Bill would mandate IVF, infertility coverage in Minnesota

A bipartisan group of Minnesota senators has introduced the Minnesota Building Families Act (SF 1961), which would require most health plans in the state to cover infertility diagnosis and treatment — including in vitro fertilization (IVF) — and standard fertility preservation services, putting a new floor under what Twin Cities residents can expect from their insurance. Sponsored by Sen. Erin Maye Quade (DFL–Apple Valley) with co‑sponsors Sen. Julia Coleman (R–Waconia), Sen. Zach Duckworth (R–Lakeville) and Sen. Alice Mann (DFL–Bloomington), the bill is set for a hearing in the Senate Commerce and Consumer Protection Committee on Thursday. It would mandate comprehensive infertility benefits with coverage for unlimited embryo transfers and up to four completed oocyte retrievals, while prohibiting higher co‑pays, deductibles or coinsurance than what a plan charges for maternity care; surgical reversals of elective sterilization would remain optional for insurers. The proposal also locks the definition of "standard fertility preservation" to clinical guidelines from the American Society for Reproductive Medicine and the American Society of Clinical Oncology, targeting patients whose cancer or other treatments threaten their ability to have children later. With IVF cycles routinely costing up to $30,000 out of pocket — far beyond the modest TrumpRx discount program touted by the White House — this bill would shift a large share of that cost from individual metro families onto the insurance pool if it clears both chambers and Gov. Tim Walz signs it.