What We'll Cover
Egg freezing in the US is priced as a bundle of separate services, and the headline number you see in an ad is rarely the number you pay. The honest figure is a stack: the monitored stimulation cycle and retrieval, the fertility medications, and years of storage on top. Below is the line-by-line breakdown for 2026, what real US clinics actually charge, and how the newer startup models change the math.
The Full Cost Breakdown
A single egg-freezing cycle in the US is most often quoted at a national average of $12,000-$20,000 all-in. That total is built from three components, and comparing clinics means comparing each one — not just the procedure headline.
| Cost component | Typical US range (estimate) | What it covers |
|---|---|---|
| Procedure / cycle fee | ~$8,000 - $15,000 | Monitoring visits, ultrasounds, blood draws, egg retrieval, vitrification (freeze) |
| Stimulation medications | ~$3,000 - $6,000 (avg ~$4,000) | 10-14 days of injectable hormones; dose-dependent |
| Anesthesia (if separate) | Sometimes billed apart | Sedation for retrieval; included at some clinics, extra at others |
| Storage, year 1 | Often included | First period of cryostorage usually bundled into the cycle |
| Storage, each later year | ~$500 - $1,000/yr (avg ~$800) | Ongoing annual fee; off-site providers can be lower |
| Future use (later) | Thaw + IVF + transfer extra | Paid only if and when you use the eggs; a separate cost |
Two cycles is common — budget for it
Freezing eggs is about banking enough eggs, not completing one procedure. Clinic data suggests younger patients often hit their goal in one or two cycles, while patients in their late 30s commonly need two to three, and over 20% complete three or more. Because each cycle repeats the procedure and medication cost, the realistic total for many people is closer to two cycles than one.
How Much It Costs by US City / Region
Where you freeze matters. Egg-freezing prices track local fertility-market rates, so the same procedure can swing by thousands of dollars between metros. These are reported estimates, not live quotes — price your exact clinic before deciding.
| Market | Reported procedure range (estimate) | Notes |
|---|---|---|
| New York City | ~$18,000 before meds | Reported as the costliest US market |
| San Francisco / Los Angeles | ~$10,000 - $15,000 (procedure) | Higher tier; meds add considerably more |
| Chicago / Dallas / Atlanta / Denver | ~$9,000 - $13,000 (procedure) | More moderate Midwest / South pricing |
| Lower-cost national clinics | ~$7,000 full cycle (e.g. CNY Fertility) | Some clinics list well below the metro averages |
Traditional Clinic vs Startup Pricing Models
A wave of fertility startups has reshaped how egg freezing is priced and sold. Some publish flat, transparent prices; one removes the price tag entirely in exchange for donating half your eggs. Here is how a few real, named US options compare on their stated models.
| Provider | Stated pricing model (estimate) | Storage / financing |
|---|---|---|
| CNY Fertility | ~$3,999 procedure-only; ~$6,994 full cycle (+ ~$1,800 meds) | ~$600/yr storage |
| Kindbody | ~$6,900-$9,660 per cycle by location (+ ~$4,000-$6,000 meds; anesthesia extra) | 3 months included, then ~$920/yr; PatientFi financing |
| Cofertility (Split) | $0 if you donate half your eggs (covers meds + retrieval) | 10 years of storage included |
| Cofertility (Keep) | Self-pay; keep all eggs, partner discounts | Storage per program terms |
| ReproTech (storage only) | Off-site long-term cryostorage (often estimated ~$200-$500/yr) | Request current fee schedule; not a retrieval clinic |
What this means: the per-cycle price is not the whole story. A clinic with a higher cycle fee but included anesthesia and a year of storage can cost less all-in than a low headline price with separate medication, anesthesia, and storage charges. Compare the itemized total, including the years of storage you actually expect to pay.
Cofertility: Freeze for Free by Donating Half
The most disruptive US pricing model is Cofertility's Split program. Instead of paying the five-figure bill, an eligible woman freezes her eggs at no cost and donates half of the eggs retrieved to another family who cannot otherwise conceive. Cofertility states this covers 100% of the cost plus 10 years of storage.
- What's covered: all stimulation medications, the retrieval under sedation, and 10 years of storage
- The trade-off: you keep half the eggs and become an egg donor — a values decision, not just a financial one
- Eligibility (stated): roughly ages 21-33, BMI under 30, both ovaries present, non-smoker, generally healthy
- If you don't qualify: the self-pay Keep program lets you keep all your eggs with partner discounts
Free has a real trade-off
Split removes the cost, but you walk away with about half the eggs you would have kept paying out of pocket, and you take on the medical, legal, and emotional considerations of being a donor. For some people that is a clear win; for others, paying to keep every egg is worth it. Talk it through with a fertility clinician and, where relevant, a counselor before deciding.
Insurance, Employer Benefits & HSA/FSA
Coverage is the single biggest variable that can change what you actually pay, and it is uneven across the country.
- State mandates: more than 20 states plus Washington, D.C. have some fertility-coverage requirement; states like Illinois, Delaware, and New Jersey are described as relatively comprehensive. Nearly half of US states have no mandate, so most patients pay out of pocket.
- Employer benefits: egg freezing is an increasingly common workplace benefit — check whether your employer (or a partner's) offers a fertility benefit before paying retail.
- HSA/FSA: where egg freezing qualifies as a medical expense, HSA/FSA funds can typically be applied, effectively discounting it by your tax rate. Confirm eligibility with your plan administrator.
