Embryo, egg and sperm storage

How much does embryo storage cost?

Frozen embryos and eggs keep billing for as long as they stay in the tank. Here is what 37 US fertility clinics post on their own websites for storage, each fee beside what it covers, plus long-term storage facilities and sperm banks.

Fees read · checked 14 h ago
$500–$1,500a year to store embryos
$400–$1,500a year to store eggs
37clinic websites post a fee

At the 23 clinic websites that post a yearly fee for storing embryos, keeping them frozen costs $500 to $1,500 a year per patient. Storing frozen eggs costs $400 to $1,500 a year at the 25 clinic websites that post an egg storage fee. 46 clinic websites post a freezing fee or a package that already includes storage, from 1 month to the first year, so the yearly bill usually starts after that. Long-term storage facilities post $465 to $650 a year for embryos.

How it is billed

What you pay, and when

Storage is rarely one line on a bill. It starts inside the freezing fee, turns into a yearly charge, and can move to another building.

1. Freezing, with the first months included

The fee to freeze embryos or eggs, or the IVF or egg freezing package itself, often includes some storage. 46 clinic websites post a freezing fee or a package that already includes storage, from 1 month to the first year, so the yearly bill usually starts after that.

2. A yearly (or monthly) storage fee

After that, clinics bill storage once a year, usually in advance, or monthly. Most fees cover all of one patient's embryos or eggs; a few are per straw or vial, which costs more the more you store.

3. Moving to long-term storage

Some clinics keep embryos only a year or two and then move them to an outside facility, and anyone can choose to move them. Clinics that post a fee to release or ship them charge $250 to $500. Long-term facilities' fees.

4. Thawing, when you use them

Using a stored embryo means a frozen embryo transfer, which has its own price, usually including the thaw. Storage stops when the last embryo or egg is used, donated or discarded, as your consent forms direct.

Over the years

What storage adds up to

The lowest and highest posted yearly fee for embryos and for eggs, each one clinic's own price, times the years. Real bills also rise with price increases, and the first year is often included in the freezing fee.

  • Embryos, Cooper Institute for Reproductive Hormonal Disorders
    Embryo storage, paid yearly: $500 a year; or $150 a quarter charged to a card on file; from its fee schedule dated April 2023, which its pricing page links
    1 year$500
    5 years$2,500
    10 years$5,000
  • Embryos, Spring Fertility
    Embryo storage: $1,250 a year; its New York price, paid in full
    1 year$1,250
    5 years$6,250
    10 years$12,500
  • Eggs, Florida Institute for Reproductive Medicine
    Egg storage: $400 a year; after five years of free egg storage, per its egg freezing page
    1 year$400
    5 years$2,000
    10 years$4,000
  • Eggs, Spring Fertility
    Egg storage: $1,250 a year; its New York price, paid in full
    1 year$1,250
    5 years$6,250
    10 years$12,500

Prepaying several years

  • Morgan Fertility & Reproductive Medicine, Egg storage, 5 years: $2,500 for 5 years
  • Legacy, Bundle: 2 samples, 3 years of storage: $1,495 for 3 yearsincludes an STI test
  • Legacy, Bundle: 2 samples, 10 years of storage: $2,095 for 10 yearsincludes an STI test
  • Legacy, Bundle: 3 samples, 25 years of storage: $4,995 for 25 yearsincludes an STI test and a DNA fragmentation test
  • CryoGam Colorado, Embryo storage, 5-year plan: $1,750 for 5 years
  • Fairfax Cryobank, Embryo storage, 5 years prepaid: $2,210 for 5 years
  • Fairfax Cryobank, Embryo storage, 10 years prepaid: $3,900 for 10 years
  • Fairfax Cryobank, Egg storage, 5 years prepaid: $1,800 for 5 years
  • Fairfax Cryobank, Egg storage, 10 years prepaid: $3,300 for 10 years
  • Fairfax Cryobank, Sperm storage, 10 years prepaid: $3,300 for 10 years
  • Family Fertility CryoBank, Embryo or egg storage, 5 years: $1,650 for 5 years
  • Family Fertility CryoBank, Forever storage plan: $4,995 prepaidthe patient must check in with the facility every 5 years
  • ReproTech, Embryo storage, 3 years: $1,319 for 3 years
  • ReproTech, Egg or sperm storage, 3 years: $1,205 for 3 years
Clinic fees

What each clinic posts for storage

Read on Oct 10, 2026 on each clinic's own website: 37 clinic websites post a storage fee and 26 more say how much storage their freezing or IVF price includes, covering 69 clinic locations. Fees are never averaged or ranked, because one covers all of a patient's embryos and another a single straw.

