{
  "legislationId": "119_HR_8119",
  "lastUpdate": "2026-04-13T14:36:24.455Z",
  "history": [
    {
      "timestamp": "2026-04-13T14:36:24.455Z",
      "source_url": "https://www.congress.gov/119/bills/hr8119/BILLS-119hr8119ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8119 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8119 To ensure coverage for the treatment of infertility for certain conditions. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Nunn of Iowa (for himself, Ms. Wasserman Schultz, Ms. Malliotakis, Ms. Houlahan, Ms. Lee of Florida, Mr. Norcross, Mr. Lawler, Mr. Ryan, Mrs. Kim, Mr. Goldman of New York, Mr. Van Orden, Mr. Landsman, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To ensure coverage for the treatment of infertility for certain conditions. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Helping to Optimize Patients' Experience with Fertility Services Act'' or the ``HOPE with Fertility Services Act''. SEC. 2. ENSURING BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. (a) In General.--Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by inserting after section 714 the following: ``SEC. 714A. STANDARDS RELATING TO BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. ``(a) In General.--A group health plan or a health insurance issuer offering group health insurance coverage shall ensure that such plan or coverage provides coverage for infertility or iatrogenic infertility treatments, including-- ``(1) the treatment of infertility, if such plan or coverage provides coverage for obstetrical services; and ``(2) standard fertility preservation services when a medically necessary treatment described in subparagraph (A), (B), (C), or (D) of subsection (b)(1) causes, or is expected to cause, iatrogenic infertility. ``(b) Definitions.--In this section: ``(1) Iatrogenic infertility.--The term `iatrogenic infertility' means an impairment of fertility due to damage of reproductive organs and processes resulting from-- ``(A) a surgical or other invasive medical procedure as a result of an injury or life-threatening illness, or involving a reproductive organ or process in a manner likely to cause damage to such organ or process; ``(B) radiation therapy; ``(C) chemotherapy; or ``(D) myeloablative conditioning. ``(2) Infertility.--The term `infertility' means a disease or condition characterized by-- ``(A) the inability to achieve spontaneous pregnancy without medical treatment after a period of at least 12 consecutive months of unprotected sexual intercourse; ``(B) the inability to achieve pregnancy after receiving standard clinical treatment protocols under the supervision of a treating physician who is a board- certified reproductive endocrinologist or obstetrician- gynecologist; ``(C) being incapable of reproduction to live birth based on medical and reproductive history, age, physical findings or diagnostic testing of the individual, as determined by a treating physician; or ``(D) the inability to achieve spontaneous pregnancy on account of a diagnosed condition that is a disorder of ovulation, or a testicular or hormonal disease or disorder. ``(3) Infertility or iatrogenic infertility treatment.--The term `infertility or iatrogenic infertility treatment' means treatments or procedures with the intent of facilitating a pregnancy, including-- ``(A) such treatments or procedures that involve the handling of human egg, sperm, and embryo outside of the body, including in vitro fertilization and maturation, egg and embryo cryopreservation, egg and embryo donation, and intracytoplasmic sperm injection; or ``(B) such treatments or procedures that do not involve the handling of human egg, sperm, and embryo outside of the body, including ovulation induction, genetic screening and diagnosis, sperm cryopreservation, and intrauterine insemination. ``(c) Required Coverage.--A group health plan and a health insurance issuer offering group health insurance coverage that includes coverage for obstetrical services shall provide comprehensive coverage for infertility or iatrogenic infertility treatments, as determined by the Secretary in consultation with relevant stakeholders, provided to a participant or beneficiary if-- ``(1) the participant or beneficiary has infertility, including iatrogenic infertility; and ``(2) the treatment or service is performed at a medical facility that is in compliance with standards set by appropriate Federal and State agencies. ``(d) Financial Requirements and Treatment Requirements.--Any coverage provided by a group health plan or health insurance issuer in accordance with this section may be subject to coverage limits (such as medical necessity, pre-authorization, or pre-certification) and cost- sharing requirements (such as coinsurance, copayments, and deductibles), as required under the group health plan or health insurance coverage, that are no more restrictive than the predominant coverage limits and cost-sharing requirements applied to substantially all medical and surgical benefits covered under the plan or coverage. ``(e) Prohibitions.--A group health plan and a health insurance issuer offering group health insurance coverage may not-- ``(1) provide incentives (monetary or otherwise) to a participant or beneficiary to encourage such participant or beneficiary not to be provided infertility or iatrogenic infertility treatments to which such participant or beneficiary is entitled under this section, or to providers to induce such providers not to provide such treatments to qualified participants and beneficiaries; ``(2) prohibit a provider from discussing with a participant or beneficiary infertility or iatrogenic infertility treatments or medical treatment options required to be covered under this section; or ``(3) penalize or otherwise reduce or limit the reimbursement of a provider because such provider provided infertility or iatrogenic infertility treatment services to a participant or beneficiary in accordance with this section. ``(f) Rule of Construction.--Nothing in this section shall be construed to-- ``(1) require a participant or beneficiary in a group health plan or group health insurance coverage to undergo infertility or iatrogenic infertility treatments; ``(2) impact the use by a group health plan or a health insurance issuer offering group health insurance coverage of utilization management tools; or ``(3) prevent a group health plan or a health insurance issuer offering group health insurance coverage from contracting with providers as to the level and type of reimbursement with a provider for care provided in accordance with this section. ``(g) Utilization Management Tools Requirements.-- ``(1) In general.--In the case of a group health plan or a health insurance issuer offering group health insurance coverage that imposes utilization management tools on infertility and iatrogenic infertility treatment benefits, for the first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, such plan or issuer shall perform and document analyses of the design and application of the utilization management tool such analysis and the following information: ``(A) The specific plan or coverage terms or other relevant terms regarding the utilization management tools and a description of all infertility or iatrogenic infertility treatment benefits, to which each such term applies in each respective benefits classification. ``(B) The factors used to determine that the utilization management tool will apply to infertility or iatrogenic infertility treatment benefits. ``(C) The evidentiary standards used for the factors identified under subparagraph (B), when applicable, provided that every factor shall be defined, and any other source or evidence relied upon to design and apply the utilization management tool to infertility and iatrogenic infertility treatment benefits. ``(D) An analysis demonstrating that the processes, strategies, evidentiary standards, and other factors used to apply the utilization management tools to infertility and iatrogenic infertility treatment benefits as written and in operation, are consistent with, and are applied no more stringently than with clinical guidelines for infertility or iatrogenic infertility treatments. ``(E) The specific findings and conclusions reached by the group health plan or health insurance issuer with respect to the health insurance coverage, including any results of the analyses described in this paragraph that indicate that the plan or coverage is or is not in compliance with this section. ``(2) Submission process.-- ``(A) Annual submission.--A group health plan or health insurance issuer offering group health insurance coverage shall submit to the Secretary the analyses described in paragraph (1) annually for first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act. For subsequent plan years, the Secretary may request that a group health plan or a health insurance issuer offering group health insurance coverage submit the analysis described in paragraph (1) in the case of potential violations of this section or complaints regarding noncompliance with this section that concern utilization management tools and any other instances in which the Secretary determines appropriate. ``(B) Additional information.--If the Secretary concludes that a group health plan or health insurance issuer has not submitted sufficient information for the Secretary to review the analysis described in paragraph (1), the Secretary shall specify to the plan or issuer the information the plan or issuer is required to submit pursuant to subparagraph (A). Nothing in this subparagraph shall require the Secretary to conclude that a group health plan or health insurance issuer is in compliance with this section solely based upon the inspection of the analyses described in paragraph (1), as requested under subparagraph (A). ``(3) Required action.-- ``(A) In general.--If, after review of the analyses described in paragraph (1), the Secretary notifies the group health plan or health insurance issuer that such plan or issuer is not in compliance with this section, the plan or issuer-- ``(i) shall specify to the Secretary the actions the plan or issuer will take to be in compliance with this section and provide to the Secretary additional analyses described in paragraph (1) that demonstrate compliance with this section not later than 45 days after the initial notification by the Secretary that the plan or issuer is not in compliance; and ``(ii) following the 45-day corrective action period under clause (i), if the Secretary makes a final determination that the plan or issuer still is not in compliance with this section, not later than 7 days after such determination, shall notify all individuals enrolled in the applicable plan or health insurance coverage that such plan or coverage has been determined to be not in compliance with this section. ``(B) Exemption from disclosure.