Antega United States
Fertility treatment, insurance and law in New Hampshire
New Hampshire requires plans regulated by the state that provide pregnancy-related benefits to cover fertility diagnosis and treatment, including IVF, and standard fertility-preservation services where treatment may cause iatrogenic infertility.
1. What applies now
The position in force on the review date below. Anything scheduled for the future is kept separate.
Broad infertility or IVF requirement in force
New Hampshire requires plans regulated by the state that provide pregnancy-related benefits to cover fertility diagnosis and treatment, including IVF, and standard fertility-preservation services where treatment may cause iatrogenic infertility.
Private-insurance requirement: Required to be covered
New Hampshire requires plans regulated by the state that provide pregnancy-related benefits to cover fertility diagnosis and treatment, including IVF, and standard fertility-preservation services where treatment may cause iatrogenic infertility.
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
Required to be covered
IUI
Not established in the sources reviewed
Fertility preservation
Required to be covered
Fertility medicines
Not established in the sources reviewed
Diagnosis and testing
Required to be covered
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 the New Hampshire requirement.
- Cover follows recognised clinical criteria
- Applies to state-regulated plans, not self-funded employer plans
4. Important exclusions and limitations
No specific exclusions were identified in the sources reviewed.
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
New Hampshire regulates gestational-carrier arrangements by statute, with eligibility requirements and requirements for the written agreement.
Parentage: Compliant agreements support intended-parent status without a post-birth adoption in most cases.
9. Sources and last reviewed date
New Hampshire requires plans regulated by the state that provide pregnancy-related benefits to cover fertility diagnosis and treatment, including IVF, and standard fertility-preservation services where treatment may cause iatrogenic infertility.
Sources
- New Hampshire infertility insurance law summaryASRM / RESOLVE (ReproductiveFacts) · 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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