How much does egg freezing cost in 2026?
The honest answer is not a single number. One cycle, all-in, runs $12,000 to $20,000 in the United States. Most patients do more than one cycle. Storage adds $500 to $1,000 per year for as long as the eggs are kept. To later use them, plan another $5,800 to $11,300 per transfer attempt. The rest of this page is the data behind those ranges, by state, by age, and by insurance scenario.
Realistic multi-cycle budget by age and state
This tool is informational only. Egg freezing outcomes vary by AMH, antral follicle count, prior response, clinic protocol, and other factors. Consult a board-certified reproductive endocrinologist before making decisions.
What is actually in the price
FertilityIQ's cost-decomposition data is the most-cited reference in the niche. Treatment is roughly 70% of lifetime cost, drugs 10%, storage 20%.[1]
Initial consult and screening, monitoring, retrieval, anaesthesia, 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.
Cost by US state
Per-cycle cost varies by state, driven by clinic concentration, metro cost-of-living, and the state insurance-mandate landscape. The 12 covered states represent the majority of the US population. State pricing is sourced from FertilityIQ regional data, Cofertility regional tiers, and named clinic public pricing pages.[1][3]
| State | Typical per-cycle range | Insurance mandate status | |
|---|---|---|---|
| California | $15,000 to $24,000 | SB 729 (Jan 2026), partial elective via large-group plans | Detail → |
| New York | $16,000 to $22,000 | Full state infertility mandate, fertility preservation included for medically necessary | Detail → |
| Massachusetts | $13,000 to $19,000 | Comprehensive infertility mandate (since 1987), strongest in country | Detail → |
| Illinois | $12,000 to $18,000 | Comprehensive mandate, IVF coverage required on group plans | Detail → |
| Washington | $12,000 to $18,000 | No comprehensive mandate, employer-driven | Detail → |
| Colorado | $12,000 to $18,000 | Building Families Act mandate (effective 2022) | Detail → |
| Pennsylvania | $11,000 to $16,000 | No comprehensive mandate | Detail → |
| Georgia | $10,000 to $15,000 | HB 94 (Jan 2026): iatrogenic infertility preservation required | Detail → |
| Florida | $10,000 to $16,000 | State group plans must cover iatrogenic-infertility preservation (Jan 2026) | Detail → |
| Texas | $10,000 to $15,000 | No comprehensive mandate, employer-driven | Detail → |
| Arizona | $10,000 to $15,000 | No comprehensive mandate | Detail → |
| North Carolina | $10,000 to $15,000 | State employee health plan covers IVF (since 2025) | Detail → |
Cost by country
Headline international pricing looks attractive. The honest comparison nets flights, accommodation, time off work, and the cost of follow-up if a complication occurs back in the US. See the country pages for the full math, including a fertility-tourism total-cost calculator.
| Country | Typical per-cycle range | What is and is not included | |
|---|---|---|---|
| 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 do more than one cycle
FertilityIQ utilisation data shows the average egg-freezing patient does two cycles, and more than 20% do three.[1] The ASRM-derived eggs-needed-by-age framework explains why: at 35 you typically need 15 mature eggs for a 70% chance of one live birth, and the average yield per cycle at 35 is 8 to 14.[4][17] Full multi-cycle math →
Patient profile. Age 35, mid-tier metro (Boston / Chicago / Seattle tier), no insurance coverage, target 70% probability of one live birth.
- Eggs needed: ~15 mature eggs (ASRM)
- Average yield per cycle at age 35: 8 to 14 mature eggs
- Expected cycles: 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
- Storage at $750/year for 9 paid years (freeze at 35, use at 41): $6,750
- Realistic 10-year all-in: $30,750 to $42,750
Insurance, employer benefit, financing, and lifecycle (use-side) cost change this figure. The calculator above models all of those.
