IVF Cost by State (Real Clinic Pricing, 2026)

Among states where at least one clinic publishes pricing, the cheapest median base IVF cycle is in Hawaii ($4,397.9); the most expensive is in New York ($17,600). Note: only ~20% of US clinics disclose prices publicly, so state medians are drawn from the disclosing minority — see caveat below.

Caveat: State medians are computed only from clinics that publish pricing on their website (typically the lower-cost end of the market — clinics confident in their pricing tend to display it). High-end and roll-up-network clinics overwhelmingly hide pricing. Treat these medians as floor estimates, not true state averages.

By state — sorted by median base cycle

State	Disclosing clinics	Median base	Range	Median meds	Mandate?
Hawaii	1 of 5	$4,397.9	—	—	Yes (partial)
Arizona	2 of 10	$7,925	$5,950–$9,900	—	No
Ohio	1 of 10	$8,400	—	—	Yes (diagnostic only)
Utah	2 of 4	$8,833	$8,795–$8,870	—	Yes (partial)
New Jersey	3 of 14	$8,950	$8,500–$14,400	—	Yes (partial)
Florida	3 of 26	$10,000	$8,000–$13,500	—	No
Missouri	1 of 9	$10,800	—	—	No
Connecticut	2 of 7	$10,875	$5,750–$16,000	—	Yes (partial)
West Virginia	2 of 2	$12,390	$12,000–$12,779	—	Yes (diagnostic only)
Texas	8 of 44	$12,813	$8,495–$16,500	$4,000	Yes (must offer)
Tennessee	3 of 7	$12,950	$12,000–$14,240	$3,000	No
Colorado	2 of 8	$13,312	$5,769–$20,855	$1,900	Yes (full)
Idaho	1 of 1	$14,000	—	—	No
Illinois	1 of 21	$14,000	—	—	Yes (full)
New Mexico	1 of 2	$14,900	—	$3,000	No
North Carolina	1 of 11	$15,225	—	—	No
Virginia	2 of 11	$15,450	$10,000–$20,900	—	No
California	4 of 85	$15,460	$11,930–$17,420	$8,500	Yes (full)
Indiana	1 of 7	$16,000	—	—	No
New York	4 of 44	$17,600	$3,999–$17,600	—	Yes (full)

Pricing extracted from clinic websites; medians computed only from clinics that publish a base cycle figure. Mandate column from 51-state insurance database (statute citations on each /us/insurance/<state> page).