--Documents or communications produced in connection with the Secretary's recommendations to a group health plan or health insurance issuer shall not be subject to disclosure pursuant to section 552 of title 5, United States Code. ``(4) Report.--For plan years beginning on or after January 1, 2027, the Secretary shall submit to Congress, and make publicly available, a report that contains-- ``(A) a summary of the analysis submitted under paragraph (1), including the identity of each group health plan or health insurance issuer offering health insurance coverage that is determined to be not in compliance after the final determination by the Secretary described in paragraph (3)(A)(ii); ``(B) the Secretary's conclusions as to whether each group health plan or health insurance issuer submitted sufficient information for the Secretary to review the analysis under paragraph (2); ``(C) for each group health plan or health insurance issuer that did submit sufficient information under paragraph (2), the Secretary's conclusions as to whether and why the plan or issuer is in compliance with the requirements under this section; ``(D) the Secretary's specifications described in paragraph (3) for each group health plan or health insurance issuer that the Secretary determined did not submit sufficient information for the Secretary to review the analyses described in paragraph (1) for compliance with this section; and ``(E) the actions the Secretary specifies under paragraph (3)(A)(i) that each group health plan or health insurance issuer that the Secretary determined is not in compliance with this section is required take to be in compliance with this section, including the reason why the Secretary determined the plan or issuer is not in compliance. ``(h) Notice.--Beginning with the second plan year beginning after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, a group health plan and a health insurance issuer offering group health insurance coverage shall provide notice to participants and beneficiaries in such plan or coverage regarding the coverage required by this section in accordance with regulations promulgated by the Secretary. ``(i) Effective Date.--This section, and the amendments made by this section, shall apply with respect to plan years beginning on or after January 1, 2027.''. (b) Enforcement.--Section 502 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1132) is amended-- (1) in subsection (a)(6), by striking ``or (9)'' and inserting ``(9), or (13)''; (2) in subsection (b)(3), by striking ``subsection (c)(9)'' and inserting ``paragraphs (9) and (13) of subsection (c)''; and (3) in subsection (c), by adding at the end the following: ``(13)(A) The Secretary may assess a civil penalty against a health insurance issuer for failing to provide coverage for infertility or iatrogenic infertility treatments as required under section 714A, in an amount up to $100 per day, beginning on the date on which the issuer first denies such coverage and ending on the date on which the issuer approves coverage, with respect to each participant or beneficiary denied such coverage in violation of such section. ``(B) The Secretary may assess a civil penalty against a health insurance issuer for failing to submit an analysis as required under section 714A(g)(2), in an amount up to $100 for each day, beginning 45 days after the date on which the Secretary notifies such issuer that the issuer is not in compliance with the requirement under section 714A(g)(2), and ending on the date on which the issue submits the analysis as required.''. (c) Conforming Amendment.--Section 731(c) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1191(c)) is amended by striking ``section 711'' and inserting ``sections 711 and 714A''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: The HOPE with Fertility Services Act: Mandatory Insurance for Infertility Treatment\nSummary: This act requires health insurance plans that cover pregnancy care to also provide coverage for infertility treatments, including IVF. It ensures that patients facing medical treatments that cause infertility, like chemotherapy, can access fertility preservation services.\nKey Points: Health plans must cover infertility treatments if they already provide maternity care., Coverage includes IVF, egg and embryo freezing, and artificial insemination., Special protection is provided for patients whose infertility is caused by surgery, radiation, or chemotherapy., Patient costs like copayments cannot be higher than for other standard medical services., Insurers are prohibited from discouraging patients or penalizing doctors for providing these treatments.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-13T14:12:24.020Z",
      "source_url": "https://www.congress.gov/119/bills/hr8119/BILLS-119hr8119ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8119 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8119 To ensure coverage for the treatment of infertility for certain conditions. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Nunn of Iowa (for himself, Ms. Wasserman Schultz, Ms. Malliotakis, Ms. Houlahan, Ms. Lee of Florida, Mr. Norcross, Mr. Lawler, Mr. Ryan, Mrs. Kim, Mr. Goldman of New York, Mr. Van Orden, Mr. Landsman, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To ensure coverage for the treatment of infertility for certain conditions. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Helping to Optimize Patients' Experience with Fertility Services Act'' or the ``HOPE with Fertility Services Act''. SEC. 2. ENSURING BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. (a) In General.--Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by inserting after section 714 the following: ``SEC. 714A. STANDARDS RELATING TO BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. ``(a) In General.--A group health plan or a health insurance issuer offering group health insurance coverage shall ensure that such plan or coverage provides coverage for infertility or iatrogenic infertility treatments, including-- ``(1) the treatment of infertility, if such plan or coverage provides coverage for obstetrical services; and ``(2) standard fertility preservation services when a medically necessary treatment described in subparagraph (A), (B), (C), or (D) of subsection (b)(1) causes, or is expected to cause, iatrogenic infertility. ``(b) Definitions.--In this section: ``(1) Iatrogenic infertility.--The term `iatrogenic infertility' means an impairment of fertility due to damage of reproductive organs and processes resulting from-- ``(A) a surgical or other invasive medical procedure as a result of an injury or life-threatening illness, or involving a reproductive organ or process in a manner likely to cause damage to such organ or process; ``(B) radiation therapy; ``(C) chemotherapy; or ``(D) myeloablative conditioning. ``(2) Infertility.--The term `infertility' means a disease or condition characterized by-- ``(A) the inability to achieve spontaneous pregnancy without medical treatment after a period of at least 12 consecutive months of unprotected sexual intercourse; ``(B) the inability to achieve pregnancy after receiving standard clinical treatment protocols under the supervision of a treating physician who is a board- certified reproductive endocrinologist or obstetrician- gynecologist; ``(C) being incapable of reproduction to live birth based on medical and reproductive history, age, physical findings or diagnostic testing of the individual, as determined by a treating physician; or ``(D) the inability to achieve spontaneous pregnancy on account of a diagnosed condition that is a disorder of ovulation, or a testicular or hormonal disease or disorder. ``(3) Infertility or iatrogenic infertility treatment.--The term `infertility or iatrogenic infertility treatment' means treatments or procedures with the intent of facilitating a pregnancy, including-- ``(A) such treatments or procedures that involve the handling of human egg, sperm, and embryo outside of the body, including in vitro fertilization and maturation, egg and embryo cryopreservation, egg and embryo donation, and intracytoplasmic sperm injection; or ``(B) such treatments or procedures that do not involve the handling of human egg, sperm, and embryo outside of the body, including ovulation induction, genetic screening and diagnosis, sperm cryopreservation, and intrauterine insemination. ``(c) Required Coverage.--A group health plan and a health insurance issuer offering group health insurance coverage that includes coverage for obstetrical services shall provide comprehensive coverage for infertility or iatrogenic infertility treatments, as determined by the Secretary in consultation with relevant stakeholders, provided to a participant or beneficiary if-- ``(1) the participant or beneficiary has infertility, including iatrogenic infertility; and ``(2) the treatment or service is performed at a medical facility that is in compliance with standards set by appropriate Federal and State agencies. ``(d) Financial Requirements and Treatment Requirements.--Any coverage provided by a group health plan or health insurance issuer in accordance with this section may be subject to coverage limits (such as medical necessity, pre-authorization, or pre-certification) and cost- sharing requirements (such as coinsurance, copayments, and deductibles), as required under the group health plan or health insurance coverage, that are no more restrictive than the predominant coverage limits and cost-sharing requirements applied to substantially all medical and surgical benefits covered under the plan or coverage. ``(e) Prohibitions.