For many Californians, the high cost of fertility care has been a major barrier to building a family. Senate Bill 729 (SB 729), taking effect in 2026, seeks to change that by requiring many health insurance plans to cover infertility diagnosis and treatment — including IVF and some services related to surrogacy. This new law aims to make modern family-building options more financially accessible and inclusive.

What SB 729 Covers

Beginning January 1, 2026, most large-group insurance plans in California must cover fertility care, including:

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