How Much Does Egg Freezing Cost?
The realistic components of the price
Roughly 70% of lifetime cost goes to treatment, 10% to drugs, and 20% to storage. That breakdown comes from FertilityIQ’s cost-decomposition data, the most-cited reference in the niche.[1]
Initial consult and screening, monitoring, retrieval, anesthesia, embryologist, vitrification.
Gonadotropins (Gonal-F, Follistim, Menopur), antagonist (Cetrotide, Ganirelix), trigger (Ovidrel or Lupron). Dose drives most variance.
Annual fee for as long as the eggs are kept. Most freezers store 8 to 12 years before deciding to use, transfer to off-site, or dispose.
Prices vary across US states
Where you live drives the per-cycle price: how many clinics compete nearby, what the metro costs to live in, and whether a coverage mandate applies. The 12 states covered here account for most of the US population. Prices draw on FertilityIQ regional data, Cofertility tiers, and clinics’ own published pages.[1][3]
| State | From | To | Mandate | |
|---|---|---|---|---|
| California | $15,000 | $24,000 | SB 729 (Jan 2026), partial elective via large-group plans | Detail → |
| New York | $16,000 | $22,000 | Full state infertility mandate, fertility preservation included for medically necessary | Detail → |
| Massachusetts | $13,000 | $19,000 | Comprehensive infertility mandate (since 1987), strongest in country | Detail → |
| Illinois | $12,000 | $18,000 | Comprehensive mandate, IVF coverage required on group plans | Detail → |
| Washington | $12,000 | $18,000 | No comprehensive mandate, employer-driven | Detail → |
| Colorado | $12,000 | $18,000 | Building Families Act mandate (effective 2022) | Detail → |
| Pennsylvania | $11,000 | $16,000 | No comprehensive mandate | Detail → |
| Georgia | $10,000 | $15,000 | HB 94 (Jan 2026): iatrogenic infertility preservation required | Detail → |
| Florida | $10,000 | $16,000 | State group plans must cover iatrogenic-infertility preservation (Jan 2026) | Detail → |
| Texas | $10,000 | $15,000 | No comprehensive mandate, employer-driven | Detail → |
| Arizona | $10,000 | $15,000 | No comprehensive mandate | Detail → |
| North Carolina | $10,000 | $15,000 | State employee health plan covers IVF (since 2025) | Detail → |
Costs differ by country
International prices seem low initially. However, you must add flights, accommodation, lost work time, and US follow-up costs if complications arise. The country pages provide the full breakdown and a fertility-tourism calculator.
| Country | Typical per-cycle price | What the price covers | |
|---|---|---|---|
| United States | $12,000 to $20,000 | National average all-in per cycle, plus storage | Detail → |
| United Kingdom | £7,000 to £8,000 (~$9,000 to $10,000) | HFEA-regulated private; NHS only funds medical necessity | Detail → |
| Canada | CAD $7,000 to $11,000 (~$5,200 to $8,200) | Provincial coverage varies (Ontario, Quebec) | Detail → |
| Mexico | $3,500 to $6,500 USD | Plus ~$3,000 in medications, plus travel and follow-up | Detail → |
| Czech Republic / Greece / Spain | $3,000 to $7,000 USD | EU-regulated; English-friendly clinics in Prague, Athens, Barcelona | Detail → |
Most patients require multiple cycles
Two cycles is the norm, and more than 20% of patients go to three.[1] The eggs-needed-by-age model explains it. Someone freezing at 35 needs 15 mature eggs for a 70% chance of one live birth; a single cycle at 35 delivers 8 to 14.[4][17] That gap is the whole reason for a second round. Full multi-cycle math →
Consider a 35-year-old in a mid-tier metro (Boston / Chicago / Seattle tier) with no insurance, aiming for a 70% probability of one live birth.Patient profile.
- Eggs needed: ~15 mature eggs (ASRM)
- The average yield per cycle at age 35 is 8 to 14 mature eggs.
- Expected cycles are 1 to 2. Most patients in this profile do two.
- Per-cycle cost (mid-tier): $12,000 to $18,000
- Two-cycle cost range: $24,000 to $36,000
- Store eggs for 9 paid years (freeze at 35, year one included, use at 45) at $750/year: $6,750
- Realistic 10-year all-in: $30,750 to $42,750
That figure moves once you factor in insurance, an employer benefit, financing, or the use-side cost of actually thawing the eggs. The calculator above takes all four.
Elective vs medically necessary
25 states and DC now have a fertility-coverage mandate.[11] However, elective egg freezing is rarely included; medically necessary freezing (e.g., prior to chemotherapy or gender-affirming treatment) is increasingly covered. California SB 729, Georgia HB 94, and Florida group plans brought coverage in 2026.[13] Minnesota HF 1758 remains a proposed bill, not passed.[14]
Full insurance coverage →$750/yr for 10 years is $6,750
According to FertilityIQ's cost breakdown, storage represents 20% of total lifetime cost.[1] The annual fee seems small, but most individuals store eggs for 8 to 12 years before deciding to use, dispose, or transfer off-site. Storage is the cost most patients underestimate.
