Health plans required to cover infertility treatment and standard fertility preservation services, medical assistance and MinnesotaCare required to cover infertility treatment and standard fertility preservation services, and money appropriated.

HF 1758 requires all health plans covering maternity benefits in Minnesota to provide comprehensive coverage for infertility diagnosis/treatment and standard fertility preservation services. It applies to private health plans, MinnesotaCare, and medical assistance programs, effective January 1, 2026. The law mandates no cost-sharing beyond what's required for maternity coverage (e.g., no extra deductibles), prohibits benefit limits specific to fertility care, and allows up to four completed oocyte retrievals per year. The state will reimburse health plans for coverage costs that wouldn’t have been provided without this law, using funds appropriated annually. This directly affects Minnesotans seeking infertility care through qualifying health insurance.