California AB 2843 and SB 729 effective July 1, 2025 - Updated Carrier Responses Chart

Both bills are effective July 1, 2025. 

The charts below provide carrier specific information as to how each will be communicating the requirements.  

AB 2843 

• Effective July 1, 2025
• Applies to individual, small, and large group fully insured plans in California
• Requirement of a health care service plan or health insurance policy that is issued, amended, renewed, or delivered on or after July 1, 2025
• Must provide coverage without cost sharing for emergency room medical care and follow up health care treatment following rape or sexual assault for the first 9 months after enrollee initiates treatment
• The bill prohibits the plan or insurer from requiring, as a condition of providing coverage:
  • An enrollee or insured to file a police report
  • Charges to be brought against an assailant
  • Or an assailant to be convicted of rape or sexual assault

SB 729 

NOTE: The Governor of California did request that the effective date for SB 729 be moved to January 1, 2026. This has not yet been changed so we are documenting the carriers’ information as if the effective date is July 1, 2025 until we hear different. 

• Effective July 1, 2025
• Requires fully insured large group health plans in California to cover infertility benefits (large group = 101+ employees)
• Fully insured small group health plans in California can offer infertility benefits but are not required to do so
• Benefit must cover diagnosis and treatment of infertility and fertility services
• The bill requires coverage for a maximum of 3 completed oocyte retrievals and unlimited embryo transfers
• Limits cost sharing to the same structure as for other benefits (parity)
• The bill revises the definition of infertility and removes the exclusion of in vitro fertilization from coverage

The charts will be updated as carriers provide the latest information regarding their implementation of the requirements.

^{While every effort has been taken in compiling this information to ensure that its contents are totally accurate, neither the publisher nor the author can accept liability for any inaccuracies or changed circumstances of any information herein or for the consequences of any reliance placed upon it. This publication is distributed on the understanding that the publisher is not engaged in rendering legal, accounting, or other professional advice or services. Readers should always seek professional advice before entering into any commitments.}