By Brianna Keilar, CNN
(CNN) — Back in 2017, when my husband was still in the Army, we learned he was unexpectedly deploying right as we were going to start trying to get pregnant. Military families get accustomed to this pattern: You plan and the United States Armed Forces makes you go back to the drawing board.
Inconveniently, he had pre-deployment work travel pop up while I was ovulating, which is how we found ourselves explaining to the staff at a local fertility clinic that we needed to freeze my husband’s sperm so I could do an intrauterine insemination while he was away.
It was incredibly stressful. It was like the clinic had never dealt with a couple in our situation. We didn’t have fertility issues that we were aware of, but I was 37 and it felt like we didn’t have a month to waste. One staff member tried to charge us for a full IVF cycle, at a cost of at least $10,000. Ultimately, after a negotiation, we were able to get the job done a la carte for several hundred dollars.
The IUI didn’t work. Maybe I do have fertility issues, I thought. I wasn’t exactly young for having children.
I remember thinking how I wished I hadn’t switched to my husband’s military insurance, TRICARE. It covered only fertility issues related to “a serious or severe illness or injury while on active duty.” My employer-provided insurance did, though it was more expensive but significantly cheaper than paying for IVF out of pocket.
I should note that having the choice of two insurance options is something many military spouses do not have. My husband was at the end of his military career, and his home base was stationary. The constant moves that usually define military life wreak havoc on a military spouse finding a job, let alone maintaining a career. Military spouses have an unemployment rate four to five times the national average. TRICARE is often their only choice for medical coverage.
More than eight years after my failed IUI, as federal employees have seen an expansion in their fertility benefits, TRICARE still doesn’t offer fertility coverage. A couple of weeks ago, it really looked like it would, which is why as we ring in 2026, I am thinking of the military families struggling to have a baby, for whom this new year will be off to a bitter start.
They were banking on a provision in the massive defense bill signed into law by President Donald Trump just before the holidays that would have given them the same kind of access to fertility coverage that other federal employees have.
The IVF language easily passed out of committees in the House and Senate. But as the bill was buffed and polished into a final version for both chambers to pass and send to Trump’s desk, the IVF provision was stripped from the measure just days before a vote.
It was devastating for military family members like Courtney Deady and her husband, a member of the Ohio Air National Guard, who have been trying to have a baby for a decade.
They’ve spent $100,000 on multiple attempts to conceive by intrauterine insemination and in vitro fertilization.
“It’s the mental health, it’s the travel,” Deady said. “There’s so many other things, such as cryopreservation” of embryos.
Deady has one embryo left for one last round of IVF.
She was counting on the fertility coverage in the defense bill. It seemed like it had a real shot. After all, Trump campaigned on making IVF more accessible, and this was the first National Defense Authorization Act he would sign after he reentered the White House.
Broken campaign promise
On the trail in 2024, Trump had pledged that “under