Elective vs medically necessary
Elective egg freezing is rarely covered. Medically necessary freezing (before chemotherapy, gender-affirming care) is increasingly covered. 25 states plus DC have a fertility-coverage mandate. California SB 729, Georgia HB 94, Florida group plans, and Minnesota HF 1758 added coverage in 2026.[11][13][14]
Full insurance coverage →$750/yr for 10 years is $6,750
Storage is the line item most patients underestimate. The annual fee feels small, but most freezers store 8 to 12 years before deciding to use, dispose, or transfer to off-site. FertilityIQ's cost decomposition pegs storage at 20% of lifetime cost.[1]
Storage fees and simulator →Freezing is only the first half
To later use the eggs you also pay for thaw ($1,000 to $2,500), ICSI fertilisation ($1,500 to $3,000), embryo transfer ($3,000 to $5,500), and monitoring ($300 to $800). That is $5,800 to $11,800 per attempt, and most patients budget two transfers.[8]
Lifecycle cost →Is it worth it?
Egg freezing is implicit fertility insurance with a non-zero premium. Whether the premium is worth paying depends on how the option value (a meaningful chance of a future biological child if circumstances delay natural conception) weighs against the upfront and ongoing cost. The 2021 Fertility & Sterility cohort found 38.1% of patients had returned to use their frozen eggs.[7] Many freezers conceive naturally, change their minds, or change relationship circumstances. The eggs going unused is sometimes the best outcome.
The math is harder to justify when funding requires significant debt, when the patient is over 42 with no specific medical urgency, or when active conception attempts are already underway and progressing. The math is easier to justify under medical-necessity circumstances, when an employer benefit covers most of the cost, or when career timing is durably mismatched with biological optimal. The ASRM 2023 ethics committee opinion is explicit that planned oocyte cryopreservation does not guarantee a future live birth.[20] Full discussion →
Frequently asked questions
How much does it cost to freeze your eggs in the United States in 2026?
One cycle of egg freezing in the United States typically costs $12,000 to $20,000 all-in, including the procedure, medications, and the first year of storage.[1] Most patients do more than one cycle: the average is around two cycles, and over 20% do three.[1]
A realistic two-cycle budget at mid-tier metros is around $24,000 to $36,000. Storage adds $500 to $1,000 per year after year one.
Does insurance cover egg freezing?
Elective (social) egg freezing is rarely covered by individual or group health insurance. Medically necessary egg freezing (before chemotherapy, gender-affirming care, certain medical conditions) is increasingly covered, including by 2026 state mandates.[11]
25 states plus DC have some form of fertility-coverage mandate. California SB 729 (effective January 2026) added IVF coverage on fully insured large-group plans.[13] Georgia HB 94, Florida state group plans, and Minnesota HF 1758 added fertility-preservation coverage in 2026.[14] See the insurance coverage page for the state-by-state table.
How many cycles of egg freezing do I need?
ASRM evidence-based outcomes data indicates roughly 9 to 14 mature eggs at age 30 to 34 for a 70% chance of one live birth, around 15 mature eggs at 35 to 37, and 26 or more at 38 to 40.[4] Average yield per cycle is 12 to 18 mature eggs at 30 to 34, 8 to 14 at 35 to 37, and 6 to 10 at 38 to 40.[17]
So most women under 35 hit target in one cycle, most 35 to 37 need one to two cycles, and most 38 to 40 need two to three. Full breakdown on multiple cycles and cost by age.
How much do egg freezing medications cost?
Stimulation medications cost $3,000 to $6,000 per cycle at typical doses, with high responders going lower and poor responders going higher.[1]
The TrumpRx.gov programme launched in February 2026 covers Gonal-F, Ovidrel, and Cetrotide at up to 84% off, which can take $2,000 or more off a typical cycle's drug cost. See the medication cost page for drug-by-drug pricing and savings programmes.
How much are egg storage fees?
Annual storage fees range from $500 to $1,000 at most US clinics, $1,500 at the higher tier, and $200 to $500 at off-site cryostorage providers like ReproTech and MyEggBank.[1] Year one is often included in the cycle price.
The cumulative 10-year cost is meaningful: at $750 per year for nine paid years, that is $6,750. See the storage fees page with its 5/10/15-year simulator.
Is egg freezing worth it?
38.1% of egg-freezing patients had returned to use their frozen eggs as of 2021 according to a Fertility & Sterility cohort, with even lower rates in shorter follow-up windows.[7] Egg freezing is best framed as implicit fertility insurance with a non-zero premium.
The premium is worth paying when the option value (a meaningful chance of a future biological child if circumstances delay natural conception) outweighs the upfront and ongoing cost. The math is harder to justify when the cost requires significant debt or when the patient is already over 42 with no specific medical urgency.[20] See is it worth it? for the full discussion.
