The California Senate Bill 729 proposes health care coverage treatment for infertility and fertility services. Concerned aboutwhen SB SB 729 willgo into effect?’ January 1, 2026, was the California SB 729 effective date. This mandate requires employer large group health plans to include coverage for infertility diagnosis and treatment as well as other fertility services.
The law applies directly to all large group health plans with 100 employees or more operating within the state and mandates comprehensive fertility coverage. California’s new infertility and IVF insurance coverage legislation, SB 729, aims to expand access to essential fertility treatments for couples and individuals who are seeking to grow or start their families.
Why does this matter? Now, IVF and other fertility treatments are covered by insurance if you’re insured under a large group employer plan that’s regulated by California’s Department of Insurance of Managed Health Care. This law applies to those experiencing infertility, someone who has to undergo medically-necessary fertility preservation, as well as LGBTQ+ individuals, single individuals who want to conceive, and others unable to conceive due to non-medical reasons.
Key takeaways
- SB 729 expands infertility coverage and requires IVF coverage for many California large-group fully insured plans as of Jan 1, 2026 (contract renewal-based).
- SB 729 changes the definition of infertility to be more inclusive (LGBTQ+ and single/unpartnered people).
- SB 729 includes certain assisted reproductive technology services and medically necessary egg freezing
What is California SB 729?
The California Senate Bill 729 introduces a significant change to health care coverage by mandating specific fertility benefits. Senate Bill 729 was authored by Senator Caroline Menjivar (D-San Fernando Valley) and went into effect for contracts issued or renewed on or after January 1, 2026. It’s an amendment to Health and Safety Code section 1374.55 and Insurance Code section 10119.6 for expansion into fertility services coverage.
The main objective of SB 729 was to require group health care plans in California that have 100 or more employees to expand fertility services to include coverage for “the diagnosis and treatment of infertility and fertility services,” which includes in-vitro fertilization (IVF).
One of the noteworthy developments of the bill is that it changed the definition of infertility to be inclusive of the LGBTQ+ community and unpartnered individuals, which was modeled after the American Society for Reproductive Medicine’s definition.
The bill was approved by California Governor Gavin Newsom on September 24, 2024, and filed with the Secretary of State that same day. SB729 went into effect in January 2026.
If you’re part of a health care benefit contract under CalPERS, they aren’t required to comply until July 1, 2027.
When will SB 729 go into effect?
The California SB 729 went into effect January 1, 2026, for most California large group health plans. It was signed into law in September 2024 by Governor Newsom, and expected to start mid-2025, but it was delayed until January 2026 due to Assembly Bill 116 being signed on June 30, 2025, including the provision that SB 729 would start the following January.
As of this publishing date in 2026, SB 729 does NOT apply to small group plans or Medi-Cal managed care plans; and CalPERS. It’s estimated those plans will have mandates within the next year.
What fertility benefits will SB 729 cover?
Under SB 729, fertility coverage must be comprehensive, and infertility is no longer limited to medical diagnoses. The law explicitly includes nonmedical situations, such as same-sex couples and individuals choosing to become parents on their own, to broaden access to care. It also includes procedures and treatments that are deemed medically necessary for achieving pregnancy.
Covered services include:
- Infertility diagnosis and treatment
- Fertility medication
- Diagnostic testing and monitoring (ultrasounds, bloodwork and other ‘standard procedures’ that may be mentioned in your insurance’s health plan)
- IVF: Up to three completed egg retrievals
- IVF: Unlimited embryo transfers as medically appropriate
- Medically necessary egg freezing, if needed for cancer treatments
While there’s much to be celebrated, the bill isn’t comprehensive for all family building needs. Exclusions from the Senate Bill are certain donor or surrogacy services, self-insured plans and small group plans. According to an article from Dr. Alexander M. Quaas, published in the American Journal of Obstetrics and Gynecology in February 2026, there still can be significant costs that aren’t addressed in SB 729. “Although the law stipulates that health plans cannot deny coverage because a patient uses a gestational carrier (GC), egg, sperm, or embryo donor, the financial responsibility for costs arising from these third-party fertility services is currently unclear,” Dr. Alexander says in the journal.
Where does the law fall short?
A key element of SB 729 is the definition of “medically necessary” as it pertains to fertility treatments. In this law, “medically necessary” refers to health care services that a physician exercising prudent clinical judgment would provide to a patient for the purpose of preventing, evaluating, diagnosing, or treating an illness, injury, disease, or its symptoms.
This narrow definition of coverage, while extending to include LGBTQ+ individuals and single parents, still creates a substantial barrier for individuals and couples who require donor assistance or surrogacy to achieve parenthood.
