Does insurance cover IVF in Colorado?
IVF coverage mandated
Yes, with a catch — Colorado law requires large employer plans (100+ employees) to cover IVF. Smaller plans are not required to include it.
What the law says
Colorado requires large-group plans (100+ employees) to cover IVF.
- 3 egg retrievals covered, unlimited embryo transfers
- Single embryo transfer when medically appropriate
- Fertility preservation covered
Statute: Colo. Rev. Stat. §10-16-104(23) · enacted 2020, effective 2023
The exemption that matters in every state
Self-insured (self-funded) employer plans are regulated by federal ERISA law, not state law, and are exempt from state coverage mandates. Roughly two-thirds of covered U.S. workers are on self-insured plans — your employer's benefits office can tell you which kind of plan you have.
Fertility clinics in Colorado
6 Colorado clinics report outcomes to the CDC's federally mandated registry — every profile shows the same age-stratified live-birth chart. See all clinics in Colorado.
This page summarizes state law for general information. It is not legal, medical, or insurance advice, and laws change. Confirm current coverage details with your insurer, your employer's benefits administrator, and the statute itself before making decisions. Source: RESOLVE: The National Infertility Association — Insurance Coverage by State. Last reviewed 2026-08-04.