Average Cost of Egg Freezing: Insurance Coverage in 2025

Byscott

Updated May 26, 2025

What Does Egg Freezing Cost In 2025?

Let’s cut to the chase: the average cost of egg-freezing in 2025 isn’t low, even with insurance. But prices are stabilizing. On average, one cycle of egg freezing in 2025 runs between $9,000 and $16,000, not including long-term storage. That covers:

• Ovarian stimulation medications
• Ultrasound monitoring
• Egg retrieval procedure
• Initial storage fees
  

But most people need more than one cycle to bank enough eggs, especially if they’re freezing after age 35. Add in medications ($3,000–$6,000) and annual storage fees ($500–$1,200), and you’re looking at a total closer to $15,000–$25,000+.

Some clinics now offer package deals or subscription models, bundling multiple cycles and a few years of storage for a flat fee. While that can help with budgeting, it’s not always more cost-effective—so it’s worth doing the math.

Is Egg Freezing Covered By Insurance In 2025?

Sometimes. But the answer depends on your plan—and whether egg freezing is considered “elective” or “medically necessary.”

Here’s what’s happening in 2025 with the average cost of egg freezing:

• More employers are stepping up. Especially in tech, finance, and healthcare, companies are adding fertility preservation as a benefit. Think of it like dental or vision—except for your future fertility.
• Fertility parity laws are expanding. States like Illinois, New York, and Colorado already require some level of fertility coverage, and others are joining in. A few even include egg freezing for cancer patients or others undergoing treatments that affect fertility.
• Still, coverage is inconsistent. Some plans cover medically indicated egg freezing (e.g., before chemotherapy) but not elective procedures. Others may cover parts—like monitoring or meds—but not retrieval or storage.

So, always read the fine print. Or better yet, call your HR department or insurer and ask directly:

“Does my plan cover egg freezing, including medication, retrieval, and storage?”

How Can You Manage the Costs?

If insurance isn’t footing the bill, you’ve still got some options to help keep the average cost of egg freezing as low as possible:

• Employer fertility benefits: Check for reimbursement programs or fertility-specific perks through platforms like Carrot Fertility or Progyny.
• Payment plans: Most clinics offer interest-free financing or third-party lending.
• HSA/FSA accounts: You may be able to use pre-tax dollars for certain parts of the process (like meds or procedures).
• Fertility grants: While competitive, some nonprofits offer grants to offset fertility preservation costs.

Why Is Egg Freezing So Expensive?

It’s not just the procedure—it’s the laboratory expertise, medication, and long-term storage that make up the bulk of the cost. Every cycle involves personalized medication regimens, hormone testing, anesthesia, and high-tech equipment to safely retrieve and preserve your eggs. And once frozen, they need to be stored in liquid nitrogen and monitored around the clock for years.

Also? The emotional investment is real. The process can be physically and mentally intense, so it’s important to factor in more than just the financial side.

Exploring Ozempic while also thinking about your fertility? Get more info in our article ‘Ozempic and Fertility: What You Need to Know‘

A Final Thought

Egg freezing in 2025 is more accessible than ever—but not yet affordable for everyone. Costs remain high, but employer coverage is improving, and insurance policies are slowly catching up. If you’re considering it, take time to understand both your medical timeline and your financial options. This isn’t just a price tag—it’s a deeply personal choice about your future.

Thinking about your next steps? If you’re feeling unsure, you’re not alone. You don’t need to make this decision in a vacuum.