Alaska1Arizona3California15Colorado2Connecticut1Florida5Georgia1Hawaii1Idaho1Illinois2Indiana1Louisiana2Massachusetts2Minnesota2Mississippi1New Jersey4New York8North Carolina1Pennsylvania1Tennessee1Texas4Utah1Virginia3Washington3Wisconsin3

Embryo and egg storage cost in Alaska (1 clinic)

  • Katie Ostrom MD, LLC
    Homer
    • Embryo storage: $600 a yearone yearly fee for stored embryos, eggs or sperm, after the first year
    • Egg storage: $600 a yearthe same yearly fee, after the first year
    • Sperm freezing: $300 one-time
    • Egg freezing: $8,050 includes the first year of storagemedications, labs and ultrasounds not included
    • IVF: $9,500 includes the first year of storage

Embryo and egg storage cost in Arizona (3 clinics)

  • Arizona Reproductive Medicine Specialists, LLC
    Phoenix
    • Embryo storage: $600 a yearor $60 a month
    • Sperm storage: $600 a yearor $60 a month; the same fee covers eggs or embryos on its egg-sharing program
    • Egg storage, with its egg freezing plans: $99 a month ($1,188 a year)
  • New Direction Fertility Centers
    Gilbert
    • Long-term embryo storage: $600its price list does not say for what period
    • Long-term egg storage: $400its price list does not say for what period
    • Long-term sperm storage: $300its price list does not say for what period
    • IVF: $6,500 includes the first year of storageICSI, anesthesia and medications not included
  • Southwest Fertility Center
    Phoenix
    • IVF: $9,500 includes the first year of storagemedications, anesthesia and PGT not included

Embryo and egg storage cost in California (15 clinics)

  • California IVF Fertility Center
    Sacramento
    • Single cycle package: $18,000 includes the first year of storageone retrieval and one frozen embryo transfer; medications not included
  • CARE Fertility
    Glendale
    • CARE IVF package: $11,950 includes the first year of storagemedications not included
    • Egg freezing: $6,500 includes the first year of storagemedications not included
  • HRC Fertility-Pasadena
    Pasadena
    • Egg freezing cycle: From $16,000 includes the first year of storagemedications included; from its package list for international patients
  • Labryo Fertility Center
    Newport Beach
    • Embryo banking package: $8,250 includes the first year of storageup to 15 embryos; storage after the first year is on a fee schedule it does not post
    • Egg banking package: $6,800 includes the first year of storageup to 15 eggs; medications and monitoring not included
  • Life IVF Center
    Irvine
    • Embryo storage: $750 a yearor $70 a month
    • Egg storage: $750 a year
    • Sperm freezing: $750 includes the first year of storageup to 3 vials; $200 for each additional vial
  • Loma Linda University Center for Fertility and IVF
    Loma Linda
    • Egg freezing (egg retrieval): About $6,000 includes the first year of storagemedications not included; storage is billed yearly after the first year
  • Northern California Fertility Medical Center
    Sacramento
    • Egg freezing: $13,200 includes the first year of storage
    • Sperm storage (off-site): $750 a yearthe clinic's estimate
    • Sperm freezing: $740 one-time
  • Pacific Fertility Center
    San Francisco
    • IVF (without PGT): From $18,000 includes the first year of storagemedications not included
    • Egg freezing: $9,750 includes the first year of storagemedications not included
  • Pacific Fertility Center-Los Angeles
    Los Angeles
    • Egg storage: $700 to $1,000 a yearthe clinic's estimate
    • Egg freezing package: $11,000 includes the first year of storage
  • Reproductive Sciences Medical Center
    San Diego
    • Egg storage: $800 a yeara flat yearly fee, in its own San Diego lab
    • Egg freezing cycle: About $18,000 includes the first year of storagemedications included; then about $800 a year
  • Spring Fertility-East Bay
    Oakland
    • Embryo storage: $950 a yearits California price, paid in full; the clinic's estimate
    • Egg storage: $950 a yearits California price, paid in full; the clinic's estimate
    • Sperm storage: $950 a yearits California price, paid in full; the clinic's estimate
  • Spring Fertility-San Francisco
    San Francisco
    • Embryo storage: $950 a yearits California price, paid in full; the clinic's estimate
    • Egg storage: $950 a yearits California price, paid in full; the clinic's estimate
    • Sperm storage: $950 a yearits California price, paid in full; the clinic's estimate
  • Spring Fertility-Silicon Valley
    Sunnyvale
    • Embryo storage: $950 a yearits California price, paid in full; the clinic's estimate
    • Egg storage: $950 a yearits California price, paid in full; the clinic's estimate
    • Sperm storage: $950 a yearits California price, paid in full; the clinic's estimate
  • Tree of Life Center for Fertility, California Fertility Clinics
    Tarzana
    • Egg storage: $800 a yearthe clinic's estimate
    • Egg freezing VIP package, one cycle: $8,900 includes the first year of storage
  • West Coast Fertility Center
    Fountain Valley
    • Egg freezing, one cycle: $2,995 includes the first year of storagetesting, medications, anesthesia and monitoring not included
    • Embryo freezing, one cycle: $4,495 includes the first year of storageincludes ICSI; testing, medications, anesthesia and monitoring not included
    • Sperm freezing: $500 includes the first year of storage

