Claire Tomkins understands the emotional, physical, and financial toll of in vitro fertilization. All three of her children were born via IVF, which inspired her to co-found Future Family, a fintech-health startup that’s reshaping how people pay for fertility care. In 2025, the company introduced the first nationwide IVF insurance program on Tomkins’ daughter’s 10th birthday. Families can purchase insurance for an average of $3,000 upfront, followed by $999 per month for five months. Policyholders who don’t have a live birth after two IVF cycles—which can cost up to $25,000 per cycle, according to federal estimates—can file a claim and receive a refund. “You struggle to get pregnant, which is very emotional, and then it’s another thing to also be like, ‘And now I may have this huge financial outlay,’” Tomkins says. “The vision is to get to a point where people have peace of mind and financial confidence around starting a family.”
