OR HB2959

Requires health insurance plans (large employer, small employer, and individual) to cover fertility treatments including in vitro fertilization, intrauterine insemination, cryopreservation of eggs/sperm/embryos, and related medications and procedures

Mandates coverage of at least three completed oocyte retrievals with unlimited embryo transfers, and six completed egg retrievals per lifetime

Defines infertility as failure to establish pregnancy after 12 months of unprotected intercourse (under age 35) or 6 months (age 35+), or inability to reproduce without medical intervention as a single person or with a partner

Directs Oregon Health Authority and Department of Consumer and Business Services to study access to fertility services and report findings by September 15, 2026, including recommendations on reducing barriers and addressing inequities based on race, gender identity, sexual orientation, income, and disability

Coverage requirements apply to policies issued, renewed, or extended on or after January 1, 2026; declared an emergency effective upon passage