Embryo and egg storage cost in Colorado (2 clinics)

  • CNY Fertility Colorado
    Colorado Springs
    • Egg storage: About $600 a year
    • Egg freezing, with medications and monitoring: $7,594 includes the first year of storagethe clinic's estimate
    • IVF Guarantee Package, under 35: $20,000 includes the first year of storageup to 6 retrievals and unlimited transfers; medications not included
  • Denver Fertility-Albrecht Women's Care
    Englewood
    • Annual embryo storage: $1,000 a year
    • IVF, first phase: $10,200 includes 6 months of storagestorage for up to 8 embryos; cash or check price $9,894

Embryo and egg storage cost in Connecticut (1 clinic)

Embryo and egg storage cost in Florida (5 clinics)

Embryo and egg storage cost in Georgia (1 clinic)

Embryo and egg storage cost in Hawaii (1 clinic)

  • Tripler Army Medical Center IVF Institute
    Tripler AMC
    • Embryo storage: $753.93 a yearfor any number of embryos, eggs or sperm, starting 12 months after egg retrieval; from its 2020 fee list, which its fertility clinic page links; for military families
    • Egg storage: $753.93 a yearthe same yearly fee; from its 2020 fee list, which its fertility clinic page links; for military families
    • Freezing embryos or eggs: $1,570.68 includes the first year of storageany number; from its 2020 fee list, which its fertility clinic page links; for military families

Embryo and egg storage cost in Idaho (1 clinic)

Embryo and egg storage cost in Illinois (2 clinics)

  • Advanced Fertility Center of Chicago
    Gurnee
    • Embryo storage, each year after the first: $1,000 a year
    • Embryo freezing: $1,000 includes the first year of storage
    • Egg storage, each year after the first: $1,000 a year
    • Egg freezing cycle: From $8,000 includes the first year of storagemedications not included
  • InVia Fertility Specialists
    Hoffman Estates
    • Embryo freezing: $1,195 includes 3 months of storagefrom its 2023 freezing payment policy, which its forms page links
    • Embryo storage: $195 a quarter ($780 a year)billed every quarter in advance; from its 2023 freezing payment policy, which its forms page links

Embryo and egg storage cost in Indiana (1 clinic)

Embryo and egg storage cost in Louisiana (2 clinics)

Embryo and egg storage cost in Massachusetts (2 clinics)

Embryo and egg storage cost in Minnesota (2 clinics)

Embryo and egg storage cost in Mississippi (1 clinic)

Embryo and egg storage cost in New Jersey (4 clinics)

Embryo and egg storage cost in New York (8 clinics)

Embryo and egg storage cost in North Carolina (1 clinic)

  • Reproductive Endocrinology Associates of Charlotte
    Charlotte
    • Embryo storage: $79 a month ($948 a year)billed for each kind stored (eggs, embryos or sperm); from its October 2026 price list
    • Egg storage: $79 a month ($948 a year)billed for each kind stored (eggs, embryos or sperm); from its October 2026 price list
    • Sperm storage: $79 a month ($948 a year)billed for each kind stored (eggs, embryos or sperm); from its October 2026 price list
    • Egg or embryo freezing: $600 one-time
    • Sperm freezing: $500 one-time

