Trump’s New Fertility Rule: How to Access Federal Benefit to Save on IVF
Summary
President Donald Trump's administration proposed a new federal rule allowing employers to offer separate fertility benefits, including in vitro fertilization (IVF), outside of traditional health insurance plans. This rule aims to make fertility treatments more accessible and affordable amid declining U.S. birth rates and concerns about a fertility crisis.Key Facts
- The new rule would create a category called "limited excepted benefits" for stand-alone fertility plans offered by employers.
- Fertility coverage could include IVF and diagnosis and treatment of infertility.
- Employees could enroll in these fertility plans even if their main health insurance does not cover fertility benefits.
- There would be a lifetime coverage cap of $120,000 per participant, adjusted for inflation after 2028.
- The administration aims to reduce out-of-pocket costs by also negotiating lower prices for fertility medications.
- U.S. birth rates are near historic lows, with the fertility rate around 1.6 births per woman, below the replacement level of 2.1.
- Health officials highlighted a decline in male fertility and called it a public health concern.
- The rule is open for public comment for 60 days before final approval, and employers must choose to offer the benefit.
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