If you’ve been watching your fertility treatment costs pile up, there’s good news on the horizon. Starting January 1, 2026, California residents with qualifying health insurance plans will finally get access to fertility benefits that actually cover infertility treatment, including in vitro fertilization (IVF), thanks to California Senate Bill 729 (SB 729). This isn’t just another small policy tweak. It’s a milestone for access to reproductive healthcare in our state.
At City Pulse Acupuncture, we see firsthand how the financial burden of fertility care weighs on families. We’ve worked with countless patients who’ve had to choose between pursuing their dreams of parenthood and maintaining financial stability. That’s why we’re excited about what this California law means for your access to fertility treatment, whether you’re just starting to think about getting an infertility diagnosis or you’re already deep in the process.
What is SB 729 and How Will It Change Fertility Insurance Coverage in California?
Key Benefits of SB 729
Here’s what the new law actually requires from fully insured large-group health insurance plans in California to cover infertility treatment:
- Full infertility diagnosis and treatment, including IVF
- Up to three completed oocyte (egg) retrievals
- Unlimited embryo transfers when medically appropriate, following ASRM guidelines
- Use of single embryo transfer when your physician recommends it
Small-group healthcare plans have to offer this fertility care coverage, though they’re not required to provide it automatically.
What the Law Actually Says: Key Mandates from SB 729
The legislation goes beyond just covering procedures. This California law includes protections that address some of the most frustrating barriers people face when trying to access reproductive healthcare:
Fertility medications get treated like any other prescription. No more special exclusions or weird limitations that make you jump through extra hoops. Health benefit plans can’t deny coverage just because you’re using donor services or working with a surrogate. Cost-sharing for fertility care has to match what you’d pay for other medical care.
This new law also expands the definition of infertility in much broader terms. It includes a licensed physician’s assessment based on your history, age, and test results. It covers inability to conceive or carry a pregnancy without medical help. The traditional “12 months of trying” rule still applies (6 months if you’re 35 or older), but now that includes time after miscarriage too.
Most importantly, coverage can’t be denied based on age, marital status, gender identity, or sexual orientation. Period.
What Makes SB 729 So Groundbreaking?
Before this bill, access to fertility care was a maze of exclusions and limitations. Some health insurance plans covered nothing. Others offered bare-bones benefits that barely scratched the surface of what people actually needed for their infertility diagnosis and treatment. This California law changes all of that by making IVF a required benefit rather than a luxury add-on. It uses modern, inclusive approaches to the definition of infertility that recognize how families are actually formed today. And it aligns with national medical guidelines that prioritize patient outcomes over insurance company profits.
Should You Wait Until 2026 to Start Fertility Treatment?
This is probably the question we hear most: “Should I wait for the insurance coverage to kick in?” It’s tempting to think about the money you could save, but fertility doesn’t wait for legislation.
Why Starting Fertility Treatment Now May Be Wiser
Your fertility changes with time, especially after 35. Every month matters when you’re dealing with age-related decline. Getting evaluated now gives you a clear picture of where you stand and more options for timing your treatment. Plus, those initial diagnostic tests can help you create a strategic plan for when the new coverage begins.
We work with patients who start acupuncture treatments months before their first IVF cycle. This gives us time to support hormone regulation, improve cycle balance, and address the emotional stress that comes with fertility challenges. Think of it as building a strong foundation for whatever comes next.
Who Will Benefit from SB 729 and Who Might Not?
The new law is a huge win, but it doesn’t cover everyone. Here’s the breakdown:
|
Group |
Coverage? |
Notes |
|
Large-group plans (CA residents) |
Yes |
Required to cover fertility treatment per Health and Safety Code §1374.55(a)(1) |
|
Small-group plans (CA residents) |
Offered |
Must offer coverage, but not required to provide it (§1374.55(a)(2)) |
|
Out-of-state employer plans |
No |
Law applies only to CA-issued plans |
|
Religious employers |
No |
Exempt under §1374.55(g) |
|
Self-insured/ERISA plans |
Usually no |
Not subject to state mandate; may opt in voluntarily |
If you’re not sure which category you fall into, check with your HR department or insurance provider. The details matter here.
How Can City Pulse Acupuncture Support Your Fertility Journey?
We’ve been supporting people through fertility treatments for years, and we know it’s about more than just the medical procedures. Our approach focuses on your whole person, not just your reproductive system.
We help balance hormones and regulate cycles that have been thrown off by stress, lifestyle factors, or underlying conditions. We work to improve blood flow to your uterus and optimize the environment for implantation. Our treatments can enhance both egg and sperm quality, which becomes increasingly important as you age.
But honestly, one of the most important things we do is help you manage the emotional rollercoaster. Fertility treatment is stressful. The uncertainty, the waiting, the financial pressure. All of it takes a toll. Acupuncture helps calm your nervous system and gives you tools to handle whatever comes up.
We customize everything based on your unique situation, health history, and treatment timeline. No cookie-cutter approaches here. If you’re preparing for fertility treatments now—or want to understand how acupuncture can support you when SB 729 takes effect—schedule a consultation today. Let’s build a personalized plan that supports your body and your journey every step of the way.
Frequently Asked Questions About SB 729 and Fertility Treatment
When will SB 729 go into effect?
The new law takes effect on January 1, 2026, for health plans issued, renewed, or amended on or after July 1, 2025.
Will IVF really be covered?
Yes, and not just partially. IVF becomes a mandated benefit for eligible insurance plans. You’ll get up to three complete egg retrievals and unlimited medically appropriate embryo transfers.
Does this include LGBTQIA+ individuals and single parents?
Absolutely. The bill redefines infertility in inclusive terms, which means access regardless of gender identity, sexual orientation, or relationship status.
What if I have a self-insured plan?
Self-insured plans aren’t legally required to comply with the new mandate, but some may choose to offer similar benefits voluntarily. It’s worth asking your employer about their plans.
Will acupuncture be covered under SB 729?
The legislation doesn’t specifically mention acupuncture, but many health plans already offer acupuncture coverage, especially for fertility support. We can help you figure out what your benefits include.
Can acupuncture help improve IVF success rates?
Research suggests it can. Acupuncture may enhance IVF outcomes by improving blood flow, reducing stress, and supporting hormonal balance. We regularly coordinate with fertility clinics to optimize treatment timing and protocols.
Is it safe to start fertility acupuncture now?
Yes, and it’s actually ideal. Starting acupuncture before fertility treatments gives us time to strengthen your reproductive health and may improve outcomes when you do begin IVF, whether that’s now or when the new coverage starts.
