Egg Freezing Cost by State
| State | From | To | Mandate | Population |
|---|---|---|---|---|
| California | $15,000 | $24,000 | SB 729 (Jan 2026), partial elective via large-group | ~39M |
| New York | $16,000 | $22,000 | Comprehensive infertility mandate, fertility preservation incl. | ~19M |
| Texas | $10,000 | $15,000 | No comprehensive mandate (must offer rule) | ~30M |
| Florida | $10,000 | $16,000 | State group plans iatrogenic preservation (Jan 2026) | ~22M |
| Illinois | $12,000 | $18,000 | Comprehensive mandate, IVF coverage required | ~12M |
| Massachusetts | $13,000 | $19,000 | Strongest mandate (since 1987) | ~7M |
| Washington | $12,000 | $18,000 | Limited; no comprehensive mandate | ~7.7M |
| Georgia | $10,000 | $15,000 | HB 94 (Jan 2026): iatrogenic infertility | ~10.7M |
| Colorado | $12,000 | $18,000 | Building Families Act mandate | ~5.8M |
| Pennsylvania | $11,000 | $16,000 | No comprehensive mandate | ~13M |
| Arizona | $10,000 | $15,000 | No comprehensive mandate | ~7.4M |
| North Carolina | $10,000 | $15,000 | State employee health plan covers IVF | ~10.7M |
How we calculated state costs
As of June 2026, each state’s mandate status column shows its full infertility coverage rules. Per-cycle state ranges come from FertilityIQ regional data, Cofertility metro-tier ranges, and clinic websites where available. Included are 2026 legislative updates: California SB 729, Georgia HB 94, Florida’s rule for iatrogenic infertility (infertility caused by medical treatment) in group plans, plus pending bills like Minnesota HF 1758 (not yet law). For mandate coverage details, see the insurance coverage page. Use these prices as reference only; check with specific clinics before relying on them.
Why these 12 states
These 12 states cover most of the US population and hold roughly 80% of fertility clinic capacity. We chose them because they have verifiable clinic pricing and complex state mandates. For smaller states, the page would rely on national averages and lack the per-state mandate details or clinic prices that make a dedicated page useful.
For states not in the list, start with the national average ($12,000 to $20,000) and change it based on your closest clinic’s metro tier. Cost differences usually follow metro tier, not state lines.
What laws were updated in 2026
- 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.
Further resources
- [1] FertilityIQ, “The Costs of Egg Freezing” (checked April 2026). https://www.fertilityiq.com/fertilityiq/articles/the-costs-of-egg-freezing
- [3] Cofertility, “Comparing Egg Freezing Costs Across the U.S. and Why Location Matters” (checked April 2026). https://www.cofertility.com/freeze-learn/comparing-egg-freezing-costs-across-the-u-s-and-why-location-matters
- [11] RESOLVE: The National Infertility Association, “Insurance Coverage by State” (checked April 2026). https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/
- [12] KFF (Kaiser Family Foundation), 2024, “Coverage and Use of Fertility Services in the U.S”. https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/