Egg freezing cost by US state in 2026
What egg freezing costs where you live
Pick a state, the number of retrieval cycles you are planning for, and how long you expect to store. Ranges are this site's researched per-cycle figures where a state cost page exists, and the national range everywhere else.
California has a researched cost page on this site: $15,000 to $24,000 per cycle, all in. Insurance mandate on file: California SB 729.
97 California clinics appear in the CDC 2022 ART file and 85 of them reported offering egg cryopreservation. The CDC file records clinics, cycle volume and services. It carries no prices, so it is never used for the figures above.
The 12 researched state cost pages
| State | Per-cycle range | Mandate status | Population |
|---|---|---|---|
| California | $15,000 to $24,000 | SB 729 (Jan 2026), partial elective via large-group | ~39M |
| New York | $16,000 to $22,000 | Comprehensive infertility mandate, fertility preservation incl. | ~19M |
| Texas | $10,000 to $15,000 | No comprehensive mandate (must offer rule) | ~30M |
| Florida | $10,000 to $16,000 | State group plans iatrogenic preservation (Jan 2026) | ~22M |
| Illinois | $12,000 to $18,000 | Comprehensive mandate, IVF coverage required | ~12M |
| Massachusetts | $13,000 to $19,000 | Strongest mandate (since 1987) | ~7M |
| Washington | $12,000 to $18,000 | Limited; no comprehensive mandate | ~7.7M |
| Georgia | $10,000 to $15,000 | HB 94 (Jan 2026): iatrogenic infertility | ~10.7M |
| Colorado | $12,000 to $18,000 | Building Families Act mandate | ~5.8M |
| Pennsylvania | $11,000 to $16,000 | No comprehensive mandate | ~13M |
| Arizona | $10,000 to $15,000 | No comprehensive mandate | ~7.4M |
| North Carolina | $10,000 to $15,000 | State employee health plan covers IVF | ~10.7M |
Cost pages exist for the 12 states above. The clinic directory covers every state and territory in the CDC 2022 ART file: 511 clinics, 454 of them reporting egg cryopreservation, with cycle volume, fertility-preservation cycles and age-stratified outcomes for each. Browse the US fertility clinic directory.
Methodology
State per-cycle ranges aggregate FertilityIQ regional data, Cofertility metro-tier ranges, and named clinic public pricing pages where available. The mandate status column summarises the comprehensive infertility-coverage status as of June 2026, including any 2026 legislative updates (California SB 729, Georgia HB 94, Florida iatrogenic group-plan rule) plus pending bills worth tracking (Minnesota HF 1758, not yet enacted). Mandate scope details on the insurance coverage page. State pricing is informational and aggregated; confirm with specific clinics before relying on figures.
Why these 12 states
The 12 states cover the majority of the US population and concentrate roughly 80% of fertility clinic capacity. Verifiable clinic public pricing and state-mandate complexity are the practical limits on per-state coverage: smaller-state pages would lean on national-average figures without adding the per-state mandate detail or named-clinic pricing that makes a dedicated page useful.
Patients in states not listed should reference the national average ($12,000 to $20,000) and adjust based on the metro-tier classification of their nearest fertility clinic. Most regional differences track metro tier more closely than state lines.
2026 state legislative updates
- California SB 729 (Jan 2026): IVF coverage on fully insured large-group plans; medically necessary preservation included.
- Georgia HB 94 (Jan 2026): state-regulated private insurance must cover medically necessary egg, sperm, embryo freezing for iatrogenic infertility.
- Florida (Jan 2026): state group health plans must cover fertility preservation for iatrogenic infertility.
- Minnesota HF 1758 (proposed): Building Families Act would require large group plans with maternity coverage to cover infertility diagnosis and treatment. Still in House committee as of June 2026 and not yet law.
Related
- US fertility clinic directory (CDC 2022 data, all states)
- Insurance coverage and state mandates
- Cost by country (international)
- National cost breakdown
- [1] The Costs of Egg Freezing to FertilityIQ, accessed April 2026. https://www.fertilityiq.com/fertilityiq/articles/the-costs-of-egg-freezing
- [3] Comparing Egg Freezing Costs Across the U.S. and Why Location Matters to Cofertility, accessed April 2026. https://www.cofertility.com/freeze-learn/comparing-egg-freezing-costs-across-the-u-s-and-why-location-matters
- [11] Insurance Coverage by State to RESOLVE: The National Infertility Association, accessed April 2026. https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/
- [12] Coverage and Use of Fertility Services in the U.S. to KFF (Kaiser Family Foundation), 2024. https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/