United States Many Americans do not have
insurance coverage for fertility investigations and treatments. Many states are starting to mandate coverage, and the rate of use is 278% higher in states with complete coverage. Some health insurance companies cover the diagnosis of infertility, but once diagnosed, they frequently will not cover any treatment costs. Approximate treatment/diagnosis costs in the United States, with inflation, as of (US$): • Initial workup:
hysteroscopy,
hysterosalpingogram,
blood tests ~$ • Sonohysterogram (SHG) ~ $–$ • Clomiphene citrate cycle ~ $–$ • IVF cycle ~ $–$ • Use of a
surrogate mother to carry the child, dependent on arrangements Another way to look at costs is to determine the expected cost of establishing a pregnancy. Thus, if a clomiphene treatment has a chance to establish a pregnancy in 8% of cycles and costs $, the expected cost is $ to establish a pregnancy, compared to an IVF cycle (cycle fecundity 40%) with a corresponding expected cost of $ ($ × 40%). For the community as a whole, the cost of IVF on average pays back by 700% by tax from future employment by the conceived human being.
European Union In
Europe, 157,500 children were born using assisted reproductive technology in 2015, according to the
European Society of Human Reproduction and Embryology (ESHRE). but all ethical and legal questions on ART remain the prerogative of
EU member states. Across Europe, the legal criteria for availability vary somewhat. In 11 countries all women may benefit; in 8 others only heterosexual couples are concerned; in 7 only single women; and in 2 (
Austria and
Germany) only lesbian couples.
Spain was the first European country to open ART to all women, in 1977, the year the first sperm bank was opened there. In
France, the right to ART has been accorded to all women since 2019. In the last 15 years, legislation has evolved quickly. For example,
Portugal made ART available in 2006 with conditions very similar to those in France, before amending the law in 2016 to allow lesbian couples and single women to benefit.
Italy clarified its uncertain legal situation in 2004 by adopting Europe's strictest laws: ART is only available to heterosexual couples, married or otherwise, and sperm donation is prohibited. Today, 21 countries provide partial public funding for ART treatment. The seven others, which do not, are
Ireland,
Cyprus,
Estonia,
Latvia,
Luxembourg,
Malta, and
Romania. Such subsidies are subject to conditions, however. In
Belgium, a fixed payment of €1,073 is made for each IVF cycle process. The woman must be aged under 43 and may not carry out more than six cycles of ART. There is also a limit on the number of transferable embryos, which varies according to age and the number of cycles completed. In France, ART is subsidized in full by national health insurance for women up to age 43, with limits of 4 attempts at IVF and 6 at artificial insemination.
Germany tightened its conditions for public funding in 2004, which caused a sharp drop in the number of ART cycles carried out, from more than 102,000 in 2003 to fewer than 57,000 the following year. Since then, the figure has remained stable. 17 countries limit access to ART according to the age of the woman. 10 countries have established an upper age limit, varying from 40 (
Finland,
Netherlands) to 50 (including Spain,
Greece, and Estonia). Since 1994, France has been one of several countries (including Germany, Spain, and the UK) that use the somewhat vague notion of "natural age of procreation". In 2017, the steering council of France's Agency of Biomedicine established an age limit of 43 for women using ART. 10 countries have no age limit for ART. These include Austria,
Hungary, Italy and
Poland. Most European countries allow donations of gametes by third parties. But the situations vary depending on whether sperm or eggs are concerned. Sperm donations are authorized in 20 EU member states; in 11 of them, anonymity is allowed. Egg donations are possible in 17 states, including 8 under anonymous conditions. On 12 April, the
Council of Europe adopted a recommendation which encourages an end to anonymity. In the UK, anonymous sperm donations ended in 2005, and children have access to the identity of the donor when they reach adulthood. In France, the principle of anonymous donations of sperm or embryos is maintained in the law of bioethics of 2011, but a new bill under discussion may change the situation.
