Procedures › Fertility
IVF cost estimator
Default scenario (one cycle): $23,474 based on the published average.
Estimate your cost
Where these numbers come from
- FertilityIQ: one IVF cycle averages $23,474 including medication.
What changes the price
- Medication dose and protocol
- Genetic testing of embryos
- Frozen embryo transfers and storage
- State insurance mandates and employer fertility benefits
Insurance, HSA and paying over time
Generally eligible (IRS Pub. 502 lists procedures to overcome infertility). See the insurance & HSA guide and the payment calculator. Promotional “no interest if paid in full” healthcare cards charge the deferred interest from day one if the balance is not cleared in time.
FAQ
How much does ivf cost?
Default scenario (one cycle): $23,474 based on the published average. Use the estimator above for your situation; every figure comes from the sources listed on this page.
Can I use an HSA or FSA for ivf?
Generally eligible (IRS Pub. 502 lists procedures to overcome infertility). In 2026 the HSA limit is $4,400 (self-only) or $8,750 (family), and the health FSA limit is $3,400.
Why is there a range instead of one price?
Providers set their own prices and published surveys differ in method and year. We show the cited low, typical and high values rather than a single number.
Is this a quote?
No. It is an estimate for planning. If you are uninsured or self-paying, providers must give you a Good Faith Estimate under the No Surprises Act when you schedule.
What makes ivf cost more?
Medication dose and protocol; Genetic testing of embryos; Frozen embryo transfers and storage.
Sources
- The cost of IVF by city, FertilityIQ. Accessed 2026-10-23.
- Publication 502, Medical and Dental Expenses, IRS, 2025 edition. Accessed 2026-10-23.