IVF self pay info?

Hello all – this is one of my first times posting to Reddit so forgive me if I’m not doing this right.

My husband and I have been trying to conceive for three years now. One early miscarriage in 2021 and endometriosis stage III diagnosis in March this year – we have done two unsuccessful IUIs and our fertility doctor is suggesting to not do more and just start the IVF journey when we are ready.

I have Kaiser right now and while they cover three IUIs, they don’t cover anything for IVF. My husband is in the process of trying to get 100% disability through the VA, he is at 90% right now and if he gets it, we are eligible for Tricare and will use that as primary insurance but I’ve looked into it and it doesn’t seem VA Tricare covers anything with infertility unless it is service/disability related which it is not.

Our fertility clinic gave us the idea to look into open enrollment to find and pay for an insurance plan that covers IVF and that paying monthly premiums will save us money rather than everything out of pocket.

We aren’t planning on starting the IVF process until 2025 so I am hoping these next few months, I can find something as open enrollment starts in November.

I’m coming here to see if anyone has any advice or information on different groups or plans that I can look into. We are in Colorado so I know that helps compared to other states.

Also – lets say I find a plan and we get pregnant with IVF 3/6 months in – do I need to continue to pay for the rest of the year or can I cancel the insurance? Is that legal? I’m clueless!

Thanks for reading if you got this far!