Breaking Down California’s SB-729: What It Means for Fertility Care & IVF Coverage

Fertility care is personal, but access shouldn’t be a privilege. With the passage of California’s SB-729, more people may finally have support from their insurance when building their families. 

Let’s break it down. 

What SB-729 Promises 

Beginning in January 2026, many California employers (those with 100+ employees) will be required to offer insurance coverage for fertility treatments. This includes IVF, IUI, egg retrievals, medications, and embryo transfers. This is a major step forward for individuals and couples, including those in the LGBTQ+ community. 

Due to an extension requested by Governor Newsom, full implementation is now expected by January 2026. 

Know the Fine Print

Here’s what to keep in mind: 

• Self-insured employers may not be required to comply with SB-729. That means your company could be exempt. 

• Open enrollment dates matter. You will see your benefits on January 1, 2026 at the earliest, but different plans have different timelines.

• Some state plans may not roll out until 2027. 
   

The best thing you can do now? Contact your HR department and ask if your plan will offer SB-729 fertility benefits and when. 

Don’t Wait on Your Fertility Health

While this legislation brings hope, time matters. Fertility declines with age, and every body is different. 

If you’re feeling stuck, burned out by prior treatments, or wondering if IVF is right for you, now’s the time to get clarity. A consult, a semen analysis, or a simple ovarian reserve test can offer valuable insight - insurance or not. 

We're Here for Your Path Forward 

Our care team is tracking SB-729 and here to guide you through what it means, whether you’re ready to begin now or planning ahead. 

We’re here to listen, educate, and walk with you - no pressure, just partnership. 

Let’s talk about your options →