Fertility Treatment Access & Coverage

Current understanding

To be populated as evidence accumulates.

Evidence log

• 2026-07-22 — To provide for certain conditions on the enforcement of surrogacy contracts.: HR9868 introduced to impose conditions on enforcement of surrogacy contracts; distinct from IVF/ART coverage but part of the adjacent assisted-reproduction policy landscape that may indirectly affect intended parents using fertility treatments in surrogacy arrangements. (novelty: 2)
• 2026-07-23 — A bill to protect and expand nationwide access to assisted reproductive technology, including in vitro fertilization.: S5108 introduced in the Senate to protect and expand nationwide access to assisted reproductive technology, including IVF; represents an affirmative federal access/protection approach and a Senate counterpart to earlier House protection bills (e.g., HR9941), contrasting with pending personhood-at-fertilization proposals. (novelty: 3)
• 2026-07-23 — To protect and expand nationwide access to assisted reproductive technology, including in vitro fertilization.: HR9941 introduced in the 119th Congress to protect and expand nationwide access to assisted reproductive technology, including IVF; spans multiple committee jurisdictions and represents an affirmative access/protection approach that contrasts with pending personhood-at-fertilization proposals. (novelty: 3)
• 2026-07-16 — To amend the Internal Revenue Code of 1986 to exempt certain retirement plan distributions used to pay qualified fertility treatment expenses from the early withdrawal tax.: 2026 — HR9753 introduced to amend the Internal Revenue Code to exempt retirement plan distributions used for qualified fertility treatment expenses from the 10% early withdrawal tax, representing a financial-access approach (rather than a coverage mandate or personhood definition) to fertility care affordability. (novelty: 3) (novelty: 3)
• 2026-06-24 — Reproductive Health Care Training Act of 2026: Reproductive Health Care Training Act of 2026 (HR9420, companion S.4878) introduced and referred to House Energy and Commerce; while focused on clinician training rather than personhood/IVF definitions, it is part of the broader 119th Congress cluster of reproductive health access proposals that could shape the workforce available to provide fertility-related care. (novelty: 2) (novelty: 2)
• 2026-03-18 — Reproductive Freedom for Veterans Act: Reproductive Freedom for Veterans Act (HR4876) introduced in 119th Congress and received committee hearings; while focused on VA-provided reproductive healthcare rather than fertility/personhood definitions, it represents a parallel federal effort to expand reproductive services access for a specific population. (novelty: 3)
• 2026-01-15 — Life at Conception Act of 2026: 2026 — Life at Conception Act of 2026 (S3667) introduced in the Senate, extending the recurring personhood-at-fertilization proposal into the 119th Congress; like prior House versions, it contains no explicit IVF carve-out and could implicate embryo creation, storage, and disposition. (novelty: 2) (novelty: 2)
• 2025-01-24 — Life at Conception Act: HR722 (Life at Conception Act, 119th Congress) reintroduced Jan 2025; its fertilization-based personhood definition could subject IVF embryo creation, storage, and disposition to constitutional right-to-life protections, though the bill contains no explicit IVF carve-out. (novelty: 2)

Open questions

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