Egg freezing cost by US state in 2026
| 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 |
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
- [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/