Does insurance cover IVF in New York?

IVF coverage mandated

Yes, with a catch — New York law requires large employer plans (100+ employees) to cover IVF. Smaller plans are not required to include it.

What the law says

New York requires large-group plans (100+ employees) to cover 3 IVF cycles; fertility preservation must be covered in all markets.

Statute: N.Y. Insurance Law §3216(13), §3221 · enacted 1990, 2002, 2020

The exemption that matters in every state

Self-insured (self-funded) employer plans are regulated by federal ERISA law, not state law, and are exempt from state coverage mandates. Roughly two-thirds of covered U.S. workers are on self-insured plans — your employer's benefits office can tell you which kind of plan you have.

Fertility clinics in New York

40 New York clinics report outcomes to the CDC's federally mandated registry — every profile shows the same age-stratified live-birth chart. See all clinics in New York.

This page summarizes state law for general information. It is not legal, medical, or insurance advice, and laws change. Confirm current coverage details with your insurer, your employer's benefits administrator, and the statute itself before making decisions. Source: RESOLVE: The National Infertility Association — Insurance Coverage by State. Last reviewed 2026-08-04.