Nearly 50% of large US employers now offer IVF benefits, but awareness gaps may leave workers paying thousands unnecessarily.
Half of large US employers now include IVF coverage in benefits packages, up from 22% in 2019. Despite this growth, many employees remain unaware of the coverage, risking out-of-pocket costs of $23,474 per cycle on average.
The average IVF cycle costs $23,474, with many patients requiring multiple rounds. Even with coverage, some workers still pay thousands, as seen in cases where families spent $8,000 out of pocket despite insurance support.
State mandates and platforms like Carrot Fertility are driving adoption, but inconsistent policies and low awareness persist. By 2026, 15 states and Washington, D.C. will require IVF coverage, further shaping employer offerings.