Understanding President Trump’s IVF Coverage Expansion Announcement
On October 16, 2025, President Trump announced that a recent agreement with EMD Serono and additional proposed IVF Policy measures should result in fertility drug discounts and expanded fertility treatment coverage. The proposed fertility drug cost reduction and IVF coverage expansion announcement has drawn national attention as a step in the right direction for increasing equitable access to life-changing healthcare; however, many current and prospective patients are justifiably uncertain as to when and how these measures may make a difference in their own family-building journeys.
It’s important to break down the recent Trump IVF announcement to understand the newfound potential benefits and limitations so that fertility patients are empowered to make the right decisions for their individualized treatment plans.
Understanding the IVF Policy is crucial for navigating the implications of the announcement effectively.
What the Announcement Includes
The Trump IVF announcement of 2025 introduced several proposals designed to make fertility care more affordable and accessible:
Discounted Fertility Medications
Pharmaceutical manufacturer EMD Serono and Trump’s administration have reached an agreement which will result in fertility drug cost reduction to align with the lowest prices being paid by other developed nations (most-favored nation or MFN price).
Launching in early 2026, the website TrumpRx.gov will connect patients directly with this fertility drug manufacturer, allowing eligible citizens to purchase fertility medications such as Gonal-F and Pergoveris at additionally discounted rates.
In particular:
- Low- and middle-income patients (earning below roughly $115,000 per year, or 550% of the federal poverty level) would qualify for additional discounts.
- These discounted rates are also expected to extend to State Medicaid programs once the plan is active.
New Employer Fertility Benefit Option
Employers will soon have the option to offer standalone fertility benefit packages, similar to how vision or dental coverage is provided.
Of note:
- This new fertility benefits employer insurance model would be entirely voluntary unless required by state law.
- Employers could choose to add these benefits separately from major medical coverage, offering another potential route to help employees manage the cost of treatment.
Investment and FDA Initiatives
The plan also includes commitments from EMD Serono to expand U.S. manufacturing and participate in an FDA program that prioritizes review of lower-cost fertility medications — part of a broader effort to support IVF cost reduction nationwide.
What It Means Right Now
While these proposals signal progress, it’s important to know what’s not yet guaranteed.
“We applaud the attention the current administration has given to the challenges faced by individuals struggling with infertility,” said RMA’s Dr. Scott Morin, Regional Medical Director of IVI RMA North America. “Recognizing the importance of accessible fertility treatment is an encouraging step, and we hope these discussions lead to meaningful, lasting benefits for patients. At the same time, we know that time is our patients’ most valuable resource. We urge anyone considering treatment not to postpone care in anticipation of future policy changes that may take time to develop or may not reach everyone equally.”
Important facts to consider:
- Discounts are not immediate. The new IVF drugs discount program will not go live until early 2026.
- Savings will vary. While exact discounts will depend upon dosage and eligibility, it is estimated that eligible candidates can save up to $2,200 per cycle in medication savings.
- Coverage remains optional. Employers are not required to offer fertility benefits unless mandated by state law.
- No change to clinical costs. The policy focuses on medication pricing and benefit design — not on procedure or lab costs such as monitoring, retrievals, or embryo freezing.
- Implementation could take time. Smaller employers and insurers may need a full plan year to update offerings once guidance is finalized.
- Inclusive access is essential. While the announcement often refers to women’s access, infertility affects all genders and family types — a point advocates are urging policymakers to keep front and center.
What Patients Should Do Now
Fertility care is highly personal, and timing is oftentimes critical. While future cost reductions are encouraging, waiting for policies that are still in development may not always be the best choice.
“Our priority is always to provide patients with clarity, confidence, and continuity of care,” said Dr. Morin. “While policy changes may eventually help improve access and affordability, our clinical teams remain focused on what we can do today—guiding each patient through evidence-based treatment decisions that optimize their chances for success now, not later.”
At RMA, our team encourages patients to:
- Speak with your physician to discuss your individualized treatment options and ideal timeline.
- Confer with our financial coordinators to review your insurance coverage, discuss available financial discount programs, and explore potential candidacy for benefiting from the measures introduced in the announcement.
- Talk to your employer about expanding or offering fertility coverage, especially in light of the new standalone benefit option announced by Trump.
FAQs: The Trump IVF Coverage Expansion
Can I buy fertility medications at a discounted rate through TrumpRx.gov now?
TrumpRx.gov is not yet launched, with the program expected to begin in early 2026. Patients should continue using their current pharmacy or speak to their financial counselors regarding available discount programs.
Who qualifies for the additional discount?
Those earning below 550% of the Federal Poverty Level—around $115,000 for an individual—will be eligible for the steepest discounts once the TrumpRx.gov program launches.
How much could I save per IVF cycle?
Discounts will vary depending upon income and medication needs, with a predicted maximum savings of $2,200 per cycle of fertility medications.
Will my employer have to offer fertility benefits?
No. The new option is voluntary, meaning each employer will decide whether to add it unless coverage is state mandated.
What services are included in the “continuum of fertility care”?
That list hasn’t been finalized, but the announcement references services ranging from diagnostic testing to IVF treatment. Details will depend on employer or insurer design.
When could employers start offering these benefits?
Implementation will vary. Many companies review benefits annually, so changes could take time once federal guidance is released.
Are all IVF costs included?
No. The announcement mainly targets medication costs. Lab work, monitoring, and other clinical fees may still fall outside the program.
Which medications will be discounted first?
The initial rollout is expected to include Gonal-F and Pergoveris, with more medications added later.
If I’m paying out of pocket, can I still get these discounts?
Yes, once the TrumpRx.gov platform launches. Our financial team can help you prepare and explore other discount options available today.
Could state laws or insurer rules affect my access?
Yes. Implementation could vary by state and insurance plan.
How can I encourage my employer to consider this new option?
You can share information from the White House Fact Sheet or RESOLVE’s advocacy tools with your HR department to start the conversation.
What support can RMA offer right now?
Our financial counselors can:
- Review your current benefits
- Estimate potential medication savings
- Help you plan your treatment timeline in light of upcoming policy changes
Next Steps
While Trump’s recent IVF coverage expansion and fertility drug discount announcement appears to be a promising step forward for fertility care being recognized as essential health care that must become more accessible. However, the true benefits and limitations of this announcement await to be seen. In the meantime, policymakers and advocates must remain vigilant in promoting awareness for equitable access to fertility care.
At RMA, we remain focused on what matters most: ensuring every patient has access to accurate information, personalized financial guidance, and the highest quality care on their path to parenthood.
Ready to take the next step? Schedule a consultation with an RMA specialist today.