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How much is fertility treatment? Average costs and ways to pay

What we'll cover

  • Common fertility treatments

  • The average cost of treatments

  • Top payment options

If you're having trouble conceiving, you're not alone. Globally, one in six people experience infertility. In addition to the emotional toll, fertility treatments can cost tens of thousands of dollars. But you have a number of options to finance these costly treatments to support your dream of growing your family.

Breaking down fertility treatment costs

To help you plan for the possible expenses, we've mapped out common fertility treatments and their average cost in the U.S. without insurance.

Globally, one in six people experience infertility.

Intrauterine insemination (IUI)

A type of artificial insemination, this procedure can be done without anesthesia and may be less expensive than other types of fertility treatments.

Average cost: between $300 - $1,000

In vitro fertilization (IVF)

IVF involves a combination of medications and surgical procedures. You likely will need to factor in fees for ultrasounds, blood tests, lab work and more. Keep in mind IVF treatment cost can vary and it takes several months to complete the process.

Average cost: $15,000+

Egg freezing

To preserve fertility, a person may choose to freeze her eggs to fertilize later. Most of those who go this route undergo an average of two cycles of retrieving and freezing eggs.

Average cost: $30,000 - $40,000 for treatment and storage

Donor eggs

Premature ovarian failure, diminished ovarian reserve and other health conditions may cause someone to require donor eggs to conceive. Donor eggs are also a common option for same-sex couples.

Average cost: The cost of egg donations can vary widely, ranging from $15,000 for a donation through an IVF clinic to over $40,000 for a private egg donation through an agency.

Gestational surrogacy

If a person is unable to carry a baby for any reason, they may opt for a gestational surrogate, someone who carries the baby through pregnancy. This may also include an egg or sperm donor, depending on your circumstances.

Average cost: $100,000 - $225,000, which includes embryo creation, egg donation, agency fees, legal fees, surrogate compensation and insurance costs.

Graphic with the title, "Average cost of fertility treatments." Treatment: Intrauterine insemination (IUI) and average cost is between $300 to $1,000. Treatment: In vitro fertilization (IVF) and average cost is $15,000 or more. Treatment: Egg freezing and average cost is between $30,000 to $40,000. Treatment: Donor eggs and average cost is between $15,000 to $40,000. Treatment: Gestational surrogacy and average cost is between $100,000 and $225,000.

Save for fertility treatment

Fertility treatments can be expensive, but you can take steps to make costs more manageable.

If you want to start a family and will need treatment, start putting aside money. With buckets and boosters, features of an Ally Bank Savings Account , you can optimize your savings to get to your important goal that much faster.

Other options to pay for fertility treatment

Beyond saving, consider these alternative ways to finance treatment.


Depending on your coverage, your provider may cover all or part of the cost of fertility treatment. More than 20 states have fertility coverage laws, with over half of those including IVF. Check your specific policy for details and coverage amounts.


If you have a health savings account (HSA) or flexible spending account (FSA) through your employer, fertility treatments are eligible for reimbursement.

Personal financing

If treatment is unaffordable, consider a personal loan. Some lenders and financial institutions provide personal loans specifically for IVF and other fertility treatments. With these types of installment loans, you can make payments over time. The amount and interest rate you qualify for will depend on factors like your income, credit score and the term you request.

Credit cards

You may also choose to charge treatments to a credit card. Keep in mind that means you'll be paying more in interest. If you go this route, qualifying for a low- or no-interest card can help keep costs down.

Find the right fertility financing option for you

The path to parenthood is not always straightforward. If your journey includes fertility treatment, you have options to afford it. Analyze all your choices to find the best method for you and your family.

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