Georgia has no general IVF mandate: no law requires insurers to cover infertility treatment or IVF. What it does have is HB 94, signed May 1, 2025: state-regulated health insurance issued or renewed after January 1, 2026 must cover fertility preservation, such as egg, sperm or embryo freezing and up to one year of storage, for people whose treatment for cancer, sickle cell disease or lupus may cause infertility. Picture as of October 2026.
| Point | Georgia rule |
|---|---|
| Infertility treatment or IVF mandate | None (ASRM) |
| Fertility preservation law | HB 94, signed by the governor on May 1, 2025 |
| Start | Policies issued or renewed after January 1, 2026 |
| Plans included | State-regulated individual, small-group and large-group plans |
| Plans excluded | Plans executed by the state, and ERISA (self-funded employer) plans |
| Who qualifies | People whose medically necessary treatment for cancer, sickle cell disease or lupus may cause infertility |
| What is covered | Evaluation, lab work, medications and treatment; egg, sperm, embryo and ovarian tissue freezing; up to 1 year of storage |
| Limits plans may set | Exclude storage beyond 1 year, apply age restrictions, set lifetime limits per procedure, exclude experimental procedures; standard deductibles, coinsurance and copays apply |
Sources: Office of the Governor of Georgia (May 1, 2025); Alliance for Fertility Preservation (August 2025); Triage Cancer (September 2025); ASRM (accessed October 2026).
The Alliance for Fertility Preservation estimates that about 1.8 million Georgians are affected by HB 94. ASRM's Georgia page lists no infertility coverage mandate and does not yet list the 2025 law.
HB 94 helps people about to start treatment that could harm fertility. It does not cover testing, IUI or IVF for infertility. Whether your plan covers those is up to the plan. And state mandates, including HB 94, do not apply to self-insured employer plans, which cover 67% of US workers with employer coverage (healthinsurance.org, June 2026).
When insurance may not pay, the first appointment is the moment to understand the road ahead. Map to the Positive includes these in its script for evaluating a professional:
The book lists transparency about costs among the signs of a good professional, and costs that come up with no warning among the reasons to change doctors.
These questions come from Chapter 31 of Map to the Positive, on choosing the right doctor, in Station IV. The station also covers when to see a specialist, the treatment ladder from the simplest option upward, and IVF step by step.
Take 30 days. If it does not give you more clarity than everything you have read for free so far, ask for a refund and you get every cent back. We cannot promise you a pregnancy. We can promise you will not be guessing.
References: Gov. Kemp Signs Bills Improving Healthcare and Supporting Coastal Georgia (Office of the Governor) (2025-05-01) · Coverage Updates May 2025 (Alliance for Fertility Preservation) (2025-08-25) · Health Insurance: Fertility Services (Triage Cancer state laws chart) (2025-09) · State and Territory Infertility Insurance Laws: Georgia (ASRM ReproductiveFacts.org) (accessed 2026-10-30) · Q. Does the ACA require infertility treatment to be covered by health insurance? (healthinsurance.org) (2026-06-18)