Elective egg freezing: pricey, uneven coverage, and tax considerations
Elective egg freezing remains expensive and poorly covered by insurance, with a single cycle averaging about $16,000 and total costs potentially reaching $47,000 when multiple cycles, storage, and implantation are included. Workplace benefits are the main source of coverage today, but many plans cap benefits and broad coverage is rare; only a minority of insurers and states provide comprehensive protections. If an employer pays for the benefit, it is typically treated as earned income and taxed, potentially increasing the tax bill, while medical-related preservation may be deductible.