New Jersey Expands Insurance for Infertility, Embraces Inclusivity in Health Coverage

Robert Walker

TRENTON, NJ – January 12, 2024 – New Jersey Governor Phil Murphy today enacted legislation aimed at enhancing insurance coverage for infertility treatments. The new law, A5235/S3627, mandates that private sector health insurers, State Health Benefits Program, and School Employees’ Health Benefits Program extend coverage to infertility services in alignment with the American Society for Reproductive Medicine guidelines, as prescribed by a physician.

This coverage includes a range of services such as various forms of in vitro fertilization, intrauterine insemination, genetic testing, and embryo transfers. Significantly, the law ensures coverage for partners who have undergone successful reversal of voluntary sterilization. It explicitly prohibits denying or delaying treatment based on relationship status, sexual orientation, or age.

Governor Murphy highlighted that enhancing access to fertility services is a critical component of New Jersey’s commitment to reproductive health and freedom. He emphasized the diverse challenges and joys associated with starting a family, particularly for those facing infertility and same-sex couples.


Lieutenant Governor Tahesha Way underlined the financial relief this legislation brings to families seeking fertility services. First Lady Tammy Murphy echoed these sentiments, focusing on the empowerment this provides in reproductive decision-making.

Acting Commissioner of the New Jersey Department of Banking and Insurance, Justin Zimmerman, remarked that this legislation removes financial barriers, making family dreams more attainable.

The legislation, sponsored by Senators Joe Vitale, Brian Stack, and Assemblymembers Pamela Lampitt, Shavonda Sumter, and Sterley Stanley, responds to the challenges faced by one in six individuals of childbearing age struggling with infertility. It aims to make treatment services more accessible and affordable, facilitating the journey to parenthood for many in New Jersey.

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