A bill for an act relating to health insurance coverage for infertility.

This bill requires most health insurance plans in Iowa to cover infertility diagnosis, treatment, and fertility preservation services starting July 1, 2025. It mandates coverage for up to three egg retrieval cycles with unlimited embryo transfers (using single embryo transfer when medically appropriate), and ensures fertility medications are covered at the same level as other prescription drugs. Plans must apply the same deductibles, copays, and benefit limits for infertility care as for other medical services. Religious employers may opt out of this requirement with written notice to employees. The law applies to standard health insurance plans but excludes dental, vision, short-term, and certain other specialized coverage types.