- Medication relief: the federal TrumpRx.gov program launched in February 2026 advertises steep discounts on specific fertility drugs (e.g. Gonal-f, Ovidrel, Cetrotide), which can reduce per-cycle medication cost. Verify current eligibility and pricing.
US vs Abroad: When Traveling Makes Sense
The same procedure costs dramatically less in parts of Europe — a cycle that runs $12,000-$20,000 all-in here is often a few thousand euros abroad. But traveling adds flights, lodging, time off, and the complication of using eggs stored overseas later, and eligibility laws differ by country. It is a real option for some, and a poor fit for others.
Decide US vs abroad on the all-in number
If you want to weigh traveling, do it on the full picture, not just the procedure price. Our companion guide, egg freezing abroad cost, breaks down Spain, the Czech Republic, Greece, and North Cyprus pricing plus the eligibility laws that decide where you can later use your eggs. For the related treatment, see our IVF cost by country comparison.
How to Lower the Bill
- Get an itemized written quote from every clinic — separate the procedure, meds, anesthesia, and storage so you compare like for like.
- Check coverage first: your state mandate, employer fertility benefit, and HSA/FSA eligibility can each move the number more than any clinic discount.
- Look beyond your metro: lower-cost national clinics can run thousands below a New York or Bay Area cycle.
- Consider the startup models: a transparent-price platform, financing through partners like PatientFi, or Cofertility's Split program may fit your situation.
- Price storage over years, not one: an off-site cryostorage provider can be cheaper long-term than a clinic's annual fee — but confirm transfer logistics.
Related cost guides
- Going abroad: egg freezing abroad cost vs the US
- The next step, IVF: IVF cost by country
- More guides: browse the full cash-pay health guides library
Compare Cash-Pay Women's Health Care
See transparent, self-pay options for fertility, hormones, and women's health side by side.
Browse Women's HealthFrequently Asked Questions
How much does egg freezing cost in the US in 2026?▼
A single egg-freezing cycle in the US typically costs about $12,000-$20,000 all-in. That breaks down roughly into an $8,000-$15,000 procedure fee (monitoring, retrieval, and the first freeze), $3,000-$6,000 in stimulation medications, and $500-$1,000 per year of storage after the included first period. Lower-cost clinics like CNY Fertility advertise a full cycle near $6,994 plus about $1,800 in meds. These are estimates that vary by clinic, your protocol, and how many eggs you target — confirm current pricing directly with the provider.
Why is egg freezing so expensive in the US?▼
The headline price bundles several separate services: the monitored stimulation cycle, the egg-retrieval surgery under sedation, the lab vitrification (flash-freeze), the fertility medications, and ongoing cryostorage. Medications alone average around $4,000 a cycle. Pricing also tracks local market rates — New York City cycles can approach $18,000 before medications, while clinics in Chicago, Dallas, Atlanta, and Denver more often fall in the $9,000-$13,000 procedure range. Always ask for an itemized written quote so you can compare like for like.
Can you freeze your eggs for free in the US?▼
Through Cofertility's Split program, eligible women (roughly ages 21-33, BMI under 30, non-smoker, both ovaries present) can freeze their eggs at no cost by donating half of the eggs retrieved to another family. Cofertility states this covers 100% of the cost plus 10 years of storage. The trade-off is that you keep only half your eggs and become an egg donor, so it is a values decision as much as a cost one. Those who do not qualify can use Cofertility's self-pay Keep program with partner discounts.
How much does egg storage cost per year in the US?▼
Annual egg storage at most US fertility clinics runs about $500-$1,000 per year, with a national average near $800; the first year is often included in the cycle price. Some clinics are lower — CNY Fertility lists $600 a year and Kindbody about $920 after an initial included period. Dedicated off-site cryostorage providers such as ReproTech are frequently estimated lower still (roughly $200-$500 per year), though you should request their current fee schedule directly. Storage is an ongoing cost, so factor in several years.
How many egg freezing cycles will I need?▼
It depends mostly on your age and egg goal. Reported clinic data suggests younger patients with good ovarian reserve often reach their target in one or two cycles, while patients in their late 30s commonly need two to three; research cited by clinics shows over 20% of patients complete three or more cycles. Because each added cycle repeats the procedure and medication cost, multi-cycle is a major driver of total spend. A fertility specialist can estimate your likely yield from baseline AMH and antral-follicle testing.
Is egg freezing covered by insurance or HSA/FSA in the US?▼
It varies widely. More than 20 states plus Washington, D.C. have some fertility-coverage requirement, and several (for example Illinois, Delaware, and New Jersey) are described as relatively comprehensive — but nearly half of US states have no mandate, leaving most patients paying out of pocket. Egg freezing is also a growing employer benefit. Where it is a qualified medical expense, HSA/FSA funds can typically be used. Check your specific state mandate, employer benefits, and plan administrator before assuming coverage.
Sources & References
- • CNY Fertility — 2026 egg freezing price guide (procedure, full cycle, medication, storage, cycles needed)
- • Cofertility — Split program (free egg freezing via half-donation, eligibility, 10-year storage)
- • Cofertility — egg freezing costs by US state/region (NYC, CA, Midwest/South, insurance mandates)
- • Kindbody — services & pricing (per-cycle cost by location, what is included, storage, PatientFi financing)
- • ReproTech — long-term cryostorage fees (off-site egg/embryo storage)