Fertility Healthcare Coverage
Fertility-related health care is diverse and can include fertility treatment services such as medications to assist in conception, in vitro fertilization (IVF), and other health care. In the United States, however, fertility-related healthcare is often not covered by insurance. As a result, some states have passed laws that require insurers to cover fertility treatment and/or preservation care. But, even when fertility health care is covered by insurance, many states still have definitions of “infertility” or other terms that exclude single people and many LGBTQ people from otherwise covered services. As a result, LGBTQ people may have to spend thousands of dollars in out-of-pocket costs to grow their families, even when these services are covered for other people. These maps track current laws regarding state-mandated coverage of fertility treatment and fertility preservation by both private insurers and state Medicaid programs.
Please note: These maps are not intended to be legal advice or other advice related to health or insurance. Please consult with lawyers or other professionals as needed.
Thank you to GLAD for their partnership in developing these maps.
Recommended citation:
Movement Advancement Project. 2026. “Equality Maps: Fertility Healthcare Coverage.” www.mapresearch.org/equality-map/fertility-healthcare-coverage/. Accessed June 12, 2026.
Percent of Adult LGBTQ Population Covered by Laws
*Note: These percentages reflect estimates of the LGBTQ adult population living in the 50 states and the District of Columbia. Estimates of the LGBTQ adult population in the five inhabited U.S. territories are not available, and so cannot be reflected here.
Fertility-related health care is diverse and can include fertility preservation services, such as egg retrieval and storage. In the United States, however, fertility-related healthcare is often not covered by insurance. As a result, some states have passed laws that require insurers to cover fertility treatment and/or preservation care. But, even when fertility health care is covered by insurance, many states still have definitions of “infertility” or other terms that exclude single people and many LGBTQ people from otherwise covered services. As a result, LGBTQ people may have to spend thousands of dollars in out-of-pocket costs to grow their families, even when these services are covered for other people. These maps track current laws regarding state-mandated coverage of fertility treatment and fertility preservation by both private insurers and state Medicaid programs.
Please note: These maps are not intended to be legal advice or other advice related to health or insurance. Please consult with lawyers or other professionals as needed.
Thank you to GLAD for their partnership in developing these maps.
Recommended citation:
Movement Advancement Project. 2026. “Equality Maps: Fertility Healthcare Coverage.†www.mapresearch.org/equality-map/fertility-healthcare-coverage/. Accessed June 12, 2026.
Percent of Transgender Population Covered by Laws
*Note: These percentages reflect estimates of the transgender population (ages 18+) living in the 50 states and the District of Columbia. Estimates of transgender people in the U.S. territories are not available, and so cannot be reflected here. Population estimates are from The Williams Institute.
