IVF is one of the most expensive medical treatments New Yorkers pay for, and prices vary widely between clinics and patients. Most people need more than one step: egg retrieval, fertilization in the lab, and one or more embryo transfers. Use the calculator to model cycles, medication, add-ons and your coverage, then compare it with the price ranges below.
IVF cost in NYC: what you pay for (2026)
| Item | Typical NYC price | Notes |
|---|---|---|
| IVF cycle (monitoring, retrieval, lab, fresh transfer) | $14,000–$20,000 | NYC average ≈ $17,600 |
| Medication | $3,000–$7,000 | Depends on protocol and dose |
| ICSI (sperm injection) | $1,500–$2,500 | Often recommended |
| PGT-A genetic testing | $3,500–$6,000 | Per cycle, depends on embryos tested |
| Frozen embryo transfer | $4,000–$6,000 | Each transfer |
| Embryo storage | $600–$1,200 / year | First year sometimes included |
| Typical all-in, one cycle | $20,000–$31,000 | Before insurance |
New York's IVF insurance mandate
- Who it covers: large-group, fully insured plans regulated by New York, generally employers with more than 100 employees.
- What it covers: up to three IVF cycles, plus related diagnostic testing and medication, subject to your plan's deductibles and coinsurance.
- Who it doesn't cover: self-insured employer plans, which follow federal rules rather than state mandates, plus many small-group and individual plans.
- Fertility preservation: separately, New York plans must cover egg or sperm freezing when medical treatment such as chemotherapy may cause infertility.
IVF vs. egg freezing costs
Egg freezing involves the same stimulation and retrieval as IVF, but the eggs are frozen instead of fertilized, so it typically costs a little less per cycle. Using those eggs later requires thawing, fertilization and transfer. See our egg freezing cost guide for a full breakdown.
How to lower your IVF costs
- Check employer coverage and fertility benefits before choosing a clinic.
- Ask about multi-cycle packages or refund programs, and read the eligibility rules carefully.
- Compare medication prices across specialty pharmacies and manufacturer discount programs.
- Use HSA or FSA funds. IVF and fertility medication are generally eligible medical expenses.
- Ask whether ICSI and PGT are medically recommended for you, since both add significant cost.
Frequently asked questions
How much does IVF cost in NYC?
About $17,600 per cycle on average before medication, according to a NYC fertility pricing guide, and roughly $20,000–$31,000 all-in once medication and common add-ons are included. Genetic testing (PGT) adds several thousand dollars more.
Does insurance cover IVF in New York?
Since 2020, New York requires large-group insurance plans (generally employers with more than 100 employees) to cover up to three IVF cycles. Self-insured employer plans are governed by federal law and are exempt, so check with HR whether your plan is fully insured or self-insured.
How much is IVF medication in NYC?
Usually $3,000 to $7,000 per cycle, depending on your protocol and dose. Higher doses are common for patients with lower ovarian reserve.
How much does a frozen embryo transfer cost?
A frozen embryo transfer (FET) typically adds about $4,000 to $6,000, including monitoring and the thaw. Many patients need one or more FETs after a retrieval cycle.
How much does PGT genetic testing add?
Preimplantation genetic testing for aneuploidy (PGT-A) typically adds about $3,500 to $6,000 per cycle in NYC, depending on how many embryos are biopsied. Pricing guides show it raising the average cycle from about $17,600 to about $20,400 before medication.
How many IVF cycles will I need?
It depends heavily on age and diagnosis. Many patients under 35 succeed within one or two retrievals, while older patients often need more. Your clinic can estimate this after testing, and national success rates are published by SART.
Sources & methodology
Prices are compiled from published provider price lists, government fee schedules and quotes, then adjusted for 2026. See how we price.