If you’re researching Covered California fertility coverage in 2025, you’re probably wondering whether fertility treatments—especially IVF—are covered by your plan. With growing conversations around reproductive rights, IVF laws, and insurance mandates, this is a topic more families are asking about.
At Skyline Benefit, we help Californians understand their Covered California options, from health plans to family planning coverage. This blog explains what changes are coming with California Senate Bill 729 (SB 729), and how to plan ahead.
What Fertility Treatments Are Covered Under Covered California in 2025?
As of 2025, Covered California individual and family plans do not require insurers to cover fertility treatments, such as IVF, IUI, or egg freezing. These services are often considered elective and fall outside of essential health benefits.
While some plans may voluntarily offer limited infertility diagnosis or treatments, IVF itself is typically not covered under standard Covered California plans in 2025.
What Is California Senate Bill 729 (SB 729)?
SB 729 is a landmark California law designed to expand access to fertility care throughout the state. Passed in 2023, the bill requires certain fully insured group health plans (both small and large groups) to cover:
- Diagnosis and treatment of infertility (including IVF)
- Up to three completed egg retrievals
- Unlimited embryo transfers, based on clinical guidelines
It also broadens the definition of infertility, ensuring LGBTQ+ individuals, single parents, and others historically excluded under prior definitions now have access to treatment.
Has SB 729 Been Implemented Yet?
No — and this is important.
Although SB 729 passed, its implementation has been delayed until January 1, 2026. Originally scheduled for July 1, 2025, the delay means Californians won’t see these expanded benefits reflected in health plans until 2026.
Does SB 729 Apply to Covered California Plans?
Not entirely.
SB 729 applies to fully insured small and large-group plans—not individual or family plans offered through Covered California. This means that unless you have group coverage from your employer, these fertility benefits will likely not apply to your Covered California plan.
However, many small businesses purchase plans through Covered California for Small Business (CCSB). If your employer uses CCSB, your group coverage may qualify for SB 729 fertility benefits starting in 2026.
Should You Wait Until 2026 to Start Fertility Treatment?
It depends on your personal circumstances.
While expanded insurance coverage is coming, age is one of the biggest factors in fertility success. Delaying treatment could limit your options. Experts recommend consulting with a fertility specialist now to assess your options and plan ahead—whether or not you qualify for insurance coverage today.
How Skyline Benefit Can Help with Covered California Fertility Coverage in 2025
At Skyline Benefit, we specialize in helping Californians navigate insurance changes, including upcoming fertility law updates. Whether you’re seeking a Covered California plan or exploring group coverage that may offer fertility benefits under SB 729, our licensed agents provide guidance at no extra cost.
- Understand your options before the 2026 law takes effect
- Explore group coverage that may offer fertility benefits
- Get expert advice on navigating Covered California enrollment
Need Help Understanding Covered California Fertility Coverage in 2025?
Skyline Benefit is your trusted California health insurance broker, helping individuals, families, and small businesses make informed decisions about their coverage. If you want clarity on Covered California fertility coverage in 2025—or need help planning for the 2026 law—contact us today.
Schedule a consultation today. Call us at: (714) 888-5112