North Carolina SB 910: Expanding Insurance Coverage/Fertility Care.

Bill Text

GENERAL ASSEMBLY OF NORTH CAROLINA
SESSION 2025
S 1
SENATE BILL 910

Short Title: Expanding Insurance Coverage/Fertility Care. (Public)
Sponsors: Senators Murdock, Chitlik, and Salvador (Primary Sponsors).
Referred to: Rules and Operations of the Senate
April 30, 2026
*S910-v-1*
A BILL TO BE ENTITLED 1
AN ACT TO EXPAND ACCESS TO FERTILITY CARE. 2
Whereas, having a family and nurturing the next generation is a profound human 3
experience that connects us to each other and ensures our communities are able to thrive; and 4
Whereas, infertility is a recognized condition affecting a substantial portion of the 5
adult population and approximately 1 in 6 people experience infertility during their lifetime, a 6
prevalence that spans all income levels and regions; and 7
Whereas, in the United States approximately 12 percent of women and 9 percent of 8
men are infertile and these figures likely underrepresent the affected population while 9
underscoring that the condition affects individuals and couples across all demographics and 10
relationship structures; and 11
Whereas, the need for fertility care to build one's family arises from diverse factors 12
and impacts individuals without regard to age, sexual orientation, relationship status, or gender 13
identity; and 14
Whereas, infertility disproportionately affects some communities, including, for 15
example, Black women in the United States are nearly twice as likely to experience infertility as 16
non-Hispanic white women; and 17
Whereas, people with disabilities experience higher rates of infertility, often due to 18
underlying medical conditions, medications, or prior medical interventions; and 19
Whereas, the majority of infertility cases respond to evidence-based medical 20
treatment, and assisted reproductive technologies, including in vitro fertilization (IVF), are safe 21
and effective; and 22
Whereas, fertility preservation techniques, such as gamete or tissue cryopreservation, 23
are recommended for individuals at risk of infertility and medical associations like the American 24
College of Obstetricians and Gynecologists recommend timely referral for fertility preservation 25
when medical treatment may affect future reproductive health; and 26
Whereas, fertility treatment, including fertility preservation, requires healthcare and 27
insurance coverage like other medical conditions; and 28
Whereas, inadequate access to fertility care harms everyone; and 29
Whereas, too few people have insurance coverage for fertility care and without it, 30
many aspects of this care are out of reach and these economic barriers mean that hopeful parents 31
are going into debt, facing bankruptcy, working extra jobs, and delaying home purchases and 32
other economic milestones in order to build their family; and 33
Whereas, insurance coverage for fertility treatment and preservation supports early, 34
medically appropriate intervention, reduces high-risk pregnancy complications linked with 35

General Assembly Of North Carolina Session 2025
Page 2 Senate Bill 910-First Edition
multiple embryo transfers, and can lower long-term healthcare costs associated with preterm 1
births and neonatal care; and 2
Whereas, ensuring coverage for fertility care fosters family formation, attracts and 3
retains families, and strengthens public health infrastructure; Now, therefore, 4
The General Assembly of North Carolina enacts: 5
6
PART I. EXPANDING HEALTH INSURANCE COVERAGE OF FERTILITY CARE 7
SECTION 1.1.(a) Article 3 of Chapter 58 of the General Statutes is amended by 8
adding a new section to read: 9
"§ 58-3-241. Fertility and infertility coverage. 10
(a) The following definitions apply in this section: 11
(1) Fertility diagnostic care. – Procedures, products, genetic testing, medications, 12
counseling, including genetic counseling, and services intended to provide 13
information and counseling about an individual's fertility, including 14
laboratory assessments and imaging studies. 15
(2) Fertility treatment. – Procedures, products, genetic testing, medications, 16
counseling, and services, including in vitro fertilization and assisted 17
reproduction services, that are intended to establish a pregnancy or treat 18
infertility and that are provided in a manner consistent with established 19
medical practice and professional guidelines published by the American 20
Society for Reproductive Medicine, its successor organization, or a 21
comparable organization, including preconception care, procurement, 22
cryopreservation, and storage of gametes, embryos, or other reproductive 23
tissue. 24
(3) Gamete. – Sperm or eggs. 25
(4) Infertility. – Any of the following: 26
a. The presence of a condition recognized by a licensed healthcare 27
provider that impacts an individual's ability to establish a pregnancy 28
or to carry a pregnancy based on an individual's medical, sexual, and 29
reproductive history, age, physical findings, diagnostic testing, or any 30
combination of these factors. This i