Typical cost: $15,000–$25,000 per cycle · Mandate as of 2025
California has some of the highest IVF costs in the nation, particularly in the San Francisco Bay Area and Los Angeles. However, California recently expanded access significantly: SB 729 (signed 2024) requires large group insurers to cover infertility treatment including IVF starting in 2025. This is a major development that may substantially reduce out-of-pocket costs for many Californians. Clinics in California are generally high-quality, with strong SART success rate data.
Insurance coverage in California
California passed SB 729 in 2024, requiring large group health insurance plans (100+ employees) to cover infertility treatment including IVF starting January 1, 2025. This is a significant expansion. Patients with qualifying employer coverage may now have substantial IVF coverage. Self-insured (ERISA) plans are exempt.
| City / Region | Typical cost per cycle | Mandate applies? |
|---|---|---|
| Los Angeles | $15,000–$23,000 | Yes |
| San Francisco Bay Area | $17,000–$25,000 | Yes |
| San Diego | $14,000–$22,000 | Yes |
| Sacramento | $13,000–$20,000 | Yes |
Costs are base procedure estimates. Add $3,000–$6,000 for medications if billed separately.
| Market | Cost per cycle | Insurance mandate |
|---|---|---|
| California | $15,000–$25,000 | Mandate as of 2025 |
| National average | $11,000–$14,000 | Varies by state |
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IVF in California costs $15,000–$25,000 per cycle, among the highest in the country. The San Francisco Bay Area tends to be the most expensive market. As of 2025, large employer plans must cover infertility treatment.
Yes. SB 729 signed in 2024 requires large group plans (100+ employees) to cover IVF starting January 1, 2025. This is one of the most comprehensive mandates in the US. Self-insured ERISA plans are exempt.
Sacramento and the Inland Empire generally have lower IVF costs than San Francisco or Los Angeles. However, given the new insurance mandate, your out-of-pocket cost may be significantly reduced regardless of location.