SB 729 delayed: what California’s IVF patients need to know
What is SB 729, Senate Bill 729?
California’s landmark infertility insurance law, California Senate Bill 729 (SB 729), was set to take effect July 1, 2025, expanding coverage for millions. But in a last-minute development, Governor Newsom has requested a delay, which will push implementation to January 1, 2026.
At Collab Fertility, the most comprehensive fertility center in the East Bay, we know how much this law means to patients. SB 729 promises critical coverage for fertility diagnosis and treatment, including IVF, for millions of Californians with large-employer insurance plans regulated by the state. It also marks an important step toward equity, including expanded access for LGBTQIA+ families and single parents.
But while expanded coverage is welcome progress, waiting six months or longer may not be the best option for everyone. Keep reading to learn more about SB 729, why timing matters when it comes to fertility care, and what you can do now.
What coverage will be required under SB 729?
You can read the full text of the law, SB 729 Health care coverage: treatment for infertility and fertility services, here.
Senate Bill 729 is applicable to large-group health plans (100+ employees) that are state-regulated. Under the bill, these health plans must cover infertility diagnosis and treatment, explicitly including IVF. It specifically mandates coverage for:
- Up to three complete egg retrievals|
- Unlimited embryo transfers, following clinical best practices
- Coverage must be non-discriminatory and equitable, expanding access to LGBTQIA+ individuals, single parents, and those who meet a broader definition of infertility
Small-group plans (≤ 100 employees) must offer an infertility coverage option—but are not required to include it by default. It does not cover self-funded (ERISA-governed),
Medi-Cal, CalPERS until 2027, or religious employer plans.
Why is SB 729 delayed?
According to the Governor’s office, more time is needed to issue clear guidance to insurers, especially around services like embryo storage and donor gametes, which weren’t explicitly defined in the legislation.
What should I know about the SB 729 delay, and when will my insurance start covering my fertility services?
- The delay is not final yet. The legislature must vote to approve it and the governor will need to sign off—this will likely happen before the end of June. If passed, implementation will move to January 1, 2026.
- Even without a delay, IVF coverage wouldn’t begin until the month your employer’s insurance contract renews. For many, that’s January, but not all. Some contracts renew mid-year, meaning a delay could push coverage back until July 2026 or later.
- If you’re unsure when your plan renews or whether it’s subject to the law, reach out to your HR department for clarity.
What does SB 729 mean for LGBTQIA+ families?
SB 729 is a landmark step toward equity in fertility care. For the first time in California, many LGBTQIA+ individuals and couples will be eligible for insurance coverage of fertility services, including IVF, under state-regulated large group health plans. That means single parents by choice, same-sex couples, and others who have historically been excluded from coverage may finally gain access to the care they need to grow their families.
While the delay is frustrating, the promise of more inclusive coverage remains, and at Collab Fertility, we’ll continue to advocate for and support LGBTQIA+ families every step of the way.
We collaborate with sperm banks, egg donors, and agencies to help our LGBTQIA+ patients build their families. Your fertility journey could include reciprocal IVF, donor sperm, an egg donor, a gestational carrier, or a combination of fertility treatments. We can provide you with helpful resources, including referrals to reproductive psychologists for personalized emotional support.
Should I delay my fertility treatment for SB 729?
At Collab, we’re keeping a close eye on the legislation, but we’re also focused on your personal timeline. Six months may not seem long in political terms. Still, in the world of fertility, it can make a meaningful difference, especially for patients over 40 or those with low ovarian reserve. For some, starting treatment now may offer the best chance of successful outcomes.
We’re here to help you weigh your options, get financial counseling, and access proactive care. If you have questions about your coverage, your fertility health, or whether you should wait, let’s talk.
We’ll continue to advocate for fair, inclusive coverage and keep you informed every step of the way.
Integrative, compassionate, and evidence-based Fertility Care at Collab Fertility
Building your family begins with expert, evidence-based care. At Collab Fertility, our compassionate team is here to guide and support you every step of the way, empowering you to make informed decisions with clarity and confidence while prioritizing both your physical and emotional well-being.
Through The Collab Way, our whole-person approach to fertility care, you’ll receive personalized support that includes nutrition counseling, clean living guidance, and wellness resources designed to improve your chances of success. As part of our patient-first approach, you'll receive a personalized treatment plan based on your age, fertility status, and family goals.
Whether you’re just starting out or further along in your journey, we’re here for you. Every path to parenthood is unique, and all families are welcome and celebrated at Collab.
Our services include:
Collab Fertility service areas
Collab is proud to provide compassionate, comprehensive fertility coverage to people who live in Danville, Alamo, Orinda, Lafayette, Moraga, Piedmont, Walnut Creek, Oakland, San Ramon, Concord, Pleasant Hill, Santa Rosa, Novato, Napa, Sonoma, Vallejo, Fairfield, Vacaville, Sacramento, Martinez, Benicia, Brentwood, Oakley, Berkeley, Alameda, San Francisco, Davis, Mill Valley, Tiburon, Ross, Kentfield, Larkspur, San Rafael, and beyond.
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