Storage fees and simulator →Freezing is only the first half
Per attempt, the costs are $1,000 to $2,500 for thaw, $1,500 to $3,000 for ICSI fertilization, $3,000 to $5,500 for embryo transfer, and $300 to $800 for monitoring. [8] That totals $5,800 to $11,800, and most patients budget for two transfers.
Lifecycle cost →Is egg freezing worth the money?
A 2021 Fertility & Sterility cohort put the return rate at 38.1%: that share of patients came back to use what they had frozen.[7] Plenty conceive without help, or change their minds, or find their circumstances shift. Eggs left in the tank are sometimes the happiest ending available. What you are really buying is an insurance policy on your own fertility, and the policy has a premium. Whether it is worth paying turns on weighing the option, a real chance at a biological child if things take longer than planned, against what it costs up front and every year after.
When an employer benefit picks up most of the tab, or when career timing conflicts with biological peak, the cost-benefit calculation becomes clearer. By contrast, taking on heavy debt, being over 42 absent a clear medical reason, or already progressing through active conception attempts makes the numbers much tougher to defend. The 2023 ASRM ethics committee opinion states plainly that elective oocyte storage offers no guarantee of a future live birth.[20] Full discussion →
Common questions
How much does it cost to freeze your eggs in the United States in 2026?
A single egg-freezing cycle in the US normally runs $12,000 to $20,000 all told, covering the procedure, drugs, and the initial year of storage.[1] However, most women undergo multiple cycles: two on average, and over 20% require three.[1]
A realistic two-cycle budget in mid-tier metro areas comes out around $24,000 to $36,000. After the first year, yearly storage fees add $500 to $1,000.
Does insurance cover egg freezing?
Freeze for social reasons and insurance rarely pays. Freeze because a medical situation demands it, before chemotherapy, alongside gender-affirming care, or for certain conditions, and cover is increasingly available, 2026 state mandates included.[11]
A total of 25 states plus Washington, D.C., have enacted some kind of fertility-coverage mandate. California SB 729, which took effect January 2026, added IVF coverage for fully insured large-group plans.[13] Georgia HB 94 and Florida state group plans both brought in fertility-preservation coverage during 2026.[14] Minnesota HF 1758 (the Building Families Act) is a proposed bill that, as of June 2026, remains in committee and has not become law. See the insurance coverage page for the full state-by-state table.
How many cycles of egg freezing do I need?
Two numbers pull apart as you age. In the 30 to 34 band, 9 to 14 mature eggs buys a 70% chance of one live birth; by 35 to 37 the requirement is about 15, and from 38 to 40 it reaches 26 or more, on ASRM outcomes data.[4] Yield goes the other way. A cycle at 30 to 34 gives 12 to 18 mature eggs, 8 to 14 in the 35 to 37 band, and 6 to 10 from 38 to 40.[17]
For women under 35, the majority achieve their target in a single cycle. Among those aged 35–37, most require one or two cycles. For ages 38–40, two to three cycles are typically needed. A complete breakdown appears at multiple cycles and cost by age.
How much do egg freezing medications cost?
At typical doses, stimulation medications run $3,000 to $6,000 per cycle. High responders pay less, poor responders pay more.[1]
Up to 84% off on Gonal-F, Ovidrel, and Cetrotide through the TrumpRx.gov program (launched February 2026). That can reduce a typical cycle's drug cost by $2,000 or more. See the medication cost page for drug-by-drug pricing and savings programs.
How much are egg storage fees?
Most US clinics charge $500 to $1,000 annually for storage; higher-tier clinics charge $1,500. Off-site providers like ReproTech and MyEggBank charge $200 to $500.[1] Year-one storage is often included in the cycle price.
At $750 per year for nine paid years, the cumulative 10-year cost is $6,750. See the storage fees page with its 5/10/15-year simulator.
Is egg freezing worth it?
A Fertility & Sterility cohort reported that by 2021, 38.1% of patients who had frozen eggs had returned to use them.[7] Shorter follow-up windows yield even lower rates. Egg freezing is best understood as implicit fertility insurance carrying a non-zero premium.
It becomes harder to accept the financial arithmetic when the cost means taking on significant debt or when the patient is over 42 with no clear medical urgency.[20] On the other hand, the premium is worth paying if the option value (a meaningful chance of a future biological child should circumstances delay natural conception) exceeds the upfront and ongoing cost. See is it worth it? for the full discussion.
What does egg freezing actually involve?
The active phase means daily injections: follicle-stimulating hormones, Gonal-F or Follistim, with Menopur alongside. It runs 10 to 14 days. Monitoring happens every 2 to 3 days, an antagonist joins from about day 5, and a trigger shot goes in 36 hours ahead of an outpatient retrieval under sedation. Start to retrieval, the whole cycle takes 4 to 6 weeks.