--A group health plan and a health insurance issuer offering group health insurance coverage may not-- ``(1) provide incentives (monetary or otherwise) to a participant or beneficiary to encourage such participant or beneficiary not to be provided infertility or iatrogenic infertility treatments to which such participant or beneficiary is entitled under this section, or to providers to induce such providers not to provide such treatments to qualified participants and beneficiaries; ``(2) prohibit a provider from discussing with a participant or beneficiary infertility or iatrogenic infertility treatments or medical treatment options required to be covered under this section; or ``(3) penalize or otherwise reduce or limit the reimbursement of a provider because such provider provided infertility or iatrogenic infertility treatment services to a participant or beneficiary in accordance with this section. ``(f) Rule of Construction.--Nothing in this section shall be construed to-- ``(1) require a participant or beneficiary in a group health plan or group health insurance coverage to undergo infertility or iatrogenic infertility treatments; ``(2) impact the use by a group health plan or a health insurance issuer offering group health insurance coverage of utilization management tools; or ``(3) prevent a group health plan or a health insurance issuer offering group health insurance coverage from contracting with providers as to the level and type of reimbursement with a provider for care provided in accordance with this section. ``(g) Utilization Management Tools Requirements.-- ``(1) In general.--In the case of a group health plan or a health insurance issuer offering group health insurance coverage that imposes utilization management tools on infertility and iatrogenic infertility treatment benefits, for the first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, such plan or issuer shall perform and document analyses of the design and application of the utilization management tool such analysis and the following information: ``(A) The specific plan or coverage terms or other relevant terms regarding the utilization management tools and a description of all infertility or iatrogenic infertility treatment benefits, to which each such term applies in each respective benefits classification. ``(B) The factors used to determine that the utilization management tool will apply to infertility or iatrogenic infertility treatment benefits. ``(C) The evidentiary standards used for the factors identified under subparagraph (B), when applicable, provided that every factor shall be defined, and any other source or evidence relied upon to design and apply the utilization management tool to infertility and iatrogenic infertility treatment benefits. ``(D) An analysis demonstrating that the processes, strategies, evidentiary standards, and other factors used to apply the utilization management tools to infertility and iatrogenic infertility treatment benefits as written and in operation, are consistent with, and are applied no more stringently than with clinical guidelines for infertility or iatrogenic infertility treatments. ``(E) The specific findings and conclusions reached by the group health plan or health insurance issuer with respect to the health insurance coverage, including any results of the analyses described in this paragraph that indicate that the plan or coverage is or is not in compliance with this section. ``(2) Submission process.-- ``(A) Annual submission.--A group health plan or health insurance issuer offering group health insurance coverage shall submit to the Secretary the analyses described in paragraph (1) annually for first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act. For subsequent plan years, the Secretary may request that a group health plan or a health insurance issuer offering group health insurance coverage submit the analysis described in paragraph (1) in the case of potential violations of this section or complaints regarding noncompliance with this section that concern utilization management tools and any other instances in which the Secretary determines appropriate. ``(B) Additional information.--If the Secretary concludes that a group health plan or health insurance issuer has not submitted sufficient information for the Secretary to review the analysis described in paragraph (1), the Secretary shall specify to the plan or issuer the information the plan or issuer is required to submit pursuant to subparagraph (A). Nothing in this subparagraph shall require the Secretary to conclude that a group health plan or health insurance issuer is in compliance with this section solely based upon the inspection of the analyses described in paragraph (1), as requested under subparagraph (A). ``(3) Required action.-- ``(A) In general.--If, after review of the analyses described in paragraph (1), the Secretary notifies the group health plan or health insurance issuer that such plan or issuer is not in compliance with this section, the plan or issuer-- ``(i) shall specify to the Secretary the actions the plan or issuer will take to be in compliance with this section and provide to the Secretary additional analyses described in paragraph (1) that demonstrate compliance with this section not later than 45 days after the initial notification by the Secretary that the plan or issuer is not in compliance; and ``(ii) following the 45-day corrective action period under clause (i), if the Secretary makes a final determination that the plan or issuer still is not in compliance with this section, not later than 7 days after such determination, shall notify all individuals enrolled in the applicable plan or health insurance coverage that such plan or coverage has been determined to be not in compliance with this section. ``(B) Exemption from disclosure.--Documents or communications produced in connection with the Secretary's recommendations to a group health plan or health insurance issuer shall not be subject to disclosure pursuant to section 552 of title 5, United States Code. ``(4) Report.--For plan years beginning on or after January 1, 2027, the Secretary shall submit to Congress, and make publicly available, a report that contains-- ``(A) a summary of the analysis submitted under paragraph (1), including the identity of each group health plan or health insurance issuer offering health insurance coverage that is determined to be not in compliance after the final determination by the Secretary described in paragraph (3)(A)(ii); ``(B) the Secretary's conclusions as to whether each group health plan or health insurance issuer submitted sufficient information for the Secretary to review the analysis under paragraph (2); ``(C) for each group health plan or health insurance issuer that did submit sufficient information under paragraph (2), the Secretary's conclusions as to whether and why the plan or issuer is in compliance with the requirements under this section; ``(D) the Secretary's specifications described in paragraph (3) for each group health plan or health insurance issuer that the Secretary determined did not submit sufficient information for the Secretary to review the analyses described in paragraph (1) for compliance with this section; and ``(E) the actions the Secretary specifies under paragraph (3)(A)(i) that each group health plan or health insurance issuer that the Secretary determined is not in compliance with this section is required take to be in compliance with this section, including the reason why the Secretary determined the plan or issuer is not in compliance. ``(h) Notice.--Beginning with the second plan year beginning after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, a group health plan and a health insurance issuer offering group health insurance coverage shall provide notice to participants and beneficiaries in such plan or coverage regarding the coverage required by this section in accordance with regulations promulgated by the Secretary. ``(i) Effective Date.--This section, and the amendments made by this section, shall apply with respect to plan years beginning on or after January 1, 2027.''. (b) Enforcement.--Section 502 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1132) is amended-- (1) in subsection (a)(6), by striking ``or (9)'' and inserting ``(9), or (13)''; (2) in subsection (b)(3), by striking ``subsection (c)(9)'' and inserting ``paragraphs (9) and (13) of subsection (c)''; and (3) in subsection (c), by adding at the end the following: ``(13)(A) The Secretary may assess a civil penalty against a health insurance issuer for failing to provide coverage for infertility or iatrogenic infertility treatments as required under section 714A, in an amount up to $100 per day, beginning on the date on which the issuer first denies such coverage and ending on the date on which the issuer approves coverage, with respect to each participant or beneficiary denied such coverage in violation of such section. ``(B) The Secretary may assess a civil penalty against a health insurance issuer for failing to submit an analysis as required under section 714A(g)(2), in an amount up to $100 for each day, beginning 45 days after the date on which the Secretary notifies such issuer that the issuer is not in compliance with the requirement under section 714A(g)(2), and ending on the date on which the issue submits the analysis as required.''. (c) Conforming Amendment.--Section 731(c) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1191(c)) is amended by striking ``section 711'' and inserting ``sections 711 and 714A''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o obowiązkowym ubezpieczeniu leczenia niepłodności i zachowania płodności\",\n  \"pl_summary\": \"Nowe przepisy nakładają na ubezpieczycieli obowiązek pokrywania kosztów leczenia niepłodności, w tym procedur takich jak in vitro. Zmiany obejmują także ochronę płodności dla osób przechodzących leczenie onkologiczne lub operacje zagrażające zdolnościom rozrodczym.\",\n  \"pl_key_points\": [\n    \"Ubezpieczyciele oferujący opiekę położniczą muszą teraz finansować leczenie niepłodności.\",\n    \"Pokrycie kosztów obejmuje in vitro (IVF), mrożenie komórek jajowych oraz inseminację.\",\n    \"Ochrona dotyczy także osób tracących płodność w wyniku chemioterapii, naświetlań lub operacji.\",\n    \"Koszty dla pacjenta (np. dopłaty) nie mogą być wyższe niż przy innych standardowych zabiegach medycznych.\",\n    \"Ubezpieczyciele nie mogą karać lekarzy za zlecanie tych zabiegów ani zniechęcać pacjentów do leczenia.