Embryo and egg storage cost in Pennsylvania (1 clinic)

Embryo and egg storage cost in Tennessee (1 clinic)

Embryo and egg storage cost in Texas (4 clinics)

Embryo and egg storage cost in Utah (1 clinic)

Embryo and egg storage cost in Virginia (3 clinics)

Embryo and egg storage cost in Washington (3 clinics)

  • Olympia Women's Health, Olympia Fertility
    Olympia
    • Embryo storage: $600 a yearone yearly fee for stored sperm, eggs or embryos
    • Egg storage: $600 a year
    • Sperm storage: $600 a year
    • Sperm freezing: $600 includes the first year of storageper sample; more samples within two weeks cost $500, $400 and $300
  • Poma Fertility
    Kirkland
    • Egg freezing: $8,420 includes the first year of storage$8,230 paid by eCheck
    • IVF freeze-all cycle: $13,400 includes the first year of storage$13,100 paid by eCheck
  • Think Fertility
    Bellevue
    • Egg freezing: $8,895 includes 1 month of storagelater storage is billed through Embryo Options
    • IVF (freeze-all): $11,995 includes 6 months of storageanesthesia and medications not included

Embryo and egg storage cost in Wisconsin (3 clinics)

A fee counts only when the clinic's own website states it as its price. A general figure such as "storage typically costs $500 to $1,000 a year" does not, nor does a range a clinic says an unnamed outside company charges, nor an old price list the site no longer links. A clinic missing here may still store embryos; ask it for its storage fee in writing, and for how long the freezing fee covers storage.

Outside the clinic

Long-term storage facilities

Some clinics move embryos and eggs to an outside facility after a year or two, and some patients move them on their own to pay less or to free a clinic's tank. These facilities post their own fees.

  • CryoGam Colorado
    A sperm bank and long-term storage facility for embryos, eggs and sperm in Loveland, Colorado
    • Embryo storage, 1-year plan: $500 a yearper client
    • Embryo storage, 5-year plan: $1,750 for 5 years
    • Egg storage, 1-year plan: $500 a yearper client
    • Sperm storage, 1-year plan: $420 a yearper client
    • Shipping (priority overnight): $310 one-timeplus $30 inventory and $60 packaging fees
    • Sperm freezing, first deposit: $250 one-time per samplelater deposits $235
  • Fairfax Cryobank
    A sperm bank that also stores patients' embryos, eggs and sperm long term (Virginia, Texas, Pennsylvania, Minnesota, California)
    • Embryo storage, paid monthly: $45 a month ($540 a year)per patient, whatever the number of embryos
    • Embryo storage, 1 year prepaid: $650 a yearper patient, whatever the number of embryos
    • Embryo storage, 5 years prepaid: $2,210 for 5 years
    • Embryo storage, 10 years prepaid: $3,900 for 10 years
    • Shipping embryos (FedEx overnight, one tank): $360 one-time per canister
    • Egg storage, paid monthly: $55 a month ($660 a year)per patient, whatever the number of eggs
    • Egg storage, 1 year prepaid: $530 a yearper patient, whatever the number of eggs
    • Egg storage, 5 years prepaid: $1,800 for 5 years
    • Egg storage, 10 years prepaid: $3,300 for 10 years
    • Shipping eggs (FedEx overnight, one tank): $425 one-time per canister
    • Sperm freezing, per sample: $375 one-time per sample
    • Sperm storage, paid monthly: $55 a month ($660 a year)per account, whatever the number of vials
    • Sperm storage, 1 year prepaid: $530 a yearper account, whatever the number of vials
    • Sperm storage, 10 years prepaid: $3,300 for 10 years
  • Family Fertility CryoBank
    A long-term storage facility in San Diego and Tustin, California, for embryos, eggs, sperm and tissue moved from clinics
    • Embryo storage, 1 year: $475 a year
    • Egg storage, 1 year: $475 a year
    • Embryo or egg storage, 5 years: $1,650 for 5 years
    • Forever storage plan: $4,995 prepaidthe patient must check in with the facility every 5 years
    • Sperm storage, 1 year: $475 a year
    • At-home sperm freezing kit: $550 includes the first year of storageshipping both ways included
  • ReproTech
    The long-term storage facility many US clinics move embryos and eggs to after the first year or two
    • Embryo storage, 1 year: $465 a yearprepaid; rates posted on its page for patients moving from Kindbody Atlanta
    • Embryo storage, paid quarterly: $129 a quarter ($516 a year)prepaid
    • Embryo storage, 3 years: $1,319 for 3 years
    • Egg storage, 1 year: $425 a yearone rate for eggs or sperm; no extra fee for them if embryos are also stored there
    • Sperm storage, 1 year: $425 a year
    • Egg or sperm storage, 3 years: $1,205 for 3 years

Also checked, with no posted price: Cryoport (CryoStork), Cryos International USA and New England Cryogenic Center.

