How much does In Vitro Fertilization (IVF) cost? Spending can pile up quickly, especially when you must cover expenses yourself without the benefit of third-party payments from insurers.

Follow our IVF cost breakdown by each state with and without insurance. You may be surprised to learn how many regional differences affect what you must spend to bring home a baby.

The types of optional procedures your endocrinologist recommends also affect what you might spend. Anything that improves your success rate reduces the chances that you may need to pay for a subsequent cycle out-of-pocket.

In Vitro Fertilization Cost Breakdown by State

Perform an In Vitro Fertilization (IVF) cost breakdown by each state to determine what you might spend to bring home a baby based upon your employer headquarters location, rather than where you live. The reason is simple.

Access to insurance is the number one factor affecting your spending level, and most applicable laws pertain to employer group plans rather than individuals. The laws are also state-based but apply to employees across the country.

Request an IVF loan to fund the balance you may need to pay yourself. Most states do not have a mandate.

With Insurance

Begin breaking down IVF costs with insurance by looking at the state laws where both spouses’ employers set up their headquarters. Sixteen states have laws mandating some form of coverage, which apply primarily to group plans.

  • The states with IVF insurance mandates are Arkansas, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, New Jersey, Rhode Island, and Texas.
  • The states with mandates requiring insurance to cover other infertility treatments are California, Louisiana, Montana, New York, Ohio, and West Virginia.

Complete the analysis by digging into what your insurance plan does cover. Every policy has different exclusions and limitations. You may have to pay a deductible, copayments, and coinsurance. If your clinic is out-of-network, you may need to factor in amounts above “usual customary and reasonable.” Some plans cover only specific treatments.

Learn more about which health insurance plans cover IVF.

Without Insurance

The average cost of IVF per cycle without insurance is approximately $12,000 before factoring in optional treatments, which we explore in the next section. Most couples will find that they must pay out-of-pocket for most expenses.

Any valid cost breakdown should look nine months into the future. Your state may also leave you without insurance covering the likely outcome, which compounds the financial challenges.

Supplemental health insurance can help close some of these gaps.

Forty-five states leave IVF parents without temporary disability insurance, which replaces mom’s income while she is unable to work because of complications of pregnancy prior to delivery, or while taking leave while recovering from childbirth.

Large states such as Arizona, Florida, Georgia, Illinois, Indiana, Michigan, and North Carolina do not have mandatory programs providing paid leave for mothers.

Forty states leave IVF parents without extended family leave job protections. FMLA provides only unpaid leave for approximately 40% of US workers. A handful provides additional job rights such as California, Minnesota, New Jersey, Rhode Island, Tennessee, and Washington.

In Vitro Fertilization Cost Breakdown by Procedure

Not every cycle employs the same techniques. Breakdown your In Vitro Fertilization costs by the optional procedures your clinic may recommend. These selections may improve your odds of a successful outcome, which may reduce the number of cycles you must fund in order to conceive.

IVF financing programs can provide added capital to add these optional procedures into the mix. Spending a relatively small amount to improve your odds of success may be a wise investment, especially if it helps you avoid multiple cycles.

Donor Eggs and Sperm

Adding donor eggs or sperm to your IVF cycle drives up the price for each cycle, but also may greatly improve your odds of success. Couples should partition the improvement in their projected success rates when contemplating the use of donors to determine the expected spending to bring home a baby.

Consider these example data. Your results will vary. Expected spending is the projected number of cycles needed for live birth times what you must spend per cycle.




w/o Donors



Donor Eggs



Donor Sperm



Intracytoplasmic Sperm Injection

Combining Intracytoplasmic Sperm Injection (ICSI) with IVF also drives up per-cycle costs, but improves success rates at the same time. During the procedure, your endocrinologist will take a single sperm and inject it directly into an egg. This step increases the odds of successful fertilization.

As before you want to combine incremental expense with the improved success rate to project the total number of cycles needed for a live birth.



w/o ICSI



With ICSI$14,00075%



IVF medications also add to costs and improve your success rates, which may reduce the number of cycles you must pay for out-of-pocket. Each drug has a unique price point and dosage per cycle, and you may need to purchase multiple rounds for each cycle.

Do not attempt to cut corners with your medications. Doing so may be penny-wise, but pound-foolish. By investing in success, you may avoid another far more expensive cycle.

Preimplantation Genetic Diagnosis (PGD)

Preimplantation Genetic Diagnosis (PGD) and gender selection complicate your IVF cycle cost breakdown. It may affect the number of cycles you must pay for out-of-pocket. The endocrinologist removes a cell from the embryo and runs a battery of tests to uncover any genetic disorders, and/or to identify the gender.

  • Embryo biopsies $1,800
  • Chromosomal analysis $3,500

Gender selection may increase the number of cycles needed as the endocrinologist selects the most viable embryos from a gender-based subset.

Screenings for genetic disorders may help you avoid implanting less viable embryos.

Further Reading Resources