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IVF in New York vs California

Which state offers better fertility treatment access?

New York

Insurance mandate
Full mandate
Coverage quality score
0.90
Est. total cost to baby
$55,028
Est. out-of-pocket
$19,260
Affordability ratio
23.7%
Affordability band
Very affordable
Clinic count
44
Clinics per 1M population
2.25
Median household income
$81,386
Access gap score
0.143

California

Insurance mandate
Full mandate
Coverage quality score
0.90
Est. total cost to baby
$58,780
Est. out-of-pocket
$20,573
Affordability ratio
22.4%
Affordability band
Very affordable
Clinic count
85
Clinics per 1M population
2.18
Median household income
$91,905
Access gap score
0.144

At a glance, New York offers better IVF access (gap score 0.143 vs 0.144) due to lower estimated out-of-pocket costs, and higher clinic density.

Access gap score: 0 = best access, 1 = worst. Combines affordability (40%), insurance coverage strength (30%), and clinic density (30%).

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