\"\n  ],\n  \"eng_ai_title\": \"The HOPE with Fertility Services Act: Mandatory Insurance for Infertility Treatment\",\n  \"eng_summary\": \"This act requires health insurance plans that cover pregnancy care to also provide coverage for infertility treatments, including IVF. It ensures that patients facing medical treatments that cause infertility, like chemotherapy, can access fertility preservation services.\",\n  \"eng_key_points\": [\n    \"Health plans must cover infertility treatments if they already provide maternity care.\",\n    \"Coverage includes IVF, egg and embryo freezing, and artificial insemination.\",\n    \"Special protection is provided for patients whose infertility is caused by surgery, radiation, or chemotherapy.\",\n    \"Patient costs like copayments cannot be higher than for other standard medical services.\",\n    \"Insurers are prohibited from discouraging patients or penalizing doctors for providing these treatments.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur verpflichtenden Versicherung von Fruchtbarkeitsbehandlungen und In-vitro-Fertilisation\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Krankenversicherungen, die Kosten für Fruchtbarkeitsbehandlungen wie IVF zu übernehmen, sofern sie bereits Schwangerschaftsleistungen abdecken. Es sichert zudem den Erhalt der Fruchtbarkeit für Patienten, die sich Behandlungen wie einer Chemotherapie unterziehen müssen.\",\n  \"de_key_points\": [\n    \"Versicherungen müssen Fruchtbarkeitsbehandlungen abdecken, wenn sie Geburtshelferleistungen anbieten.\",\n    \"Die Deckung umfasst IVF, das Einfrieren von Eizellen und künstliche Befruchtung.\",\n    \"Schutz für Patienten, deren Unfruchtbarkeit durch Operationen, Bestrahlung oder Chemotherapie verursacht wird.\",\n    \"Zuzahlungen dürfen nicht höher sein als bei anderen medizinischen Standardleistungen.\",\n    \"Versicherer dürfen Ärzte nicht bestrafen oder Patienten von notwendigen Behandlungen abbringen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la couverture obligatoire des traitements contre l'infertilité et la préservation de la fertilité\",\n  \"fr_summary\": \"Cette loi oblige les assureurs de santé à couvrir les traitements contre l'infertilité, y compris la fécondation in vitro (FIV). Elle garantit également l'accès aux services de préservation de la fertilité pour les patients subissant des traitements médicaux lourds comme la chimiothérapie.\",\n  \"fr_key_points\": [\n    \"Les régimes d'assurance couvrant l'obstétrique doivent désormais inclure les soins de fertilité.\",\n    \"La couverture inclut la FIV, la congélation d'ovules et l'insémination artificielle.\",\n    \"Protection spécifique pour l'infertilité causée par la chirurgie, la radiothérapie ou la chimiothérapie.\",\n    \"Les frais à la charge du patient ne peuvent pas dépasser ceux des autres soins médicaux courants.\",\n    \"Il est interdit aux assureurs de décourager les patients ou de pénaliser les médecins pour ces soins.\"\n  ],\n  \"es_ai_title\": \"Ley de cobertura obligatoria para tratamientos de infertilidad y preservación de la fertilidad\",\n  \"es_summary\": \"Esta ley exige que los planes de seguro médico que cubren obstetricia también brinden cobertura para tratamientos de infertilidad, como la FIV. Asegura que los pacientes que enfrentan tratamientos médicos que causan infertilidad, como la quimioterapia, tengan acceso a servicios de preservación.\",\n  \"es_key_points\": [\n    \"Los seguros que ofrecen atención de maternidad ahora deben cubrir tratamientos de fertilidad.\",\n    \"La cobertura incluye FIV, congelación de óvulos e inseminación artificial.\",\n    \"Protección para pacientes cuya infertilidad es causada por cirugía, radiación o quimioterapia.\",\n    \"Los costos para el paciente no pueden ser más restrictivos que para otros servicios médicos.\",\n    \"Se prohíbe a las aseguradoras penalizar a los médicos o desincentivar a los pacientes para que no busquen tratamiento.\"\n  ],\n  \"it_ai_title\": \"Legge sulla copertura obbligatoria per i trattamenti contro l'infertilità e la preservazione della fertilità\",\n  \"it_summary\": \"Questa legge impone alle assicurazioni sanitarie che coprono l'ostetricia di includere anche i trattamenti per l'infertilità, come la fecondazione in vitro. Garantisce inoltre l'accesso alla preservazione della fertilità per i pazienti sottoposti a cure mediche come la chemioterapia.\",\n  \"it_key_points\": [\n    \"I piani sanitari con cure materne devono ora finanziare i trattamenti per la fertilità.\",\n    \"La copertura include la FIVET, il congelamento di ovuli e l'inseminazione artificiale.\",\n    \"Tutela per chi perde la fertilità a causa di interventi chirurgici, radiazioni o chemioterapia.\",\n    \"I costi a carico del paziente non possono essere superiori a quelli di altre prestazioni mediche.\",\n    \"Le assicurazioni non possono penalizzare i medici o scoraggiare i pazienti dal richiedere cure.\"\n  ],\n  \"nl_ai_title\": \"Wet op verplichte dekking voor vruchtbaarheidsbehandelingen en behoud van vruchtbaarheid\",\n  \"nl_summary\": \"Deze wet verplicht zorgverzekeraars die verloskundige zorg dekken om ook vruchtbaarheidsbehandelingen, zoals IVF, te vergoeden. Het waarborgt ook de toegang tot diensten voor het behoud van vruchtbaarheid voor patiënten die medische behandelingen zoals chemotherapie ondergaan.\",\n  \"nl_key_points\": [\n    \"Zorgplannen met zwangerschapszorg moeten nu ook vruchtbaarheidszorg dekken.\",\n    \"De dekking omvat IVF, het invriezen van eicellen en kunstmatige inseminatie.\",\n    \"Bescherming voor patiënten bij wie onvruchtbaarheid ontstaat door operaties, bestraling of chemotherapie.\",\n    \"Eigen bijdragen mogen niet hoger zijn dan voor andere standaard medische ingrepen.\",\n    \"Verzekeraars mogen artsen niet straffen of patiënten ontmoedigen om deze zorg te gebruiken.\"\n  ],\n  \"pt_ai_title\": \"Lei de cobertura obrigatória para tratamentos de infertilidade e preservação da fertilidade\",\n  \"pt_summary\": \"Esta lei exige que os planos de saúde que cobrem obstetrícia também ofereçam cobertura para tratamentos de infertilidade, incluindo a fertilização in vitro. Garante o acesso a serviços de preservação da fertilidade para pacientes que enfrentam tratamentos como a quimioterapia.\",\n  \"pt_key_points\": [\n    \"Planos de saúde com cuidados de maternidade devem agora cobrir tratamentos de fertilidade.\",\n    \"A cobertura inclui FIV, congelamento de óvulos e inseminação artificial.\",\n    \"Proteção para pacientes cuja infertilidade é causada por cirurgia, radiação ou quimioterapia.\",\n    \"Os custos para o paciente não podem ser superiores aos de outros serviços médicos comuns.\",\n    \"As seguradoras não podem penalizar médicos ou desencorajar pacientes de procurar tratamento.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Family\"\n  ]\n}"
    },
    {
      "timestamp": "2026-04-13T14:12:19.848Z",
      "source_url": "https://www.congress.gov/119/bills/hr8119/BILLS-119hr8119ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8119 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8119 To ensure coverage for the treatment of infertility for certain conditions. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Nunn of Iowa (for himself, Ms. Wasserman Schultz, Ms. Malliotakis, Ms. Houlahan, Ms. Lee of Florida, Mr. Norcross, Mr. Lawler, Mr. Ryan, Mrs. Kim, Mr. Goldman of New York, Mr. Van Orden, Mr. Landsman, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To ensure coverage for the treatment of infertility for certain conditions. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Helping to Optimize Patients' Experience with Fertility Services Act'' or the ``HOPE with Fertility Services Act''. SEC. 2. ENSURING BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. (a) In General.--Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by inserting after section 714 the following: ``SEC. 714A. STANDARDS RELATING TO BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. ``(a) In General.--A group health plan or a health insurance issuer offering group health insurance coverage shall ensure that such plan or coverage provides coverage for infertility or iatrogenic infertility treatments, including-- ``(1) the treatment of infertility, if such plan or coverage provides coverage for obstetrical services; and ``(2) standard fertility preservation services when a medically necessary treatment described in subparagraph (A), (B), (C), or (D) of subsection (b)(1) causes, or is expected to cause, iatrogenic infertility. ``(b) Definitions.--In this section: ``(1) Iatrogenic infertility.--The term `iatrogenic infertility' means an impairment of fertility due to damage of reproductive organs and processes resulting from-- ``(A) a surgical or other invasive medical procedure as a result of an injury or life-threatening illness, or involving a reproductive organ or process in a manner likely to cause damage to such organ or process; ``(B) radiation therapy; ``(C) chemotherapy; or ``(D) myeloablative conditioning. ``(2) Infertility.--The term `infertility' means a disease or condition characterized by-- ``(A) the inability to achieve spontaneous pregnancy without medical treatment after a period of at least 12 consecutive months of unprotected sexual intercourse; ``(B) the inability to achieve pregnancy after receiving standard clinical treatment protocols under the supervision of a treating physician who is a board- certified reproductive endocrinologist or obstetrician- gynecologist; ``(C) being incapable of reproduction to live birth based on medical and reproductive history, age, physical findings or diagnostic testing of the individual, as determined by a treating physician; or ``(D) the inability to achieve spontaneous pregnancy on account of a diagnosed condition that is a disorder of ovulation, or a testicular or hormonal disease or disorder. ``(3) Infertility or iatrogenic infertility treatment.--The term `infertility or iatrogenic infertility treatment' means treatments or procedures with the intent of facilitating a pregnancy, including-- ``(A) such treatments or procedures that involve the handling of human egg, sperm, and embryo outside of the body, including in vitro fertilization and maturation, egg and embryo cryopreservation, egg and embryo donation, and intracytoplasmic sperm injection; or ``(B) such treatments or procedures that do not involve the handling of human egg, sperm, and embryo outside of the body, including ovulation induction, genetic screening and diagnosis, sperm cryopreservation, and intrauterine insemination. ``(c) Required Coverage.