How can I afford egg freezing?
<div class="user-question">Hi Frich! My friends around me are starting to talk about egg freezing but it's so expensive. I'm freaking out about getting older but I'm not ready to have a family yet. What should I do for some peace of mind?</div>
Hey there, and thanks for the question!
We love seeing more women talk openly about fertility planning, because for most of us, it’s not just about biology. It’s about timing, finances, and building a life that actually fits you.
First, let us introduce ourselves. We’re Christy and Laura, co-founders of FLORA. We help women protect their fertility through the first individually owned fertility insurance. We pretty much live and breathe this topic every day.
<div class="frich-tip">Frich tip: Read the guide we co-wrote with the FLORA team here!</div>
First - we totally get it.
You’re not overreacting, and you’re definitely not alone. So many women in their 20s and 30s are quietly panicking about fertility timelines. You see friends starting to talk about egg freezing, and suddenly you’re wondering if you’re “falling behind.”
Fertility anxiety is real. Studies show that more than 70% of Gen Z women start feeling anxious about their fertility before age 25 - even though most are nowhere near ready to start a family.
You’re ambitious, you’re building your career, maybe paying off student loans, and you don’t want biology dictating your choices. We get that, because we’ve both been there.
Let’s start with the big question: “Should I freeze my eggs?”
Egg freezing sounds empowering, and for some women, it really is. It lets you preserve your eggs for later. But it’s important to understand what egg freezing actually does (and what it doesn’t).
Egg freezing isn’t a guarantee or an insurance policy. What it really does is preserve eggs for future use through IVF. That means freezing is only step one. To use those eggs, you’ll need to go through IVF later, which adds another $15,000–$30,000 in costs.
So while egg freezing is often marketed as “fertility insurance,” it’s actually a commitment to more procedures down the road. It can be an amazing option for women who know they’ll need help conceiving later, but it’s not a financial or medical safety net for everyone.
Here’s what many people don’t realize:
- Fewer than 15% of women who freeze their eggs ever go back to use them.
- Success rates are not guaranteed.
- It’s an expensive, invasive process (think daily hormone injections and multiple clinic visits).
So if you’re in your early or mid-20s and still figuring out your path, freezing your eggs might not be the most practical first step.
<div class="frich-tip">Frich tip: Are you considering to freeze your eggs? Make sure to start saving for the procedure early - and keep that money in a CD so it grows during the months & years you're preparing for this meaningful decision. Here are the CDs the Frich team uses.</div>
Not sure what to do next? Start small.
Book a quick fertility assessment to understand your baseline, read up on what egg freezing actually involves, and compare clinic options before committing.
If you’re not ready for procedures, you can still take smart steps, such as track your hormones, learn about your cycle, or look into coverage that helps make fertility care more affordable later. The goal isn’t to decide everything now - it’s just to start learning about your body, so your future choices feel like choices, not pressure.
Helpful resources from our women’s health partners
Whether you’re just getting curious about fertility or actively planning ahead, these are great places to start.
- Flora Fertility Insurance - Learn more about portable, individually owned fertility coverage built for today’s realities
- Aavia - Hormonal health tracking and birth control support designed to help you better understand your cycle and hormones
- Bird & Be - At-home fertility and reproductive health tests, supplements, and guidance for anyone planning ahead
- Daye - Sustainable and science-backed period care that’s better for your body and the planet, including organic tampons, vaginal screening kits, and period pain clinics
- Rosy - Science-backed sexual wellness platform supporting women’s mental, emotional, and physical wellbeing through every life stage
- Upstream - Modern sexual and reproductive health organization expanding access to contraceptive care and informed choice nationwide
- Oova - Smart hormone tracking and at-home fertility diagnostics that help you understand your cycle with real clinical data
Found this valuable? Here are some more deep dives from the Frich team 🤝
✅ QUIZ: What's in your money future?
✅ What insurance do I actually need?
✅ How do I actually build wealth in my 20s?
Egg freezing is one tool in the toolkit (and a great one for many!), but it shouldn’t be the only one. Fertility planning doesn’t have to mean draining your savings or putting your body through intense procedures before you’re ready.
With thanks,
Laura & Christy
Co-Founders, FLORA
