Fertility treatment, insurance and law in Nevada

Fertility-preservation requirement only

Nevada has no general infertility or IVF insurance requirement. AB 428 (2025) creates a narrow requirement covering medically necessary fertility preservation for people diagnosed with breast or ovarian cancer, with substantive provisions scheduled to take effect from 2027 for at least some plan types. That is not the same as an IVF mandate.

Private-insurance requirement: Limited cover required

Cancer-related fertility preservation only. There is no general infertility-treatment requirement.

In force from: Phased from 2026–2027 depending on insurer type; the nonprofit hospital/medical service corporation provisions are codified as effective 1 January 2027.

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.

Employer size rules: Not identified in the sources reviewed.

Religious or conscience exemptions: Religious employers are exempted from the AB 428 requirement.

Self-funded employer plans (ERISA): AB 428 amends the Nevada insurance code, so it reaches state-regulated insurers and HMOs. Self-funded employer plans governed by federal ERISA rules are not covered by it.

• •Cancer-related fertility preservation only — general infertility treatment and IVF are outside the requirement
• •Applies only to Nevada-regulated insurers and HMOs, not to self-funded employer plans

• •AB 428 is a cancer-related fertility-preservation law. It is not a general IVF insurance mandate.
• •Commencement dates differ by insurer type, and published summaries differ between 1 January 2026 and 1 January 2027. Ask your insurer in writing which date applies to your policy.

Not established in the sources reviewed

No Nevada Medicaid infertility or fertility-preservation benefit was identified in the sources reviewed.

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.

• AB 428 (2025) — fertility preservation for breast and ovarian cancer

  Enacted, not yet in force · from 1 January 2027 for at least some plan types

  Enacted 11 June 2025. Requires specified health plans to cover medically necessary fertility-preservation services where infertility may result from a breast or ovarian cancer diagnosis or its treatment. It does not require cover for IVF or infertility treatment generally. Substantive provisions apply to policies issued, delivered or renewed on or after the applicable commencement date, with 1 January 2027 codified for nonprofit hospital, medical and dental service corporations.

  Official record

No pending, failed or expired fertility bills were recorded for this jurisdiction in this review.

Gestational surrogacy: Statutory framework permitting and regulating gestational surrogacy

Nevada has a statutory framework for gestational agreements within its parentage law, setting out eligibility and the required contents of an agreement.

Parentage: Court orders confirming intended parentage are available for compliant agreements. Confirm order timing with a Nevada reproductive-law attorney.

Reviewed against the Nevada Legislature record for AB 428 (2025), the codified NRS text and the ASRM/RESOLVE Nevada summary.

Last reviewed by the Antega editorial team: 2026-09-09.