Outside the clinic

Storing your own sperm at a sperm bank

Sperm banks also store a man's own sperm (before cancer treatment, a vasectomy or IVF), with a freezing fee and then a yearly storage fee.

  • California Cryobank private storage (Fertility Options by CooperSurgical)
    California Cryobank's service for men storing their own sperm (Los Angeles, Los Altos, Cambridge MA, Manhattan)
    • Collecting and freezing a sample: $550 one-time per sampleeach additional freeze $250
    • Sperm storage: $50 a month ($600 a year)
  • The Sperm Bank of California
    A nonprofit sperm bank in Berkeley that also stores men's own sperm
    • Sperm storage: $600 a yearplus a $500 account set-up; fees effective April 2026
    • Processing and freezing the first sample: $550 one-time per sample
    • Shipping stored sperm: $375 to $425 one-time
Outside the clinic

At-home sperm freezing kits

Mail-in kits: you collect a sample at home, a courier takes it to the company's lab, and storage is billed yearly or prepaid.

  • CUBBY
    An at-home sperm freezing kit from a San Diego lab; storage renews through Family Fertility CryoBank
    • Freezing kit: $450 includes the first year of storage
    • Storage after the first year: $450 a year
    • Shipping stored sperm within the US: $250 to $450 one-time$250 within California, up to $450 to Hawaii and Alaska
  • Fellow
    A mail-in semen analysis and sperm freezing kit
    • Semen analysis and freezing kit: $199 one-time per sample
    • Storage subscription: $240 a year per sample
  • Legacy
    At-home sperm freezing: collect a sample at home and mail the kit to its lab
    • Kit and freezing, 1 sample: $540 includes the first year of storage per sample
    • Storage on the 1-year plan: $245 a year per sampleless per year on longer plans
    • Bundle: 2 samples, 3 years of storage: $1,495 for 3 yearsincludes an STI test
    • Bundle: 2 samples, 10 years of storage: $2,095 for 10 yearsincludes an STI test
    • Bundle: 3 samples, 25 years of storage: $4,995 for 25 yearsincludes an STI test and a DNA fragmentation test
    • Shipping a frozen sample to a US clinic: From $500 one-time
Moving them

Shipping frozen embryos, eggs or sperm

Specialist couriers move frozen material between clinics and storage facilities in a liquid-nitrogen dry shipper.

  • ARK.CRYO
    A courier for frozen embryos, eggs and sperm; it posts prices only for international shipments
Moving them

What clinics charge to release or ship frozen embryos and eggs

Moving to a new clinic, a new city or a cheaper facility starts with the current clinic's release or shipping fee. The receiving side and the courier may charge separately.

  • Morgan Fertility & Reproductive Medicine, Embryo shipping or receiving: $500 one-time
  • Specialists in Reproductive Medicine & Surgery, Shipping frozen eggs back from long-term storage (ReproTech): $250 one-timepaid to the storage facility
Paying for it

FSA, HSA and insurance

Storage is a medical bill, so pre-tax money can often pay it, but insurance rarely does.

FSA and HSA

The IRS lists IVF, including the temporary storage of eggs or sperm, as a medical expense. In the IRS's words: "Procedures such as in vitro fertilization (including temporary storage of eggs or sperm)." (IRS Publication 502, Fertility Enhancement). An FSA or HSA pays for expenses that would qualify for that medical expense deduction. (IRS Publication 969). Publication 502 names eggs and sperm, not embryos, so check with your plan administrator before paying an embryo storage bill from the account, and keep the itemized invoice. More ways to pay for treatment.