The SB 729 update falls short of a comprehensive fertility offering in the following ways:
- It only includes IVF, IUI, and diagnostics. Even the most comprehensive fertility mandates often exclude essential components of IVF. Intracytoplasmic sperm injection (ICSI), used in 70 percent of IVF cycles, and genetic testing, which is used in 74 percent of Carrot cycles, might not be covered and are often missing from state fertility mandates.
- It excludes donor materials and surrogacy. Procedures and services like donor coordination or surrogacy support are rarely covered by traditional insurance or state mandates, which is another major oversight. Financial coverage or reimbursement for donor sperm–used in about 90 percent of IVF cycles for female same-sex couples–isn’t part of SB 729.
- There is no mandate for provider steerage or member navigation assistance. This leaves individuals responsible for navigating the complex landscape of fertility treatments on their own.
- The coverage lacks any provision for care planning or decision support mechanisms. This absence of support may lead to potential issues of overuse of certain treatments, underuse of necessary interventions, or the selection of inappropriate treatment pathways.
Without adequate guidance and planning, members may struggle to make the most effective and cost-conscious decisions regarding their fertility care. When benefits are unclear or poorly coordinated, care becomes disjointed, leaving members to piece together services on their own. Gaps in coverage are inconvenient and can lead to fragmented, low-quality care, which can cause a ripple effect that includes unmanaged journeys, higher rates of complications, and rising downstream claim costs.
Carrot Fertility helps fill these gaps by guiding members to high-quality, evidence-based care and trusted resources, ensuring safer and more successful outcomes and, ultimately, lower costs. Carrot members receive individually curated Carrot Plans as part of personalized programs that guide them to the experts and resources that are most helpful for their fertility journeys.
Who is affected by SB 729?
There are several plans SB 729 applies to:
- The mandate applies to large-group (more than 100 employees) HMO and PPO plans overseen by the California Department of Managed Health Care, as well as large-group PPO plans regulated by the California Department of Insurance.
- For small-group plans, access to these benefits depends on whether the coverage is purchased. The new law requires insurers to offer coverage for the diagnosis and treatment of infertility but doesn’t say that the coverage has to be included in the policies.
- For members of the California Public Employees’ Retirement System (CalPERS), the benefit system for state employees, the mandate is delayed until at least July 1st, 2027.
- What about employees whose companies are out of state? According to SB 729, if the company offers a fully-insured plan providing coverage to at least one resident of California and has more than 100 employees on its benefits plan, it could be subject to the mandate.
Who is exempt from SB 729 updates?
Self-funded plans, Medi-Cal, specialized healthcare service plans, dental/vision-only plans, and qualifying religious employers are not impacted by SB 729.
If you’re an employee who wants to know if your employer health insurance plan is part of the mandate, set up an appointment with the company’s benefits manager to learn more about what’s covered, how they can help you navigate your fertility journey in a way that’s supportive and fiscally savvy, as well as if they offer fertility benefits, like Carrot.
For benefit managers at companies that need to comply with the SB 729 update, enlist the help of the professionals at Carrot to help employees feel supported, educated, and have healthy outcomes.
What to know now that SB 729 is in effect
If you’re a patient, you’ll want to better understand the health insurance plan you have and if it’s part of SB 729. Consult with your employer’s HR team to learn more about how you can get financial assistance or coverage for your fertility journeys.
If your health insurance falls under self-funded plans, Medi-Cal, dental/vision-only plans, and qualifying religious employers, you can’t take advantage of SB 729 right now. Connect with your employer’s benefits department to see if the company offers Carrot fertility benefits. (If they don’t, this guide can help you ask your employer for fertility benefits.)
If you’re an employer, you’ve probably spent the past few months learning about how this impacts your organization. Hold team meetings that address benefits review, communications, and compliance preparation. Come up with a plan to address what SB 729 is and what it means for employees as well as how they can take advantage. Prepare resources that can be distributed.
Carrot’s comprehensive fertility benefit helps employers make fertility benefits work smarter by providing expert guidance, individualized care planning, and meaningful support across the entire journey. Supplement your company's SB 729 plan with Carrot services to provide comprehensive coverage for planning, pregnancy, adoption, surrogacy, postpartum, parenting, return to work, gender-affirming care, menopause, low testosterone services, or any group of those that you would like to offer your population.
This isn't the first mandate of its kind, and it certainly won't be the last. State mandates vary widely, and many still leave out key areas like care for LGBTQ+and single parents or coverage for donor services. That’s why SB 729 is a significant law to note.
Fortunately, Carrot is expertly positioned to help customers and members navigate this landscape.
.svg){kind=small}
