Antega United States
Fertility treatment, insurance and law in Oregon
Oregon has no statewide private-insurance infertility or IVF requirement in force. Comprehensive fertility-coverage legislation was considered in the 2026 session but did not become law. Oregon's operative reproductive-health insurance statute covers contraception and related services, not fertility treatment.
1. What applies now
The position in force on the review date below. Anything scheduled for the future is kept separate.
No statewide private-insurance mandate identified
Oregon has no statewide private-insurance infertility or IVF requirement in force. Comprehensive fertility-coverage legislation was considered in the 2026 session but did not become law. Oregon's operative reproductive-health insurance statute covers contraception and related services, not fertility treatment.
Private-insurance requirement: Not mandated statewide
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 mandated statewide
Fertility preservation
Not mandated statewide
Fertility medicines
Not mandated statewide
Diagnosis and testing
Not mandated statewide
3. Who the rule applies to
Employer size rules: Not applicable — no statewide mandate.
Religious or conscience exemptions: Not applicable — no statewide mandate.
Self-funded employer plans (ERISA): Self-funded employer plans are governed by federal ERISA rules and are outside state insurance regulation in any event.
- ORS 743A.067 covers contraception and reproductive-health services; it does not require IVF, IUI or fertility-preservation cover
4. Important exclusions and limitations
- HB 4155 (2026) is recorded as failed. It must not be read as enacted or pending law.
5. Medicaid
Not established in the sources reviewed
No Oregon Health Plan infertility-treatment benefit was identified in the sources reviewed.
6. Public and state-employee plans
Not mandated statewide
The Public Employees' Benefit Board and Oregon Educators Benefit Board would have been covered by HB 4155, which did not pass. Any current benefit is a plan-design choice, not a legal 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.
HB 4155 (2026 regular session)
Did not become law
Would have required certain insurers, PEBB and OEBB to cover fertility services. It passed House committee stage but died in the Joint Committee on Ways and Means when the short 2026 session ended on 6 March 2026 without a floor vote. It is not law and is not pending.
Official record
Surrogacy, parentage and donor conception
Gestational surrogacy: Permitted in practice, legal framework limited or complex
Oregon has no comprehensive surrogacy statute, but gestational surrogacy is well established in practice and Oregon courts routinely grant parentage judgments.
Parentage: Pre-birth judgments of parentage are commonly obtained.
9. Sources and last reviewed date
Reviewed against ORS 743A.067, the Oregon Legislature record for HB 4155 (2026) and the KFF and ASRM/RESOLVE state summaries.
Primary sources
- ORS 743A.067 — Reproductive health servicesOregon Revised Statutes · checked 2026-09-09
- HB 4155 (2026) measure recordOregon Legislature (OLIS) · checked 2026-09-09Died in Joint Ways and Means, 6 March 2026.
Secondary sources
- Oregon infertility insurance law summaryASRM / RESOLVE (ReproductiveFacts) · checked 2026-09-09
- State infertility coverage indicatorKFF · checked 2026-09-09
Last reviewed by the Antega editorial team: 2026-09-09.
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.
Legal information for the United States
Antega is operated by ANTEGA LTD, a company registered in England and Wales. Antega has no separate legal entity in the United States. Our terms of service, privacy policy and refund terms are written under the law of England and Wales, and are the terms that apply to anyone using this site.
Local consumer-rights information for the United States is published alongside those terms. Mandatory consumer protections in your own country are not affected by our terms.
Health, funding and clinic information on Antega is educational only. It is not medical, legal or financial advice, and it does not replace guidance from a qualified professional in the United States.
ANTEGA LTD · Company No. 17309277