Sunfish Puts Its Own Money Behind AI Predictions Of What A Baby Costs

Sunfish founder Angela Rastegar knows what fertility care costs without a safety net. While she was a director at North Star Fertility, Rastegar went through four egg retrievals to bank embryos, “all paid for out of pocket. So over $50,000,” she recalls, with no promise that any of it would end in a baby.

Most fertility care is still sold that way, one attempt at a time, with patients carrying the financial risk. Sunfish, the Los Angeles startup Rastegar launched in 2022, uses clinic data and AI to predict what a patient’s path to a baby will cost, then backs that price with refunds and free second cycles. The more revealing story is how Sunfish handles the patients its model knows least, a question every AI company in women’s health will eventually have to answer.

How Sunfish Prices The Path To A Baby

Sunfish starts with the information a fertility clinic already collects during a workup. Its model draws on “over 2 million data points from our partner clinics,” Rastegar explains, including bloodwork, uterine scans, general health markers, and sperm measures. Patients can also link wearables such as Whoop and Oura after signing consent forms.

From there, Sunfish builds a custom financial plan. An egg-freezing patient might get “a six-egg budget or a nine-egg budget,” and if she falls short, she may qualify for a free second cycle. IVF patients pay one all-inclusive price that covers every embryo transfer during their membership, plus a partial refund of up to $15,000 if they don’t have a live birth within the cost Sunfish predicted. “We put our money where our mouth is,” Rastegar says.

Sunfish isn’t a lender or a medical provider. Financing comes through roughly 15 partner lenders. Rastegar likens the company’s role to a “college admissions advisor” for building a family. Patients must use a clinic in Sunfish’s preferred-provider network, which is screened on success rates, data reporting, and lab integrity.