Trump admin proposes ‘fertility benefit option’ for employer healthcare plans
The Trump administration on Monday expanded upon an initial executive order seeking to broaden Americans’ access to fertility treatments within the healthcare system
by Summer Lane | May 11, 2026
The Trump administration on Monday proposed an expansion of fertility benefits for American couples seeking to grow their families, building upon prior action that sought to broaden access to fertility treatment and IVF.
“Most healthcare plans do not cover these benefits, but today I’m pleased to announce that the Department of Labor is issuing a new rule to formally create a fertility benefit option for employers that can be offered to all employees outside of their normal health insurance plan,” President Trump said during an event at the Oval Office.
The proposed rule builds upon the president’s 2025 executive order, “Expanding Access to In Vitro Fertilization.” That order focused on lowering fertility medication costs and urged employers to offer a “New Benefit Option” that included at least partial coverage of fertility treatments such as IVF.
The most recent proposal increases benefit options by cutting through regulatory red tape to reduce the overall cost of fertility treatments. According to the Department of Labor, it proposes several main requirements for such benefits, including a lifetime maximum cap of up to $120,000 starting after 2028.
“This will be a supplemental option available to those who need it, very much like vision or dental insurance,” President Trump said. “…By offering coverage for care at every step, the fertility journey is a very interesting one. Very complex…this will hopefully reduce the number of couples who will ultimately need to resort to IVF because challenges can be identified and addressed very early in the process.”
As reported by LindellTV, one in six couples in America struggles to conceive, and 42 percent of Americans have either sought fertility treatment or know someone who has. The price of such treatments has historically remained completely out-of-pocket, as most insurance does not offer fertility coverage – treatments that easily cost tens of thousands of dollars.
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