Women’s Access to Fertility Care Findings from the 2026 KFF Women’s Health Survey Authors: Usha Ranji, Karen Diep, Brittni Frederiksen, Ivette Gomez, and Alina Salganicoff Published: Oct 8, 2026

https://www.kff.org/womens-health-policy/womens-access-to-fertility-care/ The high costs of in vitro fertilization (IVF), limited insurance coverage for fertility services, and intersection with state level abortion laws and fetal personhood policies have brought the issue of access to fertility care into the policy spotlight. President Trump has stated that he wants to make fertility care more affordable and said he would institute an insurance coverage mandate as part of his campaign promises. There is currently no federal requirement for insurance coverage of fertility services, and the Trump administration has not issued a proposal for one. Recently, the Trump Administration advanced a policy that offers a discount on some IVF medications for people without coverage through the TrumpRx website and clarified regulations about insurance options for employers to encourage them provide fertility benefits to those covered in their employer-sponsored health insurance policies. However, the Administration’s actions to date are likely to provide limited assistance for people seeking IVF services who have gaps in coverage and who are struggling to afford the costs. While several states have enacted laws requiring some level of fertility coverage in state-regulated plans, these laws have limited reach and only affect a minority of people with private insurance coverage given that most people with employer coverage are in self-insured plans.