We have received text from H.R. 4648: Access to Fertility Treatment and Care Act. This bill was received on 2025-07-23, and currently has 3 cosponsors.
Here is a short summary of the bill:
The Access to Fertility Treatment and Care Act is designed to expand health insurance coverage for various fertility treatments. The key points of the bill are as follows:
Health Insurance Coverage Requirements
Health insurance plans that provide obstetrical services will be required to also cover fertility treatments. The treatments covered include:
- Preservation of human oocytes, sperm, or embryos.
- Artificial insemination methods, such as intravaginal and intrauterine insemination.
- Assisted reproductive technology, including in vitro fertilization.
- Genetic testing of embryos.
- Fertility-related medications, whether prescribed or available over-the-counter.
- Gamete donation.
- Any other fertility-related services deemed appropriate by federal regulations.
Coverage Without Diagnosis
Insurance plans will have to provide fertility treatment coverage regardless of whether the patient has been diagnosed with infertility, as long as the treatment is deemed appropriate by a healthcare provider and takes place at a compliant medical facility.
Cost-Sharing and Limitations
The bill prohibits insurance plans from imposing higher deductibles or coinsurance for fertility treatments than those applied to other medical services. Any limitations or cost-sharing requirements must not be more restrictive than those for other medical services.
Incentives and Prohibitions
Insurance providers cannot offer incentives to encourage individuals not to seek fertility treatments or penalize providers for delivering such treatments. They must also allow doctors to discuss fertility options with their patients without restrictions.
Notification Requirements
Health plans will be required to inform enrollees about their coverage for fertility treatments through written notices prominently displayed in their communications.
Applicability to Various Programs
The bill also extends these requirements to several programs, including:
- The Federal Employees Health Benefits Program.
- The TRICARE program for military families.
- Fertility treatment services for veterans and their spouses or partners.
- State Medicaid programs, mandating coverage for fertility treatments.
- Medicare, ensuring coverage for fertility treatments without additional cost-sharing beyond the standard applicable amounts.
Effective Dates
The amendments of the bill would apply to plan years starting six months after the bill's enactment. Special provisions are made for collective bargaining agreements, and certain requirements for state Medicaid plans would take effect gradually, starting from October 1, 2026.
Regulations and Administration
The bill grants the Secretary of Health and Human Services the authority to establish appropriate regulations to govern the implementation of these coverage requirements and to ensure compliance with the provisions of the act.
Relevant Companies
None found
Representative Rosa L. DeLauro Bill Proposals
Here are some bills which have recently been proposed by Representative Rosa L. DeLauro:
- H.R.4648: Access to Fertility Treatment and Care Act
- H.R.4647: Captain Paul W. Bud Bucha VA Medical Center Act of 2025
- H.R.4557: BEACON Act
- H.R.4253: Expanding Access to Mental Health Services in Schools Act of 2025
- H.R.3508: End Diaper Need Act of 2025
- H.R.3335: Children Don't Belong on Tobacco Farms Act
You can track bills proposed by Representative Rosa L. DeLauro on Quiver Quantitative's politician page for DeLauro.
Representative Rosa L. DeLauro Net Worth
Quiver Quantitative estimates that Representative Rosa L. DeLauro is worth $3.2M, as of August 14th, 2025. This is the 193rd highest net worth in Congress, per our live estimates.
DeLauro has approximately $0 invested in publicly traded assets which Quiver is able to track live.
You can track Representative Rosa L. DeLauro's net worth on Quiver Quantitative's politician page for DeLauro.
This article is not financial advice. See Quiver Quantitative's disclaimers for more information.