What does egg freezing actually involve?
The egg freezing cycle from first appointment to retrieval is typically 4 to 6 weeks, with the active stimulation phase lasting 10 to 14 days. Daily injections of follicle-stimulating hormones (Gonal-F or Follistim, plus Menopur), monitoring every 2 to 3 days, an antagonist drug from around day 5, a trigger shot 36 hours before retrieval, and an outpatient retrieval procedure under sedation.
Recovery is typically 1 to 2 days of mild discomfort. Full timeline with cost-per-step on the process page.
Does freezing eggs guarantee a future baby?
No. The ASRM 2023 ethics committee opinion is explicit that planned oocyte cryopreservation does not guarantee a future live birth.[20] Per-egg success is roughly 6 to 7% per mature egg on average, varying significantly with age at freezing.
Ten frozen eggs is not equivalent to a baby. See cost by age for the per-age math.
How long can frozen eggs be stored?
Published cohort studies including Cobo et al. (2021) show no degradation in reproductive outcomes after long-term storage of vitrified oocytes through 14 or more years.[26]
The UK introduced a 55-year regulatory cap in 2022 (with consent renewal every 10 years).[10] The United States has no equivalent regulatory storage cap.
How much does egg freezing cost in Mexico, the UK, or other countries?
UK private egg freezing typically runs £7,000 to £8,000 all-in plus storage at £125 to £350 per year.[9] Mexico ranges from $3,500 to $6,500 USD per cycle plus around $3,000 in medications. Czech Republic and Greece sit at $3,000 to $5,000 USD. Spain is $4,000 to $7,000 USD.
The honest comparison nets flights, accommodation, time off, and follow-up complication risk against the headline savings. See by country.
- [1] The Costs of Egg Freezing to FertilityIQ, accessed April 2026. https://www.fertilityiq.com/fertilityiq/articles/the-costs-of-egg-freezing
- [2] How Much Does It Cost to Freeze Your Eggs? to GoodRx Health, accessed April 2026. https://www.goodrx.com/conditions/fertility/cost-to-freeze-eggs
- [3] Comparing Egg Freezing Costs Across the U.S. and Why Location Matters to Cofertility, accessed April 2026. https://www.cofertility.com/freeze-learn/comparing-egg-freezing-costs-across-the-u-s-and-why-location-matters
- [4] Evidence-based outcomes after oocyte cryopreservation for donor oocyte in vitro fertilization and planned oocyte cryopreservation: a guideline to ASRM Practice Committee, Fertility and Sterility, 2021. 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] Predicting the likelihood of live birth for elective oocyte cryopreservation: a counseling tool for physicians and patients to Goldman et al., Human Reproduction, 2017. https://academic.oup.com/humrep/article/32/4/853/3056229
- [7] Patterns and outcomes of patients who returned to use cryopreserved oocytes for family building to Fertility and Sterility, 2021. https://www.fertstert.org/article/S0015-0282(21)02220-9/fulltext
- [8] ART Success Rates: National Summary Report to Centers for Disease Control and Prevention, 2022 data, published 2024. https://www.cdc.gov/art/reports/2022/national-summary.html
- [11] Insurance Coverage by State to RESOLVE: The National Infertility Association, accessed April 2026. https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/
- [12] Coverage and Use of Fertility Services in the U.S. to KFF (Kaiser Family Foundation), 2024. https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/
- [13] SB 729 – Health care coverage: infertility and fertility services to California Legislative Information, 2024 (effective Jan 2026). https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240SB729
- [14] HB 94 – Insurance coverage for iatrogenic infertility to Georgia General Assembly, 2025 (effective Jan 2026). https://www.legis.ga.gov/legislation/65404
- [17] Egg Freezing Success by Age: Outcomes Data to Extend Fertility, accessed April 2026. https://extendfertility.com/your-fertility/egg-freezing-success-rates/
- [20] Planned oocyte cryopreservation for women seeking to preserve future reproductive potential: an ethics committee opinion to ASRM Ethics Committee, Fertility and Sterility, 2023. https://www.asrm.org/practice-guidance/ethics-opinions/planned-oocyte-cryopreservation-for-women-seeking-to-preserve-future-reproductive-potential-an-ethics-committee-opinion/