Nevada does not require private or public insurers to cover IVF, according to the Nevada Division of Insurance as cited by The Nevada Independent (March 2025). In 2025 the state enacted AB 428 (Chapter 473, approved June 10, 2025), which adds fertility preservation coverage for people diagnosed with breast or ovarian cancer, based on the amended bill text reviewed. This is the picture as of October 2026.
| Item | Nevada | Status |
|---|---|---|
| IVF coverage mandate | None for private or public insurers | Confirmed (Nevada Independent, citing the Division of Insurance, March 2025) |
| Public Employees' Benefits Program | Covers some infertility treatment, depending on the plan | Confirmed (same source) |
| AB 428 (2025) | Passed the Legislature; approved by the Governor June 10, 2025; Chapter 473 | Confirmed (LegiScan) |
| Who AB 428 helps | People diagnosed with breast or ovarian cancer whose cancer or treatment may cause infertility | From the amended bill (second reprint); final text not reviewed |
| Plans under AB 428 | Individual and group policies, HMOs and other carriers; Medicaid to the extent federal funding allows | From the amended bill (second reprint) |
| Religious exemption | Insurers affiliated with a religious organization may decline with written notice; none for Medicaid | From the amended bill (second reprint) |
| Start date of AB 428 coverage | Not confirmed | Sources give different dates |
Sources: The Nevada Independent / Gigafact; LegiScan; Nevada Legislature, AB 428 second reprint (May 29, 2025). The enacted text was not reviewed, so final wording and dates may differ.
AB 428 is a fertility preservation law. As described in the amended bill, it covers medically necessary preservation when the cancer or its expected treatment may cause infertility. It does not create IVF coverage for infertility.
Without a state IVF mandate, whether IVF is covered depends entirely on your plan. If you work for the state, the Public Employees' Benefits Program covers some infertility treatment depending on the specific plan, so read your plan booklet.
Even AB 428 reaches only plans the state regulates. State mandates do not apply to self-insured employer plans, which cover 67% of workers with employer coverage nationwide (healthinsurance.org, June 2026). Check your plan documents or ask HR which kind you have.
AB 428's final wording and start date were not confirmed for this page. Ask your insurer, in writing, how it applies to you.
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References: Is insurance required to cover in vitro fertilization in Nevada? (The Nevada Independent / Gigafact) (2025-03-05) · NV AB428, 2025, 83rd Legislature (LegiScan) (accessed 2026-10-30) · Assembly Bill No. 428, Second Reprint (Nevada Legislature, 83rd Session, 2025) (2025-05-29) · Does the ACA require infertility treatment to be covered by health insurance? (healthinsurance.org) (2026-06-18)