Five Creative Ways People Are Funding Their Egg Freezing

The decision to freeze your eggs is an empowering and exciting one, but usually not affordable. While the medical benefits of egg freezing are clear for many women who want to preserve their fertility options, the cost - typically ranging from $15,000 to $20,000 per cycle - can feel completely out of reach. Insurance coverage remains limited, leaving many women searching for alternative funding solutions.

Fortunately, women today have more options than ever to help make egg freezing more financially accessible. Let's explore five creative approaches to funding egg freezing, with insights on how to evaluate which options might work best for you.

Egg sharing

Cofertility's Split program allows women to donate  eggs to a family who can’t otherwise conceive in exchange for a free egg freezing cycle, including medications, travel, and 10 years of egg storage (literally every expense related to the cycle). This arrangement helps make egg freezing more accessible while also supporting intended parents who need donor eggs to build their families. 

Learn more about the program on CBS Mornings:

Crowdfunding 

While not for everyone, some women have successfully used crowdfunding platforms to help fund their egg freezing. Women like Maggie Goodman have used GoFundMe to ask for donations from friends, family, and even strangers who want to support family-building goals. If considering this route, think carefully about your comfort level with sharing personal medical information publicly.

Maximizing HSA and FSA accounts 

About 37% of Americans report having either a Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). These plans allow you to use pre-tax dollars for medical expenses, including fertility care. While these accounts may not cover the full cost of egg freezing, they can help reduce your out-of-pocket expenses. Remember that FSA funds typically need to be used within the calendar year, while HSA funds roll over.

Social media partnerships 

A small number of women with large social media followings have worked with fertility clinics to document their egg freezing experience in exchange for free or discounted services. While this option is limited to those with significant online audiences (typically 100,000+ followers), it represents how some clinics are embracing social media for patient education and awareness. These arrangements usually require the influencer to create multiple posts or videos about their experience, sharing details about the process and their specific clinic. Of course, disclosure of such partnerships is legally required, and both clinics and influencers must follow medical advertising guidelines. This route isn't accessible to most women, but it has helped normalize conversations about egg freezing on social platforms.

Going abroad

Another option more women are exploring is freezing their eggs abroad. Countries like Spain, Czech Republic, and Mexico offer the procedure at 30-50% lower costs than U.S. clinics. The math can work out even after factoring in travel expenses, and some women combine their treatment with an extended stay abroad.However, regulations and oversight vary significantly between countries. While many international clinics maintain high medical standards, you'll want to research facilities carefully. Consider practical aspects like language barriers and how you'll handle follow-up care once you're back home. Storage security and legal protections also differ by location, so ask detailed questions about how your eggs will be maintained long-term.Read more in Pros and Cons of Going Abroad for Egg Freezing

‍More traditional ways to fund egg freezing

Of course, there are more common ways to pay for egg freezing including:

• Financing through a lender
• Taking on freelance work or consulting to save up additional money
• Taking a job at an employer that offers egg freezing as a benefit
• Asking a partner to help pay for a portion of the expenses
• Using credit cards with 0% APR introductory periods (this requires a solid repayment plan)

Summing it up

Egg freezing doesn't have to be financially out of reach. From sharing eggs with families in need to exploring treatment abroad to leveraging social media partnerships, women today have more creative options than ever to make this possible. While not every approach works for everyone, understanding these alternatives can open new doors. The most important thing is taking that first step to research your options and find a path that aligns with your goals and values.Want to learn more about the Split program? Take our quiz to see if you qualify.