United Kingdom In the United Kingdom, all patients have the right to preliminary testing, provided free of charge by the
National Health Service (NHS). However, treatment is not widely available on the NHS, and there can be long waiting lists. Many patients, therefore, pay for immediate treatment within the NHS or seek help from private clinics. In 2013, the
National Institute for Health and Care Excellence (NICE) published new guidelines about who should have access to IVF treatment on the NHS in England and Wales. The guidelines say women aged between 40 and 42 should be offered one cycle of IVF on the NHS if they have never had IVF treatment before, have no evidence of low ovarian reserve (this is when eggs in the ovary are low in number, or low in quality), and have been informed of the additional implications of IVF and pregnancy at this age. However, if tests show IVF is the only treatment likely to help them get pregnant, women should be referred for IVF straight away. This policy is often modified by local
Clinical Commissioning Groups, in a fairly blatant breach of the
NHS Constitution for England, which provides that patients have the right to drugs and treatments that have been recommended by NICE for use in the NHS. For example, the Cheshire, Merseyside and West Lancashire Clinical Commissioning Group insists on additional conditions: • The person undergoing treatment must have commenced treatment before her 40th birthday; • The person undergoing treatment must have a BMI of between 19 and 29; • Neither partner must have any living children from either the current or previous relationships. This includes adopted as well as biological children; and, • Sub-fertility must not be the direct result of a sterilisation procedure in either partner (this does not include conditions where sterilisation occurs as a result of another medical problem). Couples who have undertaken a reversal of their sterilisation procedure are not eligible for treatment.
Canada Some treatments are covered by
OHIP (public health insurance) in Ontario, and others are not. Women with bilaterally blocked fallopian tubes and are under the age of 40 have treatment covered, but are still required to pay test fees (around CA$3,000–4,000). Coverage varies in other provinces. Most other patients are required to pay for treatments themselves.
Germany On 27 January 2009, the
Federal Constitutional Court ruled that it is unconstitutional, that the health insurance companies have to bear only 50% of the cost for IVF. On 2 March 2012, the
Federal Council has approved a draft law of some federal states, which provides that the federal government provides a subsidy of 25% to the cost. Thus, the share of costs borne for the pair would drop to just 25%. Since July 2017, assisted reproductive technology is also allowed for married lesbian couples, as German parliament allowed
same-sex marriages in Germany.
France In July 2020, the
French Parliament allowed assisted reproductive technology also for lesbian couples and single women.
Cuba Cuban sources mention that assisted reproduction is completely legal and free in the country.
India The Government of India has notified the Surrogacy (Regulation) Act 2021 and the Assisted Reproductive Technology (Regulation) Act 2021 to regulate the practice of ART. Before that, the National Guidelines for Accreditation, Supervision and Regulation of ART Clinics in India, published by the Ministry for Health and Family Welfare, Government of India in 2005, governed the field. Indian law recognises the right of a single woman, who is a major, to have children through ART.
Switzerland In Switzerland, since July 1, 2022, same-sex marriage has provided children of lesbian couples, one of whom is infertile, with the emotional and financial support of both parents. However, the gender inequality it enshrines could be further exacerbated by access to assisted reproductive technologies (ART) for single individuals. Reconsidering the framework for ART, previously reserved for couples, would also represent an additional financial burden for municipalities, as child support payments prevent the financial burden of single-parent families from being transferred to public authorities. Indeed, genetic tests conducted in paternity cases are not solely intended to allow the child to learn the identity of their biological father, but primarily serve to justify the child support payments that a reluctant father would have to make. In September 2025, the Federal Council announced its intention to amend family law to adapt it to the situation of parents who have used ART abroad. The ban on egg donation and surrogacy in Switzerland generates problematic reproductive tourism, as many intended parents circumvent the law by going abroad. In practice, for the child's own well-being, the child is rarely removed from its intended parents. According to
Samia Hurst, it would be possible to guarantee the rights of surrogate mothers by increasing the number of parents a child can have through the adoption of a three-parent model that includes two intended parents and the mother. == Society and culture ==