New legislation requires some insurance companies to cover infertility treatments in Colorado

For families unable to conceive the traditional way, diagnosis and treatments can cost up to $100,000 because insurance companies often don’t cover the costs. Nationally, only 17 states have required insurance companies to provide coverage for fertility treatments, but Colorado raises that number to 18.

“I’m so excited that this bill will pass because it’s the first time Colorado families of all kinds won’t have to bear the financial burden of finding ways to start a family,” Kavita said. Nair, a Denver resident who struggled with infertility.

Nearly 20 years ago, Nair discovered she couldn’t get pregnant due to a rare genetic condition. After several years of fertility treatments, miscarriages and spending nearly $60,000, Nair and her then-husband were able to have a daughter who is now a freshman in college.

“When I heard about this bill, it immediately reminded me of what this process was about and how much it has changed me,” Nair said.

Nair talks about Colorado HB22-1008, a bill that makes insurance plans for large employers (for companies with more than 100 employees) cover infertility treatments the same way they cover the treatment of illnesses. Under the new legislation, recently signed into law by Democratic Gov. Jared Polis, patients will pay for drugs, medical treatment and doctor visits as they would for an illness.

Tipper came up with the idea for Bill after she and her husband struggled to get pregnant. “We were both quite healthy and never thought it would be a problem to get pregnant. Then it became clear that we would need IVF,” Tipper said.

IVF stands for in vitro fertilization, a procedure where eggs are taken from a woman and fertilized with sperm outside the body to form an embryo.

“In the end we made it, but it was a lot of money out of our pocket, but now we have a healthy little girl. She is one and a half years old and she has transformed both of our lives,” said Tipping.

According to Tipper, the legislation aims to ensure fairness in health care for all people who are struggling to conceive a child.

“It’s something we can do to say, ‘Hey, we recognize this is a medical issue and there is a potential solution and we want you to have the best chance of accessing it. this solution,” she said.

The bill will come into force in January 2023.


Dana Knowles is a media reporter at Rocky Mountain PBS and can be reached at [email protected].

Brian Willie is head of content production at Rocky Mountain PBS. You can contact him at [email protected].

Kristan F. Talley