HOPE with Fertility Services Act

HR 8821, the HOPE with Fertility Services Act, requires group health plans and health insurance issuers that cover obstetrical services to provide comprehensive coverage for infertility treatments and fertility preservation when medical treatments (like cancer therapy) cause or risk iatrogenic infertility. It defines infertility broadly and mandates coverage for procedures like IVF, egg freezing, and ovulation induction, while allowing standard cost-sharing but prohibiting insurers from discouraging or penalizing these services. Insurers must annually submit analyses of their coverage rules for these treatments to the Secretary of Labor for 5 years after enactment, with potential civil penalties for noncompliance. The law applies to all applicable plans starting January 1, 2026.