: Implications for pediatric clinicians
Graham, M., Blee, S. M., Pentz, R., Roebuck, E. H., Hoon, A., & Black, M. (2024) · Developmental Medicine & Child Neurology · doi:10.1111/dmcn.16189
“24 As a result, patients may be willing to take on additional risk to decrease the number of additional cycles they will pay for.”
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Validation of prognosis-based in vitro fertilization grant selection criteria
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“Even in mandated states, coverage is not universal (4).”
BackgroundDesigning and implementing state-level fertility preservation health insurance benefit mandates
Flores, R. E., Yoeun, S. W., Mesina, O., Kaiser, B., McMenamin, S. B., & Su, H. I. (2021) · medRxiv · doi:10.1101/2021.06.13.21258849
“To date, patients, advocates, healthcare providers, medical societies and policymakers have championed these laws, but the effectiveness of this health policy intervention in increasing access to FP services is unknown.(4-11) Healthcare providers in states with benefit mandate laws have experienced significant variati…”
BackgroundBioética en las adversidades del acceso al tratamiento de infertilidad
Oppenheimer, D., Caldas, C. P., Rêgo, F., & Nunes, R. (2024) · Revista Bioética · doi:10.1590/1983-803420243672es
“Por lo tanto, el tratamiento de la infertili - dad se considera una cuestión de derechos humanos, pero, en la práctica, su inclusión como cobertura obli - gatoria depende a menudo de una justificación 25 .”
Bioética nas adversidades do acesso ao tratamento de infertilidade
Oppenheimer, D., Caldas, C. P., Rêgo, F., & Nunes, R. (2024) · Revista Bioética · doi:10.1590/1983-803420243672pt
“O tratamento de infertilidade é, portanto, considerado uma questão de direitos humanos, mas, na prática, sua inclusão como cobertura obrigatória geralmente depende de justificativas 25 .”
Metadata
- Authors
- Kawwass, J. F., Penzias, A. S., & Adashi, E. Y.
- Affiliations
- Emory University (US)
- Beth Israel Deaconess Medical Center (US)
- Brown University (US)
- Corresponding author
- Kawwass, Jennifer F.
- Venue
- Fertility and Sterility
- Publisher
- Elsevier BV
- Published
- 2021-01
- Volume
- 115
- Issue
- 1
- Pages
- 29-42
- ISSN
- 0015-0282 (ISSN-L)
- OpenAlex
- W3111517682
- Cited by
- 94
- References
- 0
- Citations by year
- 2026: 4 · 2025: 20 · 2024: 25 · 2023: 20 · 2022: 18 · 2021: 7
- FWCI
- 1.67
- Type
- journal article
- Language
- en
- Open access
- bronze
- doi.org
- Licence
- Locations
- Fertility and Sterility (publishedVersion)
- PubMed (publishedVersion)
- Topics
- Health Sciences › Medicine › Reproductive Medicine › Reproductive Health and Technologies
- Health Sciences › Medicine › Public Health, Environmental and Occupational Health › Reproductive Health and Contraception
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Healthcare Policy and Management
- Keywords
- health insurance coverage, infertility treatment, reproductive justice, access to fertility care, state legislation, fertility preservation, same-sex couples, single people, financial barriers to care
- MeSH terms
- Sexual and Gender Minorities, Female, Fertility, Health Services Accessibility, Humans, Infertility, Insurance, Health, Male, Pregnancy, United States, Insurance Coverage, Mandatory Programs, Reproductive Rights, History, 21st Century
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