This bill, titled the "Health Coverage for Inclusive and Valued Families Act of 2025," aims to significantly expand access to fertility services by amending the Patient Protection and Affordable Care Act (ACA). It designates fertility treatment and care as an essential health benefit (EHB), thereby requiring certain health plans to cover a comprehensive range of related services. This change would ensure broader coverage for individuals seeking fertility assistance. The legislation provides a detailed definition of "fertility treatment and care," encompassing medically appropriate items such as gamete preservation, artificial insemination, and assisted reproductive technology (ART), including in vitro fertilization (IVF) . For IVF, it mandates coverage for at least three complete oocyte retrievals and unlimited embryo transfers from those retrievals, following American Society for Reproductive Medicine guidelines. Furthermore, health insurance issuers in the individual or small group market would be prohibited from denying fertility benefits solely due to a lack of an infertility diagnosis. The bill also establishes that financial requirements and treatment limitations for fertility benefits must be no more restrictive than those applied to other medical and surgical benefits. To ensure transparency and compliance, issuers using utilization management tools for fertility care must conduct and submit detailed analyses for the first five plan years, with the Comptroller General reporting on these findings and all provisions taking effect one year after enactment.