CostPrism
Medical Updated June 2026

IVF Cost Calculator

Calculate 2026 IVF costs by cycles, add-ons (ICSI, PGT genetic testing, donor eggs), and your state's insurance mandate status.

National avg: $15,000
Range: $10,000 – $30,000 per cycle
Used by 24,810 people

Enter Your Details

What Affects the Cost?

1. Base IVF Cycle Cost

A standard IVF cycle costs $10,000–$18,000 at most clinics. This typically includes egg retrieval, embryo creation, fresh embryo transfer, and ultrasound monitoring. It DOES NOT include fertility medications ($3,000–$8,000/cycle), genetic testing ($2,500–$6,000), or frozen embryo transfer ($3,000–$5,000).

2. Add-Ons That Drive Cost

ICSI (sperm injection): $1,000–$2,500 extra. PGT-A (preimplantation genetic testing): $2,500–$6,000 for testing + $250–$500 per embryo biopsied. Frozen embryo transfer (FET): $3,000–$5,000. Donor eggs: $25,000–$50,000 additional (fresh cycle with donor).

3. State Insurance Mandates

19 states require IVF insurance coverage: IL, MA, NJ, NY, CT, MD, RI, TX (limited), and others. In mandate states, out-of-pocket costs can drop to $0–$5,000 per cycle. Texas only mandates coverage for small employers. California mandates IUI but not IVF. Always call your insurance before choosing a clinic.

2026 Cost Reference Table

Type / Option Typical Cost Range
Base IVF cycle (egg retrieval + transfer) $10,000 – $18,000
Fertility medications (per cycle) $3,000 – $8,000
ICSI add-on $1,000 – $2,500
PGT-A genetic testing $2,500 – $6,000
Frozen embryo transfer (FET) $3,000 – $5,000
Donor egg IVF (fresh donor) $25,000 – $50,000

Frequently Asked Questions

A single IVF cycle costs $10,000–$18,000 for the procedure, plus $3,000–$8,000 for medications — totaling $13,000–$26,000 per cycle all-in. Most patients need 2–3 cycles. In states with insurance mandates, out-of-pocket costs can be dramatically lower.

19 states mandate some form of infertility insurance coverage. In mandate states, IVF is often covered after meeting your deductible. Outside mandate states, most employer plans exclude IVF. HSA/FSA funds can be used for IVF expenses.

Per the CDC's 2023 ART data: women under 35 have a 50–55% live birth rate per egg retrieval. Ages 35–37: 40–45%. Ages 38–40: 25–35%. Ages 41–42: 15–20%. Over 42: 5–10% (own eggs). Donor eggs achieve 45–50% regardless of recipient age.

Find Fertility Clinics & Financing Options

SART-member clinics publish their live birth rates — always compare success rates alongside pricing.

Check IVF Benefits via Progyny IVF Financing Options — CapexMD

Tips Before You Start

  • ✓ 19 states mandate insurance coverage for IVF — check if your state is one of them
  • ✓ Most patients need 2–3 cycles — plan financially for at least 2
  • ✓ Shared-risk / refund programs offer 70–80% refund if no live birth
  • ✓ Mini-IVF (lower drug doses) costs $5,000–$8,000/cycle for certain candidates
  • ✓ Fertility medication costs $3,000–$8,000/cycle and are often NOT included in base price

Cost by State — 2026

Based on national average pricing adjusted for local labor and material costs.