In the United States, overall availability of IVF in 2005 was 2.5 IVF physicians per 100,000 population, and utilisation was 236 IVF cycles per 100,000. 126 procedures are performed per million people per year. Utilisation highly increases with availability and IVF insurance coverage, and to a significant extent also with percentage of single persons and median income.  In the US, an average cycle, from egg retrieval to embryo implantation, costs $12,400, and insurance companies that do cover treatment, even partially, usually cap the number of cycles they pay for. As of 2015, more than 1 million babies had been born utilising IVF technologies.
In the US, nineteen states have laws requiring insurance coverage for infertility treatment, and thirteen of those specifically include IVF. These states that mandate IVF coverage are: Arkansas, California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas, Utah, and West Virginia. These laws differ by state but many require an egg be fertilised with sperm from a spouse and that in order to be covered you must show you cannot become pregnant through penile-vaginal sex. These requirements are not possible for a same-sex couple to meet. No state Medicaid program, however, covers for IVF according to a 2020 report.
Many fertility clinics in the United States limit the upper age at which people are eligible for IVF to 50 or 55 years. These cut-offs make it difficult for people older than fifty-five to utilise the procedure.