Insurance

Insurers are billed for storage by the year, under separate codes for embryos (89342), sperm (89343), reproductive tissue (89344) and eggs (89346), and a plan can exclude it: one insurer's medical policy, for example, does not cover storing semen, eggs or ovarian tissue. (Priority Health medical policy 91393-R2). State fertility preservation laws that say whether they cover storage:

  • Georgia: From January 1, 2026, fully-insured plans must cover fertility preservation (egg, sperm, embryo or ovarian tissue freezing, with up to a year of storage) when treatment for cancer, sickle cell disease or lupus may cause infertility.
  • Kentucky: Since 2023, health plans (including student plans) must cover egg and sperm preservation, with a year of storage, when a medically necessary treatment may cause infertility.
  • Louisiana: Plans must cover fertility preservation for people with cancer whose treatment may cause infertility (storage may be excluded after three years).
  • Maryland: Fertility preservation is covered when a medical treatment may cause infertility (sperm and egg storage excluded).
  • New Hampshire: Fertility preservation is covered, including storage for the policy term.
  • Oklahoma: Since January 1, 2025, health plans, including the state employees' plan, must cover fertility preservation (not storage) for people of reproductive age diagnosed with cancer.
  • Texas: Plans must cover fertility preservation (collecting eggs, sperm or ovarian tissue, not storage) before cancer treatment that may cause infertility.

How to check your own plan

Unpaid fees

What happens if you stop paying

The consent forms you sign before freezing say what the clinic does if fees go unpaid, if it cannot reach you, or after a divorce or a death. Read them, and keep your contact details current with the clinic.

The American Society for Reproductive Medicine's ethics committee: "In the absence of program-specific policies, cryopreserved embryos may be considered unclaimed when an individual or couple with dispositional control cannot be contacted for a reasonable period of time after reasonable efforts by the program." And: "Embryos are not considered unclaimed, however, if the storage fees are paid because this constitutes contact with the person who retains dispositional control." (ASRM Ethics Committee, Disposition of unclaimed embryos (2021)).

How long

How long embryos and eggs can stay frozen

For years. The studies disagree on whether long storage costs a little: all of them look back at past records, and patients who come back years later differ from those who come back soon.

  • The largest single-clinic study, of 58,001 vitrified blastocysts over 11 years, found no link between storage time and outcomes. "This large study demonstrated no association between storage time and clinical outcome." (Cobo et al., American Journal of Obstetrics and Gynecology, 2024)
  • A 2026 meta-analysis of 23 studies (254,017 cycles, all looking back at records) found somewhat lower live birth rates after longer storage, mostly within the first year, and no further drop after two years. "Prolonged embryo cryopreservation is associated with lower clinical pregnancy and live birth rates, particularly within the first 3-12 months of storage, but rates plateau after 2 years." (Wei et al., Human Reproduction Open, 2026)
  • A study of 36,665 frozen transfers at one Chinese center found a small drop for good-quality blastocysts stored more than 5 years. "Vitrification cryopreservation of good-quality blastocysts for more than 5 years is associated with a decrease in the implantation rate (IR) and live birth rate (LBR)." (Zhan et al., Human Reproduction, 2024)
  • For frozen eggs, a New York study of 5,995 eggs stored up to 11 years found storage time made no difference. "Length of time in cryostorage is not associated with compromised rates of oocyte thaw survival, fertilization, blastulation, ploidy, or pregnancy outcomes." (Roger et al., Journal of Assisted Reproduction and Genetics, 2025)
  • The longest-stored embryo known to have led to a birth spent 30 and a half years in storage: it was created in 1994, and the baby was born in Ohio in July 2025. "Thaddeus Daniel Pierce, who arrived on July 26, developed from an embryo that had been in storage for 30 and a half years." (MIT Technology Review, July 29, 2025)
  • US law gives no clear rule on when unclaimed embryos may be discarded. "At present, United States law does not give clear guidance on when it is lawful to dispose of unclaimed embryos" (ASRM Ethics Committee, Disposition of unclaimed embryos (2021))
  • The UK, by contrast, caps storage at 55 years, with consent renewed every 10 years. "The law now permits you to store embryos for use in treatment for any period up to a maximum of 55 years from the date that the embryos are first placed in storage." (HFEA, Embryo freezing)
FAQ

Common questions about storage costs

How much does embryo storage cost per year?