--A group health plan and a health insurance issuer offering group health insurance coverage that includes coverage for obstetrical services shall provide comprehensive coverage for infertility or iatrogenic infertility treatments, as determined by the Secretary in consultation with relevant stakeholders, provided to a participant or beneficiary if-- ``(1) the participant or beneficiary has infertility, including iatrogenic infertility; and ``(2) the treatment or service is performed at a medical facility that is in compliance with standards set by appropriate Federal and State agencies. ``(d) Financial Requirements and Treatment Requirements.--Any coverage provided by a group health plan or health insurance issuer in accordance with this section may be subject to coverage limits (such as medical necessity, pre-authorization, or pre-certification) and cost- sharing requirements (such as coinsurance, copayments, and deductibles), as required under the group health plan or health insurance coverage, that are no more restrictive than the predominant coverage limits and cost-sharing requirements applied to substantially all medical and surgical benefits covered under the plan or coverage. ``(e) Prohibitions.--A group health plan and a health insurance issuer offering group health insurance coverage may not-- ``(1) provide incentives (monetary or otherwise) to a participant or beneficiary to encourage such participant or beneficiary not to be provided infertility or iatrogenic infertility treatments to which such participant or beneficiary is entitled under this section, or to providers to induce such providers not to provide such treatments to qualified participants and beneficiaries; ``(2) prohibit a provider from discussing with a participant or beneficiary infertility or iatrogenic infertility treatments or medical treatment options required to be covered under this section; or ``(3) penalize or otherwise reduce or limit the reimbursement of a provider because such provider provided infertility or iatrogenic infertility treatment services to a participant or beneficiary in accordance with this section. ``(f) Rule of Construction.--Nothing in this section shall be construed to-- ``(1) require a participant or beneficiary in a group health plan or group health insurance coverage to undergo infertility or iatrogenic infertility treatments; ``(2) impact the use by a group health plan or a health insurance issuer offering group health insurance coverage of utilization management tools; or ``(3) prevent a group health plan or a health insurance issuer offering group health insurance coverage from contracting with providers as to the level and type of reimbursement with a provider for care provided in accordance with this section. ``(g) Utilization Management Tools Requirements.-- ``(1) In general.--In the case of a group health plan or a health insurance issuer offering group health insurance coverage that imposes utilization management tools on infertility and iatrogenic infertility treatment benefits, for the first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, such plan or issuer shall perform and document analyses of the design and application of the utilization management tool such analysis and the following information: ``(A) The specific plan or coverage terms or other relevant terms regarding the utilization management tools and a description of all infertility or iatrogenic infertility treatment benefits, to which each such term applies in each respective benefits classification. ``(B) The factors used to determine that the utilization management tool will apply to infertility or iatrogenic infertility treatment benefits. ``(C) The evidentiary standards used for the factors identified under subparagraph (B), when applicable, provided that every factor shall be defined, and any other source or evidence relied upon to design and apply the utilization management tool to infertility and iatrogenic infertility treatment benefits. ``(D) An analysis demonstrating that the processes, strategies, evidentiary standards, and other factors used to apply the utilization management tools to infertility and iatrogenic infertility treatment benefits as written and in operation, are consistent with, and are applied no more stringently than with clinical guidelines for infertility or iatrogenic infertility treatments. ``(E) The specific findings and conclusions reached by the group health plan or health insurance issuer with respect to the health insurance coverage, including any results of the analyses described in this paragraph that indicate that the plan or coverage is or is not in compliance with this section. ``(2) Submission process.-- ``(A) Annual submission.--A group health plan or health insurance issuer offering group health insurance coverage shall submit to the Secretary the analyses described in paragraph (1) annually for first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act. For subsequent plan years, the Secretary may request that a group health plan or a health insurance issuer offering group health insurance coverage submit the analysis described in paragraph (1) in the case of potential violations of this section or complaints regarding noncompliance with this section that concern utilization management tools and any other instances in which the Secretary determines appropriate. ``(B) Additional information.--If the Secretary concludes that a group health plan or health insurance issuer has not submitted sufficient information for the Secretary to review the analysis described in paragraph (1), the Secretary shall specify to the plan or issuer the information the plan or issuer is required to submit pursuant to subparagraph (A). Nothing in this subparagraph shall require the Secretary to conclude that a group health plan or health insurance issuer is in compliance with this section solely based upon the inspection of the analyses described in paragraph (1), as requested under subparagraph (A). ``(3) Required action.-- ``(A) In general.--If, after review of the analyses described in paragraph (1), the Secretary notifies the group health plan or health insurance issuer that such plan or issuer is not in compliance with this section, the plan or issuer-- ``(i) shall specify to the Secretary the actions the plan or issuer will take to be in compliance with this section and provide to the Secretary additional analyses described in paragraph (1) that demonstrate compliance with this section not later than 45 days after the initial notification by the Secretary that the plan or issuer is not in compliance; and ``(ii) following the 45-day corrective action period under clause (i), if the Secretary makes a final determination that the plan or issuer still is not in compliance with this section, not later than 7 days after such determination, shall notify all individuals enrolled in the applicable plan or health insurance coverage that such plan or coverage has been determined to be not in compliance with this section. ``(B) Exemption from disclosure.--Documents or communications produced in connection with the Secretary's recommendations to a group health plan or health insurance issuer shall not be subject to disclosure pursuant to section 552 of title 5, United States Code. ``(4) Report.--For plan years beginning on or after January 1, 2027, the Secretary shall submit to Congress, and make publicly available, a report that contains-- ``(A) a summary of the analysis submitted under paragraph (1), including the identity of each group health plan or health insurance issuer offering health insurance coverage that is determined to be not in compliance after the final determination by the Secretary described in paragraph (3)(A)(ii); ``(B) the Secretary's conclusions as to whether each group health plan or health insurance issuer submitted sufficient information for the Secretary to review the analysis under paragraph (2); ``(C) for each group health plan or health insurance issuer that did submit sufficient information under paragraph (2), the Secretary's conclusions as to whether and why the plan or issuer is in compliance with the requirements under this section; ``(D) the Secretary's specifications described in paragraph (3) for each group health plan or health insurance issuer that the Secretary determined did not submit sufficient information for the Secretary to review the analyses described in paragraph (1) for compliance with this section; and ``(E) the actions the Secretary specifies under paragraph (3)(A)(i) that each group health plan or health insurance issuer that the Secretary determined is not in compliance with this section is required take to be in compliance with this section, including the reason why the Secretary determined the plan or issuer is not in compliance. ``(h) Notice.--Beginning with the second plan year beginning after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, a group health plan and a health insurance issuer offering group health insurance coverage shall provide notice to participants and beneficiaries in such plan or coverage regarding the coverage required by this section in accordance with regulations promulgated by the Secretary. ``(i) Effective Date.--This section, and the amendments made by this section, shall apply with respect to plan years beginning on or after January 1, 2027.''. (b) Enforcement.--Section 502 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1132) is amended-- (1) in subsection (a)(6), by striking ``or (9)'' and inserting ``(9), or (13)''; (2) in subsection (b)(3), by striking ``subsection (c)(9)'' and inserting ``paragraphs (9) and (13) of subsection (c)''; and (3) in subsection (c), by adding at the end the following: ``(13)(A) The Secretary may assess a civil penalty against a health insurance issuer for failing to provide coverage for infertility or iatrogenic infertility treatments as required under section 714A, in an amount up to $100 per day, beginning on the date on which the issuer first denies such coverage and ending on the date on which the issuer approves coverage, with respect to each participant or beneficiary denied such coverage in violation of such section. ``(B) The Secretary may assess a civil penalty against a health insurance issuer for failing to submit an analysis as required under section 714A(g)(2), in an amount up to $100 for each day, beginning 45 days after the date on which the Secretary notifies such issuer that the issuer is not in compliance with the requirement under section 714A(g)(2), and ending on the date on which the issue submits the analysis as required.''