Insurance: health insurers; coverage for the treatment of infertility; require.

This bill requires health insurance companies in Michigan to cover infertility treatments starting in 2026. It mandates that policies include diagnostic care, fertility treatments, and standard preservation services, specifically guaranteeing at least four complete egg retrievals with unlimited embryo transfers. The law prohibits insurers from imposing higher deductibles, waiting periods, or preexisting condition exclusions for these services and ensures coverage applies regardless of whether donor gametes are used or if a surrogate is involved. Additionally, the bill defines infertility based on medical assessments and sets standards for clinical guidelines, ensuring decisions are made by licensed healthcare providers without discrimination based on personal characteristics.