How Much Does IVF Cost in the US?

The price of IVF is one of the first things people search and one of the hardest to pin down, because clinics quote differently and the total depends on how many cycles you need. This guide uses the best published figures we could verify, with their dates: FertilityIQ’s patient cost data, RESOLVE’s count of state insurance laws, SART success rates and IRS rules. Treat every number as a starting point for questions, not a quote.

How much does one IVF cycle cost?

FertilityIQ reports that one IVF cycle cost about $22,000 in the United States as of 2019, including both treatment and medication, and says the average is "well over $20,000" once medication is included.¹ The cost varies by region and by whether you add procedures such as ICSI or genetic testing. The figure is from 2019, and prices have likely moved since, so use it to sanity-check quotes rather than as today’s price.

A cycle quote usually bundles several parts. Ask each clinic to itemize:

• Monitoring visits, blood tests and ultrasounds during stimulation
• Stimulation medications
• Egg retrieval and anesthesia
• Lab work: fertilization, embryo culture, ICSI if used
• Embryo freezing and the first year of storage
• Embryo transfer, fresh or frozen

What do IVF add-ons cost?

FertilityIQ’s estimates for common extras:¹

Ask your clinic which add-ons it recommends for your situation and why. Our IVF step by step guide explains what each one does.

What does IVF cost in total?

Because many people need more than one cycle, totals are much higher than one quote. FertilityIQ reports the average patient needs about 2.3 cycles to deliver a baby, and that cumulative costs for most fertility patients reach the $40,000 to $60,000 range.¹

Age is the biggest driver, since success per cycle falls with age. In SART’s final 2023 data for people using their own eggs, the share of egg retrievals that led to a live birth within a year was 53.2% under 35, 39.9% at 35 to 37, 26.2% at 38 to 40, 13.2% at 41 to 42 and 4.1% over 42.⁴ Lower odds per cycle mean more cycles, on average, for the same chance of a baby.

Transferring one embryo at a time can also lower total medical costs, because twins and triplets are expensive. A CDC-led analysis of 10,001 double embryo transfers in patients under 35 estimated that doing them instead as sequential single transfers would have cut combined treatment and pregnancy-related costs from $580.9 million to $386.0 million, while live birth rates rose from 57.7% to 68.0%.⁶

Does insurance cover IVF?

Coverage depends on your state, your employer and your plan. RESOLVE, which tracks state laws, counts 25 states with laws that provide some insurance coverage of infertility, 15 with IVF insurance mandates and 22 with fertility preservation mandates, as listed on its site in October 2026.² These categories overlap, and the laws vary a great deal in what they cover. ASRM’s patient FAQ uses a different count, 22 states and DC with laws requiring insurers to cover or offer some infertility diagnosis and treatment, which shows how much depends on how a law is classified.³ Overall, FertilityIQ estimates only about 20% of US patients have IVF coverage, so most costs are paid out of pocket.¹

Practical steps:

• Ask your employer’s benefits team whether your plan is self-insured. RESOLVE notes that self-insured employers are not bound by state insurance laws, so a state mandate may not reach your plan.²
• Ask what your plan covers per cycle and per lifetime, and whether medication is included.
• Check RESOLVE’s state-by-state page for your state’s law.²

IVF packages, refund programs and loans

FertilityIQ reports that about half of US clinics sell multi-cycle packages or refund ("shared risk") programs.¹ It is skeptical of refund programs: about two thirds of refund patients succeed in the first cycle, so many overpay for a result they would have had anyway, and long exclusion lists (medication, PGT, pre-treatment testing) mean most patients spend 25% to 50% beyond the quoted price.¹ Fertility loans are also widely offered; FertilityIQ notes most need a credit score above about 600.¹ Compare the full cost, including what is excluded, before signing.

Can you deduct IVF on your taxes?

IVF can count as a medical expense on a federal tax return. IRS Publication 502 includes procedures such as in vitro fertilization, including temporary storage of eggs or sperm, when they are done to overcome an inability to have children.⁵ You can deduct only the part of your total medical and dental expenses that is more than 7.5% of your adjusted gross income, and only if you itemize.⁵ Surrogacy-related expenses for a gestational carrier are treated differently in the same publication. Ask a tax professional about your situation.

How to lower the cost of IVF

• Get evaluated first. Some causes respond to simpler treatment. See when to see a fertility specialist and IUI vs IVF for when a cheaper treatment is reasonable.
• Compare clinics on success, not just price. Use SART’s clinic reports for your age group.
• Ask about single embryo transfer. It reduces the risk and cost of a multiple pregnancy.⁶
• Question add-ons. Ask what evidence supports each one for your diagnosis.¹
• Plan for more than one cycle. Budget for the total, not the first quote.

If you are thinking about freezing eggs rather than starting IVF now, see our egg freezing cost guide. For every treatment option, start at the Treat hub.