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Demographics can expand when coverage is financially accessible to everyone — a 2013 Canadian study, conducted after Quebec mandated IVF insurance coverage, showed that removing financial barriers increased both socioeconomic and racial diversity.

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And, according to law, insurers must provide for artificial insemination; for IVF and intracytoplasmic sperm injection (ICSI); and for donor sperm, egg, or embryo procurement and processing.

Medication coverage is handled just like medication for any other health problem.

Maryland insurance plans pay for IVF, but only with “the patient’s eggs” and “her spouse’s sperm.” Rhode Island insurers provide up to $100,000 to “presumably healthy married individuals” who are 40 years old or younger.

Hawaii provides for a single IVF cycle, but only after a couple really tries: Its plans require five years of infertility.

But more than that, the connection between our financial circumstances and our ability to achieve and sustain a pregnancy was too great, and too sensitive.

More than any other factor — age, sperm count and quality, egg reserve as measured by hormonal tests — the resources we could allocate to treatment appeared to determine our outcomes.My husband and I had been trying to conceive for three years at that point; we were patients at a reproductive endocrinology clinic in North Carolina, where we lived, but like Margaret and her husband had limited insurance coverage and burdensome student loans, and we thought we’d never be able to afford IVF.Instead we’d tried less-expensive options, like Femara (a pill used to induce ovulation) and intrauterine insemination (also known as IUI) — month after month of Femara, and several rounds of IUI treatment.Massachusetts is by far the best state in which Margaret could have landed.Virtually everyone in Massachusetts has health care — the coverage level today is at 99 percent, the highest in the nation.Our doctor considered IVF a better, and certainly faster, course of treatment given our diagnosis and history, but we balked at the price — around ,000 for a single cycle, not including medication — especially as we knew it was possible we’d need multiple rounds of treatment.

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