Story perspectives

Trump Enables Limited Fertility Insurance, Caps $120K Benefit

5/16/2026

Summary

Story summary

U.S. President Donald Trump announced a rule allowing employers to offer supplemental fertility insurance as a limited excepted benefit.
The rule caps benefits at $120,000 lifetime, indexed for inflation from 2028, while employers need not offer it, creating potentially uneven access for lower-income workers.
The American Society for Reproductive Medicine said the limited scope means Congress should mandate comprehensive IVF coverage under the Affordable Care Act.

1 of 1

Story summary

U.S. President Donald Trump announced a rule allowing employers to offer supplemental fertility insurance as a limited excepted benefit.
The rule caps benefits at $120,000 lifetime, indexed for inflation from 2028, while employers need not offer it, creating potentially uneven access for lower-income workers.
The American Society for Reproductive Medicine said the limited scope means Congress should mandate comprehensive IVF coverage under the Affordable Care Act.