The "Right to IVF Act of 2026" is comprehensive legislation designed to safeguard and broaden access to assisted reproductive technology (ART) and intrauterine insemination (IUI) across the United States. Its primary goal is to ensure that patients can seek and receive ART/IUI, and that healthcare providers can offer these services, free from unwarranted state-level restrictions. The bill explicitly defines ART to include treatments like in vitro fertilization (IVF), egg/embryo cryopreservation, and donation, along with related medications. Title I, the "Protect IVF Act," establishes statutory rights for individuals to receive ART/IUI and make decisions regarding their reproductive genetic material. It also grants rights to healthcare providers to offer these services, to health insurance issuers to cover them, and to manufacturers to produce related drugs and devices. The bill empowers the Attorney General and private parties to enforce these rights, allowing civil actions against state actions that prohibit, limit, or impede access to ART/IUI. Prohibited state actions include imposing medically unnecessary procedures, restricting genetic material disposition, or discriminating based on protected characteristics. Title II, the "Veteran Families Health Services Act," focuses on expanding reproductive assistance for military personnel and veterans. Subtitle A mandates the Secretary of Defense to provide ART/IUI and counseling to uniformed service members and their spouses, partners, or gestational surrogates, regardless of sex, gender identity, sexual orientation, infertility diagnosis, or marital status. It also establishes fertility preservation procedures for service members facing injury or hazardous deployment, including cryopreservation of reproductive genetic material. Subtitle B extends similar ART/IUI and counseling benefits to veterans, integrating these services into the Department of Veterans Affairs' medical offerings and ensuring coordination between the DoD and VA. Title III, the "Access to Fertility Treatment and Care Act," mandates significant expansions in health insurance coverage for ART/IUI. It requires group health plans and health insurance issuers to cover these treatments, even without an infertility diagnosis, and prohibits discriminatory practices or excessive cost-sharing compared to other medical services. Furthermore, this title amends the Social Security Act to include ART/IUI as a covered service under State Medicaid plans and expands Medicare coverage for these treatments, waiving coinsurance and deductibles to improve affordability. Finally, Title IV, the "Family Building FEHB Fairness Act," ensures that federal employees also benefit from expanded access to fertility treatments. It amends federal employee health benefits (FEHB) to explicitly include ART and IUI benefits. These comprehensive provisions aim to create a nationwide framework that protects the right to access fertility care and ensures its availability through various public and private health insurance mechanisms.