. (c) Conforming Amendment.--Section 731(c) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1191(c)) is amended by striking ``section 711'' and inserting ``sections 711 and 714A''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o obowiązkowym ubezpieczeniu leczenia niepłodności i zachowania płodności\",\n  \"pl_summary\": \"Nowe przepisy nakładają na ubezpieczycieli obowiązek pokrywania kosztów leczenia niepłodności, w tym procedur takich jak in vitro. Zmiany obejmują także ochronę płodności dla osób przechodzących leczenie onkologiczne lub operacje zagrażające zdolnościom rozrodczym.\",\n  \"pl_key_points\": [\n    \"Ubezpieczyciele oferujący opiekę położniczą muszą teraz finansować leczenie niepłodności.\",\n    \"Pokrycie kosztów obejmuje in vitro (IVF), mrożenie komórek jajowych oraz inseminację.\",\n    \"Ochrona dotyczy także osób tracących płodność w wyniku chemioterapii, naświetlań lub operacji.\",\n    \"Koszty dla pacjenta (np. dopłaty) nie mogą być wyższe niż przy innych standardowych zabiegach medycznych.\",\n    \"Ubezpieczyciele nie mogą karać lekarzy za zlecanie tych zabiegów ani zniechęcać pacjentów do leczenia.\"\n  ],\n  \"eng_ai_title\": \"The HOPE with Fertility Services Act: Mandatory Insurance for Infertility Treatment\",\n  \"eng_summary\": \"This act requires health insurance plans that cover pregnancy care to also provide coverage for infertility treatments, including IVF. It ensures that patients facing medical treatments that cause infertility, like chemotherapy, can access fertility preservation services.\",\n  \"eng_key_points\": [\n    \"Health plans must cover infertility treatments if they already provide maternity care.\",\n    \"Coverage includes IVF, egg and embryo freezing, and artificial insemination.\",\n    \"Special protection is provided for patients whose infertility is caused by surgery, radiation, or chemotherapy.\",\n    \"Patient costs like copayments cannot be higher than for other standard medical services.\",\n    \"Insurers are prohibited from discouraging patients or penalizing doctors for providing these treatments.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur verpflichtenden Versicherung von Fruchtbarkeitsbehandlungen und In-vitro-Fertilisation\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Krankenversicherungen, die Kosten für Fruchtbarkeitsbehandlungen wie IVF zu übernehmen, sofern sie bereits Schwangerschaftsleistungen abdecken. Es sichert zudem den Erhalt der Fruchtbarkeit für Patienten, die sich Behandlungen wie einer Chemotherapie unterziehen müssen.\",\n  \"de_key_points\": [\n    \"Versicherungen müssen Fruchtbarkeitsbehandlungen abdecken, wenn sie Geburtshelferleistungen anbieten.\",\n    \"Die Deckung umfasst IVF, das Einfrieren von Eizellen und künstliche Befruchtung.\",\n    \"Schutz für Patienten, deren Unfruchtbarkeit durch Operationen, Bestrahlung oder Chemotherapie verursacht wird.\",\n    \"Zuzahlungen dürfen nicht höher sein als bei anderen medizinischen Standardleistungen.\",\n    \"Versicherer dürfen Ärzte nicht bestrafen oder Patienten von notwendigen Behandlungen abbringen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la couverture obligatoire des traitements contre l'infertilité et la préservation de la fertilité\",\n  \"fr_summary\": \"Cette loi oblige les assureurs de santé à couvrir les traitements contre l'infertilité, y compris la fécondation in vitro (FIV). Elle garantit également l'accès aux services de préservation de la fertilité pour les patients subissant des traitements médicaux lourds comme la chimiothérapie.\",\n  \"fr_key_points\": [\n    \"Les régimes d'assurance couvrant l'obstétrique doivent désormais inclure les soins de fertilité.\",\n    \"La couverture inclut la FIV, la congélation d'ovules et l'insémination artificielle.\",\n    \"Protection spécifique pour l'infertilité causée par la chirurgie, la radiothérapie ou la chimiothérapie.\",\n    \"Les frais à la charge du patient ne peuvent pas dépasser ceux des autres soins médicaux courants.\",\n    \"Il est interdit aux assureurs de décourager les patients ou de pénaliser les médecins pour ces soins.\"\n  ],\n  \"es_ai_title\": \"Ley de cobertura obligatoria para tratamientos de infertilidad y preservación de la fertilidad\",\n  \"es_summary\": \"Esta ley exige que los planes de seguro médico que cubren obstetricia también brinden cobertura para tratamientos de infertilidad, como la FIV. Asegura que los pacientes que enfrentan tratamientos médicos que causan infertilidad, como la quimioterapia, tengan acceso a servicios de preservación.\",\n  \"es_key_points\": [\n    \"Los seguros que ofrecen atención de maternidad ahora deben cubrir tratamientos de fertilidad.\",\n    \"La cobertura incluye FIV, congelación de óvulos e inseminación artificial.\",\n    \"Protección para pacientes cuya infertilidad es causada por cirugía, radiación o quimioterapia.\",\n    \"Los costos para el paciente no pueden ser más restrictivos que para otros servicios médicos.\",\n    \"Se prohíbe a las aseguradoras penalizar a los médicos o desincentivar a los pacientes para que no busquen tratamiento.\"\n  ],\n  \"it_ai_title\": \"Legge sulla copertura obbligatoria per i trattamenti contro l'infertilità e la preservazione della fertilità\",\n  \"it_summary\": \"Questa legge impone alle assicurazioni sanitarie che coprono l'ostetricia di includere anche i trattamenti per l'infertilità, come la fecondazione in vitro. Garantisce inoltre l'accesso alla preservazione della fertilità per i pazienti sottoposti a cure mediche come la chemioterapia.\",\n  \"it_key_points\": [\n    \"I piani sanitari con cure materne devono ora finanziare i trattamenti per la fertilità.\",\n    \"La copertura include la FIVET, il congelamento di ovuli e l'inseminazione artificiale.\",\n    \"Tutela per chi perde la fertilità a causa di interventi chirurgici, radiazioni o chemioterapia.\",\n    \"I costi a carico del paziente non possono essere superiori a quelli di altre prestazioni mediche.\",\n    \"Le assicurazioni non possono penalizzare i medici o scoraggiare i pazienti dal richiedere cure.\"\n  ],\n  \"nl_ai_title\": \"Wet op verplichte dekking voor vruchtbaarheidsbehandelingen en behoud van vruchtbaarheid\",\n  \"nl_summary\": \"Deze wet verplicht zorgverzekeraars die verloskundige zorg dekken om ook vruchtbaarheidsbehandelingen, zoals IVF, te vergoeden. Het waarborgt ook de toegang tot diensten voor het behoud van vruchtbaarheid voor patiënten die medische behandelingen zoals chemotherapie ondergaan.\",\n  \"nl_key_points\": [\n    \"Zorgplannen met zwangerschapszorg moeten nu ook vruchtbaarheidszorg dekken.\",\n    \"De dekking omvat IVF, het invriezen van eicellen en kunstmatige inseminatie.\",\n    \"Bescherming voor patiënten bij wie onvruchtbaarheid ontstaat door operaties, bestraling of chemotherapie.\",\n    \"Eigen bijdragen mogen niet hoger zijn dan voor andere standaard medische ingrepen.\",\n    \"Verzekeraars mogen artsen niet straffen of patiënten ontmoedigen om deze zorg te gebruiken.\"\n  ],\n  \"pt_ai_title\": \"Lei de cobertura obrigatória para tratamentos de infertilidade e preservação da fertilidade\",\n  \"pt_summary\": \"Esta lei exige que os planos de saúde que cobrem obstetrícia também ofereçam cobertura para tratamentos de infertilidade, incluindo a fertilização in vitro. Garante o acesso a serviços de preservação da fertilidade para pacientes que enfrentam tratamentos como a quimioterapia.\",\n  \"pt_key_points\": [\n    \"Planos de saúde com cuidados de maternidade devem agora cobrir tratamentos de fertilidade.\",\n    \"A cobertura inclui FIV, congelamento de óvulos e inseminação artificial.\",\n    \"Proteção para pacientes cuja infertilidade é causada por cirurgia, radiação ou quimioterapia.\",\n    \"Os custos para o paciente não podem ser superiores aos de outros serviços médicos comuns.\",\n    \"As seguradoras não podem penalizar médicos ou desencorajar pacientes de procurar tratamento.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Family\"\n  ]\n}"
    },
    {
      "timestamp": "2026-04-13T14:11:55.788Z",
      "source_url": "https://www.congress.gov/119/bills/hr8119/BILLS-119hr8119ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8119 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8119 To ensure coverage for the treatment of infertility for certain conditions. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Nunn of Iowa (for himself, Ms. Wasserman Schultz, Ms. Malliotakis, Ms. Houlahan, Ms. Lee of Florida, Mr. Norcross, Mr. Lawler, Mr. Ryan, Mrs. Kim, Mr. Goldman of New York, Mr. Van Orden, Mr. Landsman, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To ensure coverage for the treatment of infertility for certain conditions. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Helping to Optimize Patients' Experience with Fertility Services Act'' or the ``HOPE with Fertility Services Act''. SEC. 2. ENSURING BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. (a) In General.--Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by inserting after section 714 the following: ``SEC. 714A. STANDARDS RELATING TO BENEFITS FOR TREATMENT OF INFERTILITY AND IATROGENIC INFERTILITY. ``(a) In General.--A group health plan or a health insurance issuer offering group health insurance coverage shall ensure that such plan or coverage provides coverage for infertility or iatrogenic infertility treatments, including-- ``(1) the treatment of infertility, if such plan or coverage provides coverage for obstetrical services; and ``(2) standard fertility preservation services when a medically necessary treatment described in subparagraph (A), (B), (C), or (D) of subsection (b)(1) causes, or is expected to cause, iatrogenic infertility. ``(b) Definitions.--In this section: ``(1) Iatrogenic infertility.--The term `iatrogenic infertility' means an impairment of fertility due to damage of reproductive organs and processes resulting from-- ``(A) a surgical or other invasive medical procedure as a result of an injury or life-threatening illness, or involving a reproductive organ or process in a manner likely to cause damage to such organ or process; ``(B) radiation therapy; ``(C) chemotherapy; or ``(D) myeloablative conditioning. ``(2) Infertility.