Recovery is 1 to 2 days of mild discomfort. See the process for the full timeline with cost-per-step.
Does freezing eggs guarantee a future baby?
Per mature egg, success is roughly 6 to 7% on average, and it varies a lot with age at freezing. The ASRM 2023 ethics committee opinion is explicit: planned oocyte cryopreservation does not guarantee a future live birth.[20]
Freezing ten eggs does not guarantee a baby. See cost by age for the per-age math.
How long can frozen eggs be stored?
Published cohort studies, Cobo et al. (2021) among them, find no loss in reproductive outcomes after 14 or more years in storage.[26]
In 2022, the UK implemented a 55-year regulatory storage cap, requiring consent renewal every 10 years.[10] In contrast, the United States has no such regulatory storage cap.
How much does egg freezing cost in Mexico, the UK, or other countries?
A cycle in Mexico costs $3,500 to $6,500 USD, with medications adding about $3,000. In the Czech Republic and Greece, prices range from $3,000 to $5,000 USD. Spain's cost falls between $4,000 and $7,000 USD. Private egg freezing in the UK usually runs £7,000 to £8,000 all-inclusive, with annual storage fees of £125 to £350.[9]
Flights, accommodation, time off, and follow-up complication risk all factor into the honest comparison. See by country.
- [1] FertilityIQ, “The Costs of Egg Freezing” (checked April 2026). https://www.fertilityiq.com/fertilityiq/articles/the-costs-of-egg-freezing
- [2] GoodRx Health, “How Much Does It Cost to Freeze Your Eggs?” (checked April 2026). https://www.goodrx.com/conditions/fertility/cost-to-freeze-eggs
- [3] Cofertility, “Comparing Egg Freezing Costs Across the U.S. and Why Location Matters” (checked April 2026). https://www.cofertility.com/freeze-learn/comparing-egg-freezing-costs-across-the-u-s-and-why-location-matters
- [4] ASRM Practice Committee, Fertility and Sterility, 2021, “Evidence-based outcomes after oocyte cryopreservation for donor oocyte in vitro fertilization and planned oocyte cryopreservation: a guideline”. https://www.asrm.org/practice-guidance/practice-committee-documents/evidence-based-outcomes-after-oocyte-cryopreservation-for-donor-oocyte-in-vitro-fertilization-and-planned-oocyte-cryopreservation-a-guideline/
- [5] Goldman et al., Human Reproduction, 2017, “Predicting the likelihood of live birth for elective oocyte cryopreservation: a counseling tool for physicians and patients”. https://academic.oup.com/humrep/article/32/4/853/3056229
- [7] Fertility and Sterility, 2021, “Patterns and outcomes of patients who returned to use cryopreserved oocytes for family building”. https://www.fertstert.org/article/S0015-0282(21)02220-9/fulltext
- [8] Centers for Disease Control and Prevention, 2022 data, published 2024, “ART Success Rates: National Summary Report”. https://www.cdc.gov/art/reports/2022/national-summary.html
- [11] RESOLVE: The National Infertility Association, “Insurance Coverage by State” (checked April 2026). https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/
- [12] KFF (Kaiser Family Foundation), 2024, “Coverage and Use of Fertility Services in the U.S”. https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/
- [13] California Legislative Information, 2024 (effective Jan 2026), “SB 729: Health care coverage: infertility and fertility services”. https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240SB729
- [14] Georgia General Assembly, 2025 (effective Jan 2026), “HB 94: Insurance coverage for iatrogenic infertility”. https://www.legis.ga.gov/legislation/65404
- [17] Extend Fertility, “Egg Freezing Success by Age: Outcomes Data” (checked April 2026). https://extendfertility.com/your-fertility/egg-freezing-success-rates/
- [20] ASRM Ethics Committee, Fertility and Sterility, 2023, “Planned oocyte cryopreservation for women seeking to preserve future reproductive potential: an ethics committee opinion”. https://www.asrm.org/practice-guidance/ethics-opinions/planned-oocyte-cryopreservation-for-women-seeking-to-preserve-future-reproductive-potential-an-ethics-committee-opinion/
- [26] Cobo et al., Fertility and Sterility, 2021, “Long-term storage of vitrified oocytes does not impact reproductive outcomes”. https://www.fertstert.org/article/S0015-0282(21)00131-3/fulltext
- [10] HFEA, UK Government, 2022, “New storage limits for embryos, eggs and sperm”. https://www.gov.uk/government/news/new-laws-on-fertility-preservation-come-into-force
- [9] Human Fertilisation and Embryology Authority (HFEA), “Egg freezing: HFEA Treatment Information” (checked April 2026). https://www.hfea.gov.uk/treatments/fertility-preservation/egg-freezing/