Healthcare Costs
IVF Cost by State 2026
Average IVF Cost
$9,000
$9,500
$10,000
$10,500
$11,000
$11,500
$12,000
$12,500
$13,000
State | Average IVF Cost↓ | Mandatory Insurance Coverage | |
|---|---|---|---|
 | Wyoming | $12,593 | No Mandatory Coverage |
 | Kentucky | $12,508 | Fertility Preservation |
 | Montana | $12,444 | Fertility Perservation and Some Infertility |
 | Indiana | $12,280 | No Mandatory Coverage |
 | Arkansas | $12,032 | IVF |
 | Pennsylvania | $11,976 | No Mandatory Coverage |
 | New York | $11,836 | IVF and Fertility Preservation |
 | South Carolina | $11,790 | No Mandatory Coverage |
 | Texas | $11,790 | Fertility Perservation, with Infertility or IVF offered but not required |
 | Georgia | $11,727 | Fertility Preservation |
 | Louisiana | $11,696 | Fertility Perservation and Some Infertility |
 | Alabama | $11,605 | No Mandatory Coverage |
 | Tennessee | $11,558 | No Mandatory Coverage |
 | Arizona | $11,467 | No Mandatory Coverage |
 | Nebraska | $11,235 | No Mandatory Coverage |
 | Michigan | $11,227 | No Mandatory Coverage |
 | Illinois | $11,157 | IVF and Fertility Preservation |
 | West Virginia | $11,145 | Some Infertility |
 | Connecticut | $11,143 | IVF and Fertility Preservation |
 | Ohio | $10,892 | Some Infertility |
 | Idaho | $10,832 | No Mandatory Coverage |
 | Missouri | $10,828 | No Mandatory Coverage |
 | Wisconsin | $10,790 | No Mandatory Coverage |
 | Vermont | $10,746 | No Mandatory Coverage |
 | Hawaii | $10,743 | IVF |
 | California | $10,709 | IVF and Fertility Preservation |
 | North Carolina | $10,709 | No Mandatory Coverage |
 | Nevada | $10,707 | Fertility Preservation |
 | Colorado | $10,676 | IVF and Fertility Preservation |
 | New Mexico | $10,638 | No Mandatory Coverage |
 | Iowa | $10,596 | No Mandatory Coverage |
 | Rhode Island | $10,498 | IVF and Fertility Preservation |
 | Maryland | $10,456 | IVF and Fertility Preservation |
 | South Dakota | $10,390 | No Mandatory Coverage |
 | Minnesota | $10,388 | No Mandatory Coverage |
 | Florida | $10,286 | Fertility Preservation |
 | Kansas | $10,223 | No Mandatory Coverage |
 | Oklahoma | $10,193 | Fertility Preservation |
 | Alaska | $10,116 | No Mandatory Coverage |
 | Massachusetts | $10,076 | IVF and Fertility Preservation |
 | Washington | $10,059 | No Mandatory Coverage |
 | District of Columbia | $9,908 | IVF and Fertility Preservation |
 | Oregon | $9,881 | No Mandatory Coverage |
 | North Dakota | $9,678 | No Mandatory Coverage |
 | New Hampshire | $9,467 | IVF and Fertility Preservation |
 | New Jersey | $9,350 | IVF and Fertility Preservation |
 | Virginia | $9,245 | No Mandatory Coverage |
 | Maine | $9,128 | IVF and Fertility Preservation |
 | Mississippi | $9,123 | No Mandatory Coverage |
 | Delaware | $9,111 | IVF and Fertility Preservation |
 | Utah | $9,098 | IVF and Fertility Preservation |
- Additional costs not shown in the table may include:
- Intracytoplasmic Sperm Injection (ICSI) - $1,000-$2,500 per cycle
- Preimplantation Genetic Testing (PGT) - $3,000-$7,000
- Embryo Freezing & Storage - $500-$1,000 per year + initial freezing fees
- Donor Eggs or Sperm - $5,000-$15,000
- Additional Monitoring or Procedures - $500-$2,000
- Costs shown represent averages. Individual charges may be higher or lower depending upon service provider, availability, and additional factors.