--The term `infertility' means a disease or condition characterized by-- ``(A) the inability to achieve spontaneous pregnancy without medical treatment after a period of at least 12 consecutive months of unprotected sexual intercourse; ``(B) the inability to achieve pregnancy after receiving standard clinical treatment protocols under the supervision of a treating physician who is a board- certified reproductive endocrinologist or obstetrician- gynecologist; ``(C) being incapable of reproduction to live birth based on medical and reproductive history, age, physical findings or diagnostic testing of the individual, as determined by a treating physician; or ``(D) the inability to achieve spontaneous pregnancy on account of a diagnosed condition that is a disorder of ovulation, or a testicular or hormonal disease or disorder. ``(3) Infertility or iatrogenic infertility treatment.--The term `infertility or iatrogenic infertility treatment' means treatments or procedures with the intent of facilitating a pregnancy, including-- ``(A) such treatments or procedures that involve the handling of human egg, sperm, and embryo outside of the body, including in vitro fertilization and maturation, egg and embryo cryopreservation, egg and embryo donation, and intracytoplasmic sperm injection; or ``(B) such treatments or procedures that do not involve the handling of human egg, sperm, and embryo outside of the body, including ovulation induction, genetic screening and diagnosis, sperm cryopreservation, and intrauterine insemination. ``(c) Required Coverage.--A group health plan and a health insurance issuer offering group health insurance coverage that includes coverage for obstetrical services shall provide comprehensive coverage for infertility or iatrogenic infertility treatments, as determined by the Secretary in consultation with relevant stakeholders, provided to a participant or beneficiary if-- ``(1) the participant or beneficiary has infertility, including iatrogenic infertility; and ``(2) the treatment or service is performed at a medical facility that is in compliance with standards set by appropriate Federal and State agencies. ``(d) Financial Requirements and Treatment Requirements.--Any coverage provided by a group health plan or health insurance issuer in accordance with this section may be subject to coverage limits (such as medical necessity, pre-authorization, or pre-certification) and cost- sharing requirements (such as coinsurance, copayments, and deductibles), as required under the group health plan or health insurance coverage, that are no more restrictive than the predominant coverage limits and cost-sharing requirements applied to substantially all medical and surgical benefits covered under the plan or coverage. ``(e) Prohibitions.--A group health plan and a health insurance issuer offering group health insurance coverage may not-- ``(1) provide incentives (monetary or otherwise) to a participant or beneficiary to encourage such participant or beneficiary not to be provided infertility or iatrogenic infertility treatments to which such participant or beneficiary is entitled under this section, or to providers to induce such providers not to provide such treatments to qualified participants and beneficiaries; ``(2) prohibit a provider from discussing with a participant or beneficiary infertility or iatrogenic infertility treatments or medical treatment options required to be covered under this section; or ``(3) penalize or otherwise reduce or limit the reimbursement of a provider because such provider provided infertility or iatrogenic infertility treatment services to a participant or beneficiary in accordance with this section. ``(f) Rule of Construction.--Nothing in this section shall be construed to-- ``(1) require a participant or beneficiary in a group health plan or group health insurance coverage to undergo infertility or iatrogenic infertility treatments; ``(2) impact the use by a group health plan or a health insurance issuer offering group health insurance coverage of utilization management tools; or ``(3) prevent a group health plan or a health insurance issuer offering group health insurance coverage from contracting with providers as to the level and type of reimbursement with a provider for care provided in accordance with this section. ``(g) Utilization Management Tools Requirements.-- ``(1) In general.--In the case of a group health plan or a health insurance issuer offering group health insurance coverage that imposes utilization management tools on infertility and iatrogenic infertility treatment benefits, for the first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, such plan or issuer shall perform and document analyses of the design and application of the utilization management tool such analysis and the following information: ``(A) The specific plan or coverage terms or other relevant terms regarding the utilization management tools and a description of all infertility or iatrogenic infertility treatment benefits, to which each such term applies in each respective benefits classification. ``(B) The factors used to determine that the utilization management tool will apply to infertility or iatrogenic infertility treatment benefits. ``(C) The evidentiary standards used for the factors identified under subparagraph (B), when applicable, provided that every factor shall be defined, and any other source or evidence relied upon to design and apply the utilization management tool to infertility and iatrogenic infertility treatment benefits. ``(D) An analysis demonstrating that the processes, strategies, evidentiary standards, and other factors used to apply the utilization management tools to infertility and iatrogenic infertility treatment benefits as written and in operation, are consistent with, and are applied no more stringently than with clinical guidelines for infertility or iatrogenic infertility treatments. ``(E) The specific findings and conclusions reached by the group health plan or health insurance issuer with respect to the health insurance coverage, including any results of the analyses described in this paragraph that indicate that the plan or coverage is or is not in compliance with this section. ``(2) Submission process.-- ``(A) Annual submission.--A group health plan or health insurance issuer offering group health insurance coverage shall submit to the Secretary the analyses described in paragraph (1) annually for first 5 plan years that begin after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act. For subsequent plan years, the Secretary may request that a group health plan or a health insurance issuer offering group health insurance coverage submit the analysis described in paragraph (1) in the case of potential violations of this section or complaints regarding noncompliance with this section that concern utilization management tools and any other instances in which the Secretary determines appropriate. ``(B) Additional information.--If the Secretary concludes that a group health plan or health insurance issuer has not submitted sufficient information for the Secretary to review the analysis described in paragraph (1), the Secretary shall specify to the plan or issuer the information the plan or issuer is required to submit pursuant to subparagraph (A). Nothing in this subparagraph shall require the Secretary to conclude that a group health plan or health insurance issuer is in compliance with this section solely based upon the inspection of the analyses described in paragraph (1), as requested under subparagraph (A). ``(3) Required action.-- ``(A) In general.--If, after review of the analyses described in paragraph (1), the Secretary notifies the group health plan or health insurance issuer that such plan or issuer is not in compliance with this section, the plan or issuer-- ``(i) shall specify to the Secretary the actions the plan or issuer will take to be in compliance with this section and provide to the Secretary additional analyses described in paragraph (1) that demonstrate compliance with this section not later than 45 days after the initial notification by the Secretary that the plan or issuer is not in compliance; and ``(ii) following the 45-day corrective action period under clause (i), if the Secretary makes a final determination that the plan or issuer still is not in compliance with this section, not later than 7 days after such determination, shall notify all individuals enrolled in the applicable plan or health insurance coverage that such plan or coverage has been determined to be not in compliance with this section. ``(B) Exemption from disclosure.--Documents or communications produced in connection with the Secretary's recommendations to a group health plan or health insurance issuer shall not be subject to disclosure pursuant to section 552 of title 5, United States Code. ``(4) Report.--For plan years beginning on or after January 1, 2027, the Secretary shall submit to Congress, and make publicly available, a report that contains-- ``(A) a summary of the analysis submitted under paragraph (1), including the identity of each group health plan or health insurance issuer offering health insurance coverage that is determined to be not in compliance after the final determination by the Secretary described in paragraph (3)(A)(ii); ``(B) the Secretary's conclusions as to whether each group health plan or health insurance issuer submitted sufficient information for the Secretary to review the analysis under paragraph (2); ``(C) for each group health plan or health insurance issuer that did submit sufficient information under paragraph (2), the Secretary's conclusions as to whether and why the plan or issuer is in compliance with the requirements under this section; ``(D) the Secretary's specifications described in paragraph (3) for each group health plan or health insurance issuer that the Secretary determined did not submit sufficient information for the Secretary to review the analyses described in paragraph (1) for compliance with this section; and ``(E) the actions the Secretary specifies under paragraph (3)(A)(i) that each group health plan or health insurance issuer that the Secretary determined is not in compliance with this section is required take to be in compliance with this section, including the reason why the Secretary determined the plan or issuer is not in compliance. ``(h) Notice.