CITIZEN VOICES® Mandatory fertility coverage?

Feb 15, 2019

Sen. Martha Hennessey is sponsoring a 2019 bill that would require health insurers to cover some fertility treatments and fertility preservation.  

The bill, SB 279, specifically requires coverage for:

  • Diagnosis of the cause of infertility
  • Fertility treatment, if it is medically necessary
  • Fertility preservation prior to surgery, radiation, chemotherapy, or other medical treatment that may cause infertility

The bill would not apply to self-funded employer plans, which are regulated by the federal government.

Seventeen other states – including Massachusetts, Connecticut, and Rhode Island – require some coverage for fertility treatment and/or fertility preservation.  

Arguments for fertility coverage

Supporters of SB 279 note that fertility treatment and preservation are incredibly expensive for patients, while infertility takes a terrible emotional toll. With the average cost of adoption through an agency ranging from $20,000 to $45,000, adoption isn’t an affordable alternative. Lack of insurance coverage for IVF can also push some patients to choose risky multiple births in order to save money, which can result in far more costly medical interventions down the road. 

Arguments against fertility coverage

Opponents of SB 279 argue that any new mandate will disrupt the insurance market and increase costs for consumers.

The Affordable Care Act also requires the state to cover some of those increased costs if it adds a new insurance mandate, so this bill could result in a new cost for taxpayers, as well.

Learn more about the Affordable Care Act health insurance marketplace in New Hampshire 

Should the state require health insurers to cover fertility treatment if it is medically necessary?


Lisa Hardenbrook
- Exeter

Mon, 02/18/2019 - 10:51am

NH is going to see less young people move and take jobs in this state if we are competitive with insurance coverage.

Jill Lacaillade
- Londonderry

Mon, 02/18/2019 - 12:07pm


Jen Sanders
- Derry

Mon, 02/18/2019 - 10:30am


Katie Marble
- Portsmouth

Mon, 02/18/2019 - 9:47am

Yes, this bill should pass. It is an important issue for many in NH and this bill would benefit many.

Christine Hanisco
- Concord

Mon, 02/18/2019 - 9:13am

Yes this bill should pass. Infertility is a disease that impacts 1 in 6 couples. Access to care is needed. This is a workforce issue as anxiety and depression is equivalent to what a cancer patient experiences, and impacts work performance. Coverage would help N.H. attract young people to our state, and help retain those who are here. Preservation coverage is needed as a young person battling illness should still be able to be a parent in the future.

Scott Dodge
- Concord

Mon, 02/18/2019 - 9:13am

Yes, this is an issue experienced by many people in NH and a fundamental human right.

Margaret Langsenkamp
- Exeter

Sun, 03/03/2019 - 11:11pm

Yes #NHresident


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