Antega United States
Fertility treatment, insurance and law in Michigan
Michigan requires a limited infertility benefit covering diagnostic services and some treatment, but IVF is excluded from that requirement. IVF is therefore commonly self-pay in Michigan unless an employer has added a fertility benefit voluntarily.
1. What applies now
The position in force on the review date below. Anything scheduled for the future is kept separate.
Limited infertility benefit required; IVF is not included
Michigan requires a limited infertility benefit covering diagnostic services and some treatment, but IVF is excluded from that requirement. IVF is therefore commonly self-pay in Michigan unless an employer has added a fertility benefit voluntarily.
Private-insurance requirement: Limited cover required
Michigan requires a limited infertility benefit covering diagnostic services and some treatment, but IVF is excluded from that requirement. IVF is therefore commonly self-pay in Michigan unless an employer has added a fertility benefit voluntarily.
State requirements do not necessarily apply to every health plan. Self-funded employer plans, federal plans and certain exempt employers may follow different rules. Check your plan documents or insurer for your individual coverage.
2. What fertility services may be covered
IVF
Not mandated statewide
IUI
Not established in the sources reviewed
Fertility preservation
Not established in the sources reviewed
Fertility medicines
Not established in the sources reviewed
Diagnosis and testing
Limited cover required
3. Who the rule applies to
Employer size rules: Not identified in the sources reviewed.
Religious or conscience exemptions: Not identified in the sources reviewed.
Self-funded employer plans (ERISA): Self-funded employer plans are governed principally by federal ERISA rules and are generally outside state benefit requirements.
- The existing requirement does not extend to IVF
- Employer-added fertility benefits are the main route to IVF cover here
4. Important exclusions and limitations
- A broader infertility-coverage bill has been introduced in Michigan but was not enacted at the date of this review.
5. Medicaid
Not established in the sources reviewed
No Medicaid infertility benefit was identified in the sources reviewed. Medicaid is a public programme and is separate from commercial insurance.
6. Public and state-employee plans
Not established in the sources reviewed
No distinct public-employee fertility benefit was identified. A public-employee benefit, where one exists, is not a statewide private-insurance requirement.
7. Future changes already enacted
Law that has been passed but is not yet in force. It does not affect cover today.
No enacted law with a future effective date was identified.
8. Recent legislation that did not become law or remains pending
Proposals are never a guide to your current cover.
No pending, failed or expired fertility bills were recorded for this jurisdiction in this review.
Surrogacy, parentage and donor conception
Gestational surrogacy: Statutory framework permitting and regulating gestational surrogacy
The Michigan Assisted Reproduction and Surrogacy Parentage Act (2024 PA 24, effective April 2025) replaced the previous law that criminalised compensated surrogacy. Surrogacy agreements are now permitted and regulated, with statutory compliance requirements.
Parentage: The Act establishes a statutory parentage process for children born through assisted reproduction and surrogacy. Ask a Michigan reproductive-law attorney about the order timing for your own arrangement.
9. Sources and last reviewed date
Michigan requires a limited infertility benefit covering diagnostic services and some treatment, but IVF is excluded from that requirement. IVF is therefore commonly self-pay in Michigan unless an employer has added a fertility benefit voluntarily.
Sources
- MCL 722.1903, surrogacy agreementsMichigan Legislature · checked 2026-09-08
- Act 24 of 2024Michigan Legislature · checked 2026-09-08
Last reviewed by the Antega editorial team: 2026-09-08.
This is general information about state rules, not legal or insurance advice, and it is not a guarantee of cover. Laws, mandates and plan rules change. Always confirm your own position with your insurer or plan administrator in writing, and take advice from a licensed attorney in your state before making legal arrangements.
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