At the 23 clinic websites that post a yearly fee for storing embryos, keeping them frozen costs $500 to $1,500 a year per patient. 46 clinic websites post a freezing fee or a package that already includes storage, from 1 month to the first year, so the yearly bill usually starts after that. Long-term storage facilities post $465 to $650 a year for embryos. These are each clinic's and facility's own posted fees, read on Oct 10, 2026; they are never averaged, because one fee covers all of a patient's embryos and another is charged per straw.

How much does egg storage cost per year?

Storing frozen eggs costs $400 to $1,500 a year at the 25 clinic websites that post an egg storage fee. Egg freezing prices often include the first months of storage; ask how long, and what the fee is after that.

How much does sperm storage cost?

Sperm storage costs $300 to $950 a year at the clinics that post it and $420 to $660 at sperm banks and storage facilities. A freezing (banking) fee for each sample usually comes first.

How much does it cost to store embryos for 10 years?

At the lowest posted yearly fee ($500, Cooper Institute for Reproductive Hormonal Disorders) ten years cost $5,000; at the highest ($1,250, Spring Fertility), $12,500, before any price increase. Prepaying several years lowers the cost at some clinics and facilities.

Can I pay for embryo storage with an FSA or HSA?

Usually, for egg and sperm storage at least. The IRS lists IVF, including the temporary storage of eggs or sperm, as a medical expense. The IRS's own words: "Procedures such as in vitro fertilization (including temporary storage of eggs or sperm)." An FSA or HSA pays for expenses that would qualify for that medical expense deduction. The publication names eggs and sperm, not embryos, so ask your plan administrator whether it accepts an embryo storage bill, and keep the clinic's itemized invoice.

Does insurance cover embryo storage?

Often not, and it depends on the plan. Insurers are billed for storage by the year, under separate codes for embryos (89342), sperm (89343), reproductive tissue (89344) and eggs (89346), and a plan can exclude it: one insurer's medical policy, for example, does not cover storing semen, eggs or ovarian tissue. State fertility preservation laws that say whether they cover storage: Georgia: From January 1, 2026, fully-insured plans must cover fertility preservation (egg, sperm, embryo or ovarian tissue freezing, with up to a year of storage) when treatment for cancer, sickle cell disease or lupus may cause infertility. Kentucky: Since 2023, health plans (including student plans) must cover egg and sperm preservation, with a year of storage, when a medically necessary treatment may cause infertility. Louisiana: Plans must cover fertility preservation for people with cancer whose treatment may cause infertility (storage may be excluded after three years). Maryland: Fertility preservation is covered when a medical treatment may cause infertility (sperm and egg storage excluded). New Hampshire: Fertility preservation is covered, including storage for the policy term. Oklahoma: Since January 1, 2025, health plans, including the state employees' plan, must cover fertility preservation (not storage) for people of reproductive age diagnosed with cancer. Texas: Plans must cover fertility preservation (collecting eggs, sperm or ovarian tissue, not storage) before cancer treatment that may cause infertility.

How much does it cost to move frozen embryos to another clinic?

The clinics that post a fee to release or ship frozen embryos or eggs charge $250 to $500 (2 clinic websites), and the receiving clinic or facility may charge to receive them. A specialist courier's fee is often separate.

What happens to frozen embryos if you stop paying storage fees?

It depends on the consent forms you signed at your clinic, which say what happens to embryos if fees go unpaid or the clinic cannot reach you. Under the American Society for Reproductive Medicine's ethics guidance, a clinic without its own policy may treat embryos as unclaimed, and thaw them without transfer, when it cannot reach the patients for a reasonable time despite reasonable efforts. Paying the storage fee counts as contact, so embryos whose fees are paid are not unclaimed.

How long can embryos stay frozen?

For many years. The largest single-clinic study, of 58,001 vitrified blastocysts over 11 years, found no link between storage time and outcomes. A 2026 meta-analysis of 23 studies (254,017 cycles, all looking back at records) found somewhat lower live birth rates after longer storage, mostly within the first year, and no further drop after two years. The longest-stored embryo known to have led to a birth spent 30 and a half years in storage: it was created in 1994, and the baby was born in Ohio in July 2025. US law gives no clear rule on when unclaimed embryos may be discarded. How long a clinic keeps them is set by its own policy and the consent forms you sign.

IVFcost.co is an informational data platform, not a clinic or storage provider. Fees are what each clinic, facility or company posted on its own website on Oct 10, 2026; they change, and what a fee covers differs, so confirm the current fee in writing. Decisions about stored embryos are governed by the consent forms you sign with your clinic.