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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.
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.