The Affordable Care Act does not specifically address, nor does it require, artificial insemination. Therefore, you'll have to check policy-by-policy to see if a carrier will cover artificial insemination in your state. Best bet is to work with an agent as he/she may know the answer offhand, or will certainly be able to get an answer quickly and come back to you with available choices.
There are twelve states have insurance mandates that either require that health insurance companies cover infertility treatments, or require that the insurer offer at least one plan that covers infertility. Most of these mandates apply to group policies, rather than those issued to individuals.
Since the mandate applies to group plans, the first avenue to look at is the employer plans for both spouses. Group plans must comply with the insurance laws in the state where the policy was issued - most frequently that is the headquarters state of the employer.
The states with mandates just happen to be those with the largest number of large national employers (California, Connecticut, Illinois, Massachusetts, New Jersey, New York). If one or both employers is headquartered in one of those states, your odds are better.
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Since the mandate applies to group plans, the first avenue to look at is the employer plans for both spouses. Group plans must comply with the insurance laws in the state where the policy was issued - most frequently that is the headquarters state of the employer.
The states with mandates just happen to be those with the largest number of large national employers (California, Connecticut, Illinois, Massachusetts, New Jersey, New York). If one or both employers is headquartered in one of those states, your odds are better.