If you’ve found yourself googling, “How can I afford IVF?”, you’re not alone — and you’re not wrong to ask. The cost of one IVF cycle in the US can range from $12,000 to $25,000, and that’s before factoring in medications, storage, or additional procedures. It’s enough to make your head spin, especially when you’re already riding the emotional rollercoaster of fertility challenges.

But here's the good news: there are ways to make IVF affordable without draining your savings or maxing out credit cards. And you don’t have to figure it all out alone either. With the right tools and partners, building your family is within reach. Here are three actionable tips that can help you make IVF more affordable, including how Future Family can support you every step of the way.

couple trying to figure out how to afford ivf

1. Break down the costs and build a budget

First things first: Know what you’re up against. IVF isn't one flat fee. Rather, it’s a collection of services that add up quickly. Fertility medications alone can cost $3,000–$6,000 per cycle. Add in monitoring, lab work, anesthesia, and embryo storage, and it’s easy to feel like costs are spiraling.

Ask your clinic for a detailed cost breakdown before you begin. Then, use that information to create a custom fertility budget. Even if it feels overwhelming, seeing the numbers in black and white can actually help you feel more in control.

2. Protect your investment with IVF insurance and make it affordable

Traditional loans and credit cards aren’t built for IVF. Future Family offers two powerful ways to make IVF more affordable, and they work even better together.

First, the standout option: Baby or Your Money Back. This IVF insurance program covers multiple treatment cycles. If you don’t bring home a baby after the covered cycles, you get your money back. You choose your coverage amount (up to $50,000) and your clinic from Future Family’s national network. It’s designed to take the “what if” fear out of the process — learn more and see if you qualify.

Second, flexible fertility financing. Need help covering the cost of your insurance plan, clinic fees, or medications? Future Family’s financing product offers personalized payment plans, coordination directly with your clinic, and the support of a dedicated fertility coach. You can pay upfront or in manageable monthly amounts, all with no hidden fees — explore their range of financing options.

Did you know that 1 in 6 people worldwide need fertility care, yet for many, the financial burden remains the biggest barrier? As more people wait longer to start families — and with over 10% of the population identifying as LGBTQ+ — family-building looks different for everyone. Future Family has supported over 10,000 patients by offering flexible financing up to $50,000, replacing large upfront costs with manageable monthly payments, plus digital support and coaching from Registered Nurses. Their new nationwide IVF insurance, with a “Baby or Your Money Back” guarantee after two unsuccessful cycles, helps patients pursue treatment with more peace of mind. As founder Claire Tomkins puts it: “It’s about success, not cycles.”

Together, these options give you peace of mind and a clear path forward: protect your investment with the insurance, and make it doable with financing.

woman working with financial planner to afford ivf

3. Look into employer benefits, grants, and HSA/FSA funds

You might have more fertility resources than you think. These days, some employers offer fertility benefits — and not just the big tech companies. Plus, new laws are starting to push insurance providers to expand their fertility coverage, making treatment more accessible.

Start by checking in with your HR department to see if your company offers any fertility benefits, reimbursements, or partnerships with financing providers. You can also look into IVF grants, many of which are specific to certain states or clinics. And don’t overlook tax-advantaged accounts like HSAs or FSAs — they can be used to cover qualified fertility expenses, including parts of your IVF cycle.

Even if your employer doesn’t cover IVF directly, they might reimburse travel to a lower-cost clinic or let you use PTO for appointments. These small wins can really add up.

couple working with fertility clinic to afford ivf

Why Future Family feels different

Most people considering IVF are emotionally exhausted before they ever walk into a clinic. The idea of piling financial stress on top? Completely overwhelming. That’s why having the right partner really matters.

Future Family offers a partnership, from personalized payment plans to one-on-one coaching and flexible options like the “Baby or Your Money Back” guarantee, they’re there to support you — not just fund you.

And their dedicated coaches? They go beyond medical advice, offering 1:1 guidance with medications, emotional support, and the kind of reassurance that makes all the difference when you're in the thick of it.

You’re already doing something incredibly brave by fighting for your family. The financial side of IVF doesn’t have to be a dealbreaker. Let’s make IVF work for you with support from trusted allies like Future Family. With Future Family, you get more than just financing, you get a partner who’s with you every step of the way.

Ready to take the next step? Apply now and get $99 off Future Family’s membership when you apply — just say you found them through us, quoting "RescriptedFriend".

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Dahlia Rimmon is a freelance writer, editor, and registered dietitian. She writes for various publications and family-focused brands, covering everything from food and supplements to overall health and wellness. Her experience spans private practice, consulting, and working in the baby food industry. She lives in St. Louis with her family.