--Beginning with the second plan year beginning after the date of enactment of the Helping to Optimize Patients' Experience with Fertility Services Act, a group health plan and a health insurance issuer offering group health insurance coverage shall provide notice to participants and beneficiaries in such plan or coverage regarding the coverage required by this section in accordance with regulations promulgated by the Secretary. ``(i) Effective Date.--This section, and the amendments made by this section, shall apply with respect to plan years beginning on or after January 1, 2027.''. (b) Enforcement.--Section 502 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1132) is amended-- (1) in subsection (a)(6), by striking ``or (9)'' and inserting ``(9), or (13)''; (2) in subsection (b)(3), by striking ``subsection (c)(9)'' and inserting ``paragraphs (9) and (13) of subsection (c)''; and (3) in subsection (c), by adding at the end the following: ``(13)(A) The Secretary may assess a civil penalty against a health insurance issuer for failing to provide coverage for infertility or iatrogenic infertility treatments as required under section 714A, in an amount up to $100 per day, beginning on the date on which the issuer first denies such coverage and ending on the date on which the issuer approves coverage, with respect to each participant or beneficiary denied such coverage in violation of such section. ``(B) The Secretary may assess a civil penalty against a health insurance issuer for failing to submit an analysis as required under section 714A(g)(2), in an amount up to $100 for each day, beginning 45 days after the date on which the Secretary notifies such issuer that the issuer is not in compliance with the requirement under section 714A(g)(2), and ending on the date on which the issue submits the analysis as required.''. (c) Conforming Amendment.--Section 731(c) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1191(c)) is amended by striking ``section 711'' and inserting ``sections 711 and 714A''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Obowiązkowe ubezpieczenie leczenia niepłodności i zabezpieczenia płodności dla pacjentów\",\n  \"pl_summary\": \"Ustawa nakłada na ubezpieczycieli obowiązek pokrywania kosztów leczenia niepłodności, w tym procedur takich jak in vitro. Zapewnia również ochronę płodności osobom, których zdolność do posiadania dzieci może zostać uszkodzona przez leczenie medyczne, np. chemioterapię.\",\n  \"pl_key_points\": [\n    \"Ubezpieczyciele muszą pokrywać koszty leczenia niepłodności, jeśli ich plany obejmują opiekę położniczą.\",\n    \"Gwarancja dostępu do procedur takich jak in vitro (IVF), mrożenie komórek jajowych oraz inseminacja.\",\n    \"Ochrona płodności dla osób przed operacjami, chemioterapią lub radioterapią.\",\n    \"Koszty i limity leczenia nie mogą być bardziej rygorystyczne niż w przypadku innych zabiegów medycznych.\",\n    \"Zakaz oferowania zachęt finansowych za rezygnację z leczenia niepłodności.\",\n    \"Kary finansowe dla ubezpieczycieli za bezprawne odmowy pokrycia kosztów leczenia.\"\n  ],\n  \"eng_ai_title\": \"Mandatory Health Insurance Coverage for Infertility and Fertility Preservation\",\n  \"eng_summary\": \"This Act requires health insurers to cover infertility treatments, including procedures like IVF. It also ensures fertility preservation for patients undergoing medical treatments that may cause infertility, such as chemotherapy.\",\n  \"eng_key_points\": [\n    \"Insurers must cover infertility treatments if their plans already include maternity care.\",\n    \"Guaranteed coverage for procedures like IVF, egg freezing, and intrauterine insemination.\",\n    \"Fertility preservation services for patients facing surgery, chemotherapy, or radiation.\",\n    \"Costs and treatment limits cannot be more restrictive than those for other medical services.\",\n    \"Insurers are prohibited from offering incentives to skip fertility treatments.\",\n    \"Financial penalties for insurers who wrongfully deny coverage for these services.\"\n  ],\n  \"de_ai_title\": \"Verpflichtende Krankenversicherung für Unfruchtbarkeitsbehandlungen und Fruchtbarkeitsvorsorge\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Krankenversicherungen, die Kosten für Unfruchtbarkeitsbehandlungen, einschließlich Verfahren wie IVF, zu übernehmen. Es sichert auch die Fruchtbarkeitsvorsorge für Patienten, deren Fortpflanzungsfähigkeit durch medizinische Behandlungen wie Chemotherapie gefährdet ist.\",\n  \"de_key_points\": [\n    \"Versicherer müssen Unfruchtbarkeitsbehandlungen abdecken, wenn ihr Plan Schwangerschaftsleistungen enthält.\",\n    \"Garantierte Deckung für Verfahren wie IVF, Einfrieren von Eizellen und Insemination.\",\n    \"Vorsorgeleistungen für Patienten vor Operationen, Chemo- oder Strahlentherapie.\",\n    \"Kosten und Behandlungslimits dürfen nicht strenger sein als bei anderen medizinischen Leistungen.\",\n    \"Verbot von finanziellen Anreizen für den Verzicht auf Unfruchtbarkeitsbehandlungen.\",\n    \"Geldstrafen für Versicherer bei unrechtmäßiger Ablehnung der Kostenübernahme.\"\n  ],\n  \"fr_ai_title\": \"Couverture d'assurance maladie obligatoire pour l'infertilité et la préservation de la fertilité\",\n  \"fr_summary\": \"Cette loi oblige les assureurs à couvrir les traitements contre l'infertilité, y compris la FIV. Elle garantit également la préservation de la fertilité pour les patients dont les traitements médicaux, comme la chimiothérapie, pourraient nuire à leur capacité d'avoir des enfants.\",\n  \"fr_key_points\": [\n    \"Les assureurs doivent couvrir l'infertilité si leurs contrats incluent des services d'obstétrique.\",\n    \"Couverture garantie pour la FIV, la congélation d'ovocytes et l'insémination artificielle.\",\n    \"Services de préservation de la fertilité avant une chirurgie, une chimiothérapie ou une radiothérapie.\",\n    \"Les frais et limites ne peuvent pas être plus stricts que pour d'autres soins médicaux.\",\n    \"Interdiction d'inciter financièrement les patients à renoncer aux traitements de fertilité.\",\n    \"Amendes pour les assureurs en cas de refus injustifié de prise en charge.\"\n  ],\n  \"es_ai_title\": \"Cobertura obligatoria de seguro médico para infertilidad y preservación de la fertilidad\",\n  \"es_summary\": \"Esta ley exige que los seguros médicos cubran los tratamientos de infertilidad, incluyendo procedimientos como la FIV. También asegura la preservación de la fertilidad para pacientes cuyos tratamientos médicos, como la quimioterapia, puedan afectar su capacidad de tener hijos.\",\n  \"es_key_points\": [\n    \"Los aseguradores deben cubrir la infertilidad si sus planes incluyen servicios de obstetricia.\",\n    \"Cobertura garantizada para FIV, congelación de óvulos e inseminación intrauterina.\",\n    \"Servicios de preservación de la fertilidad antes de cirugías, quimioterapia o radioterapia.\",\n    \"Los costos y límites no pueden ser más restrictivos que los de otros servicios médicos.\",\n    \"Prohibición de ofrecer incentivos para que los pacientes renuncien a tratamientos de fertilidad.\",\n    \"Multas para las aseguradoras que nieguen injustificadamente la cobertura.\"\n  ],\n  \"it_ai_title\": \"Copertura assicurativa obbligatoria per l'infertilità e la conservazione della fertilità\",\n  \"it_summary\": \"Questa legge impone agli assicuratori di coprire i trattamenti per l'infertilità, inclusa la fecondazione in vitro. Garantisce inoltre la conservazione della fertilità per i pazienti sottoposti a cure mediche, come la chemioterapia, che potrebbero compromettere la capacità riproduttiva.\",\n  \"it_key_points\": [\n    \"Le assicurazioni devono coprire l'infertilità se i loro piani includono l'assistenza ostetrica.\",\n    \"Copertura garantita per fecondazione in vitro (IVF), congelamento di ovociti e inseminazione.\",\n    \"Servizi di conservazione della fertilità prima di interventi chirurgici, chemio o radioterapia.\",\n    \"Costi e limiti non possono essere più restrittivi rispetto ad altre prestazioni mediche.\",\n    \"Divieto di offrire incentivi per indurre i pazienti a rinunciare alle cure per la fertilità.\",\n    \"Sanzioni pecuniarie per gli assicuratori che negano ingiustamente la copertura.\"\n  ],\n  \"nl_ai_title\": \"Verplichte zorgverzekering voor onvruchtbaarheidsbehandelingen en vruchtbaarheidsbehoud\",\n  \"nl_summary\": \"Deze wet verplicht verzekeraars om behandelingen voor onvruchtbaarheid, zoals IVF, te vergoeden. Het regelt ook het behoud van vruchtbaarheid voor patiënten die medische behandelingen ondergaan die hun vruchtbaarheid kunnen schaden, zoals chemotherapie.\",\n  \"nl_key_points\": [\n    \"Verzekeraars moeten onvruchtbaarheid dekken als hun pakket verloskundige zorg bevat.\",\n    \"Gegarandeerde dekking voor IVF, het invriezen van eicellen en kunstmatige inseminatie.\",\n    \"Vruchtbaarheidsbehoud voor patiënten die operaties, chemo of bestraling moeten ondergaan.\",\n    \"Kosten en beperkingen mogen niet strenger zijn dan voor andere medische ingrepen.\",\n    \"Verbod op financiële prikkels om patiënten te laten afzien van vruchtbaarheidsbehandelingen.\",\n    \"Boetes voor verzekeraars die onterecht weigeren de kosten te dekken.\"\n  ],\n  \"pt_ai_title\": \"Cobertura obrigatória de seguro de saúde para infertilidade e preservação da fertilidade\",\n  \"pt_summary\": \"Esta lei exige que as seguradoras cubram tratamentos de infertilidade, incluindo procedimentos como a fertilização in vitro. Garante também a preservação da fertilidade para pacientes cujos tratamentos médicos, como a quimioterapia, possam afetar a capacidade de ter filhos.\",\n  \"pt_key_points\": [\n    \"As seguradoras devem cobrir a infertilidade se os seus planos incluírem serviços de obstetrícia.\",\n    \"Cobertura garantida para fertilização in vitro (FIV), congelamento de óvulos e inseminação.\",\n    \"Serviços de preservação da fertilidade antes de cirurgias, quimioterapia ou radioterapia.\",\n    \"Custos e limites não podem ser mais restritivos do que para outros serviços médicos.\",\n    \"Proibição de oferecer incentivos para que os pacientes desistam de tratamentos de fertilidade.\",\n    \"Multas para seguradoras que neguem injustificadamente a cobertura destes serviços.\"\n  ],\n  \"category\": [\"Health\", \"Family\"]\n}"
    }
  ]
}