IVF Cost by State: 2026 Report

IVF Cost by State

In the table below, we list the median published base price in each of the 40 states and DC with a priced clinic, with the lowest and highest price in each. In a state with one priced clinic, that clinic's price stands alone.

Our researchers drew three conclusions from the state data:

• We found that among states with at least three priced clinics, Minnesota has the highest median, $15,770, and Arizona the lowest, $7,250.
• Our data showed that prices vary more within some states than between them: Virginia runs from $4,999 to $20,900 and California from $4,995 to $18,000.
• We found that North Dakota's $21,000 is the highest single figure, from a health system news article quoting a financial representative, not a posted price list.

IVF Cost by Region

In the table below, we group published prices by Census region and add the median frozen embryo transfer and egg freezing prices printed on the same clinic pages.

Our team took three findings from the regional data:

• We found that the Northeast's median IVF price is $4,141 higher than the West's.
• Our data showed that the West is lowest on every measure in the table, including frozen transfers at $4,000 and egg freezing at $6,500.
• We found that several of the lowest Western prices are entry packages that leave out the embryo transfer, so part of the regional gap reflects what the price covers.

How Widely IVF Prices Vary

In the table below, we sort all 83 base prices into bands of $2,000, with the share of prices in each band and the running total.

Our researchers drew three conclusions from the price band data:

• We found that the most common band is $14,000 to $15,999, with 27 of the 83 prices.
• Our data showed that 89.2% of published prices fall below $16,000.
• We found that 10 prices, 12.0% of the total, are under $8,000, and most of these are entry packages or prices marked as starting points.

IVF Cost by Price Type

In the table below, we group base prices by what the clinic calls the price: a standard IVF cycle, an IVF package, IVF with ICSI, or a freeze-all package that freezes every embryo for a later transfer.

Our team took three findings from the price type data:

• We found that prices that include ICSI have the highest median, $14,300, and the narrowest range, starting at $10,000.
• Our data showed that freeze-all packages have the lowest median, $11,995, because the transfer is billed later as a separate frozen embryo transfer.
• We found that 54 of the 83 base prices are listed simply as an IVF cycle, the label that covers the widest range of services.

How Clinics Word Their IVF Prices

In the table below, we classify each base price by how the clinic prints it: a single price, a range, a floor such as starting at or as low as, or an estimate such as approximately or about.

Our researchers drew three conclusions from the wording data:

• We found that fewer than half of published base prices, 41.0%, are a single fixed figure.
• Our data showed that ranges and floors together make up 50.6% of prices, so the figure a patient sees is often the least a cycle will cost.
• We found that estimates have the highest median, $15,000, because clinics that estimate tend to describe a fuller cycle than clinics that post an entry price.

IVF Cost in States With and Without IVF Insurance Laws

In the table below, we compare published self-pay prices in states with a law requiring insurers to cover IVF and in states without one, coded from RESOLVE's state-by-state summary.

Our team took three findings from the insurance law data:

• We found that clinics in states with an IVF coverage law publish a median price $1,350 higher than clinics elsewhere.
• Our data showed that frozen embryo transfers run lower in states with a law, a median $4,000 against $4,500.
• We found that the laws apply to fully insured plans and self-insured employer plans are exempt in nearly every state, so a state law does not guarantee coverage, and published prices remain self-pay figures.

Costs Outside the Base IVF Price

In the table below, we pull the other prices printed on the same clinic pages, with the median, the middle half, and the full range for each.

Our researchers drew three conclusions from the add-on data:

• We found that none of the 83 base prices say medications are included: 61 exclude them and 22 do not say.
• Our data showed that a frozen embryo transfer adds a median $4,360, and half of the 42 published transfer prices fall between $3,815 and $5,000.
• We found that an egg freezing cycle, listed on 32 of the same pages, costs a median $7,950, and egg storage adds a median $750 a year where a page prints it.

Frozen Embryo Transfer Cost by Region

In the table below, we group the 42 frozen embryo transfer prices printed on the same clinic pages by Census region and compare each with the IVF base price those clinics publish.

Our team took three findings from the frozen transfer data:

• We found that a frozen embryo transfer costs a median $4,360, about a third of the same clinic's IVF price, at a median 34.7%.
• Our data showed that 61.9% of published transfer prices fall between $3,000 and $4,999, and only two are $6,000 or more.
• We found that none of the 42 transfer prices say medications are included: 29 exclude them and 13 do not say.

Estimated Cost of a First IVF Attempt

In the table below, we add up the published prices for a first IVF attempt with one frozen embryo transfer, using the lower quartile, the median, and the upper quartile of each item.

Our researchers drew three conclusions from the cost estimate:

• We found that a first IVF attempt with one frozen transfer comes to about $20,520 at the median of each published price, and $16,815 to $23,300 between the lower and upper quartiles.
• Our data showed that the base cycle makes up 61.7% of that median total, so the advertised price leaves out close to two-fifths of the cost.
• We found that using the high end of clinic medication estimates, a median $6,500, raises the median total to $23,520.

How Many Fertility Clinics Publish IVF Prices

In the table below, we compare the clinic entries that publish an IVF price with the clinic entries we checked that publish none, by region.

Our team took three findings from the transparency data:

• We found that about one in three clinic entries we checked publishes no IVF price at all.
• Our data showed that the Midwest has the lowest publishing rate, 62.5%, and the Northeast and West the highest, 71.4%.
• We found that ten states, including Michigan and Alabama, had no clinic with a published IVF price, so a price there comes only by request.

What Published IVF Prices Mean for Patients Comparing Clinics

For a patient paying out of pocket, the published base price is a starting point, not a total. Medications, a frozen transfer, and genetic testing can add thousands, and clinics bundle those items differently, so two prices that look alike can cover different care.

Price transparency is still uneven: a large share of clinics publish no price, and the prices that are posted are often floors or ranges. Where prices are posted, they cluster within a few thousand dollars of each other, with the West lower and the Northeast higher.

So if you are comparing IVF clinics, ask each one for the price of a full cycle with medications and one frozen transfer, so the totals line up.