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The Company That Made IVF an Employee Benefit
How a fertility website became a Nasdaq-listed benefits company covering millions of employees - and why big employers hand it the hardest part of their health plan.
Carrot Fertility
Carrot Fertility is a global fertility and family-building benefits platform that employers and health plans offer to their people. It covers the full journey - fertility preservation, IVF and IUI, pregnancy, adoption, surrogacy, low-testosterone care and menopause - with an expert Care Team, a global provider network, and the Carrot Card payment platform. Founded in 2016 after co-founder Tammy Sun faced a five-figure out-of-pocket egg-freezing bill, Carrot serves members in more than 195 countries and positions itself as a data-driven, outcomes-focused alternative to leaving fertility care to employees to navigate alone.
Angela Rastegar
Angela Rastegar is the co-founder and CEO of Sunfish, a Los Angeles fertility-finance company that treats the cost of building a family as a problem worth engineering around. After a 2016 egg-freezing attempt left her facing a confusing, expensive and isolating bill with no insurance to lean on, she went to work inside the fertility industry, watched patients drain 401(k)s and sell engagement rings, and then built a platform of loans, grants, guidance and a money-back IVF Success Program priced off a patient's own biodata. A two-time founder with a Stanford biology degree and a Stanford MBA, she raised a $10M Series A in early 2025 and put a refund guarantee at the center of an industry that has long charged for attempts rather than outcomes.
Sunfish
Sunfish is a Los Angeles fertility fintech that helps people pay for and navigate IVF, egg freezing, surrogacy and donor journeys. It pairs a loan marketplace and all-inclusive, flat-fee treatment bundles with a partial money-back guarantee, an AI model that predicts cycle cost and outcomes from patient biodata, and human and emotional support. Founded in 2022 by Angela Rastegar after her own isolating fertility experience, the company has supported over $200 million in loan applications across all 50 states and works with 70+ clinic locations.