How much does IVF cost?

IVF costs range from $8,000 to $25,000 per cycle depending on your location. The national median is approximately $11,000-$14,000 per cycle before medications.

Does insurance cover IVF?

Coverage varies widely. As of 2025, 21 states have fertility insurance mandates. Always check with your insurer for your specific benefits.

How many IVF cycles will I need?

The average number of cycles depends on age: under 35 averages 1.2 cycles, 35-37 averages 1.5, 38-40 averages 2.0, and over 40 may require 2-3 or more cycles.

What is the average IVF cost in the US?

The average IVF cycle costs approximately $11,000-$14,000 for the base procedure, plus $3,000-$6,000 for medications, for a total of $14,000-$20,000 per cycle at the median.

IVF Cost Calculator — Estimate Your Total IVF Costs

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State (where you'll be treated)

IVF costs vary significantly by state

Egg source

My own eggs Donor eggs+$25,000–$45,000 Frozen embryosAlready have embryos

Age range

Age affects medication protocol and number of cycles typically needed

How many cycles are you planning for?

1 cycle 2 cycles 3 cycles Not sureShow me typical success rates

Average cycles needed by age (SART data)

Age	Avg cycles to success	Notes
Under 35	~1.2 cycles	Most succeed within 1–2 cycles
35–37	~1.5 cycles	Good prognosis with own eggs
38–40	~2.0 cycles	Often need 2–3 cycles
41–42	~2.5 cycles	Lower per-cycle success rates
43+	~3.0 cycles	Many explore donor eggs

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This affects your out-of-pocket estimate.

Insurance coverage

No fertility coveragePaying entirely out of pocket Partial coverageSome costs covered by insurance Full coverageIVF cycles covered (with limits)

FSA or HSA account?

Yes, I have FSA/HSA funds

IVF and fertility medications are FSA/HSA eligible

What does your treatment include?

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Are medications included in your clinic's quoted price?

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Add-ons

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ICSI (Intracytoplasmic Sperm Injection)

Injecting sperm directly into egg. Recommended for male factor infertility.

+$1,500–$3,000

PGT-A Genetic Testing

Testing embryos for chromosomal abnormalities before transfer. Can improve success rates.

+$3,000–$6,000

Embryo Freezing & Storage

Freeze remaining viable embryos for future cycles.

+$500–$1,000 + storage

Assisted Hatching

Laser technique to help embryo implant. Recommended in some cases.

+$500–$1,500

ERA (Endometrial Receptivity Analysis)

Timing test to optimize transfer timing.

+$800–$1,200

Also explore

→ Compare egg freezing costs → Check surrogacy costs → How we calculate these numbers

Estimates based on published SART, ASRM, and CDC data. Costs vary significantly by clinic, protocol, and individual circumstances. This is not a quote. Always verify costs directly with your clinic.

IVF Cost Calculator

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