Fertility Treatment Financial Warranties Use AI Models

New AI-driven financial tools offer IVF patients partial refunds if they do not achieve a live birth.

Updated on Oct. 21, 2026 in Pregnancy

Gouache-painted illustration of a minimalist ceramic vessel on a wooden pedestal, evoking calm financial security for fertility treatment patients. — Sunfish, an Los Angeles-based startup, is offering financial warranties for IVF patients, providing partial refunds if treatments do not result in live births. AI Illustration. Upload story photo >

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Would you trust a technology company's AI prediction to help manage your fertility treatment costs?

Sunfish, an Los Angeles-based startup, uses artificial intelligence to model fertility treatment costs and provide financial warranties for patients. The service aims to mitigate the high out-of-pocket expenses associated with IVF by offering partial refunds if a live birth is not achieved.

Why it matters

Managing the financial risk of fertility treatments is a primary challenge for many patients, as costs often vary significantly between clinics. This model seeks to provide more predictable pricing and financial security for families navigating complex reproductive care.

The company reports that 79% of its IVF patients aged 40 and under achieved pregnancy, compared to the 54.3% national SART benchmark. While the model relies on over 2 million clinical data points and a 97% confidence interval, long-term success rates across diverse populations remain under study.

The players

Sunfish

A Los Angeles-based financial technology company that uses AI to provide pricing models and warranties for fertility treatments.

Angela Rastegar

The founder of Sunfish who launched the company in 2022 to address the financial challenges of fertility care.

The details

Sunfish utilizes clinical data including bloodwork, uterine scans, and health markers to build custom financial plans for fertility patients. The platform provides a refund of up to $15,000 for members who do not achieve a live birth, with funds held in a separate, dedicated bank account. The company functions as a financial planning tool rather than a medical provider, and its pricing models underwent an external actuarial review in 2024.

Angela Rastegar founded Sunfish in 2022.
Pacific Northwest Fertility began offering Sunfish packages in 2024.
An external actuarial firm reviewed the company's pricing model in 2024.
Sunfish closed a $10 million Series A funding round on January 23, 2025.
The digital fertility program Sunfish Starts launched in August 2026.

Health Landscape

The landscape of fertility financing is evolving to include AI-driven risk modeling that aims to move beyond traditional, opaque fee structures. This approach sits alongside standard success metrics like those provided by the SART national benchmark to help patients gauge financial and clinical risk.

Patients exploring fertility treatments should discuss the financial and clinical implications of third-party warranty programs with their primary reproductive endocrinologist. It is worth evaluating how a clinic's specific success rates compare to national averages before committing to financial packages.

The takeaway

Fertility patients face high financial stakes, and new models are emerging to provide more transparency and risk-sharing for out-of-pocket costs. Always clarify the terms of any financial warranty with a legal or financial advisor and discuss your specific clinical outlook with your physician.