Fertility
Fertility clinics under pressure to pause price rises, as cost of living crisis forces patients into debt
More than 90 per cent of fertility patients in the UK have experienced financial worries in relation to treatment

UK fertility clinics have come under pressure to pause price rises, as growing numbers of patients are getting into debt to pay for treatment.
Dr Catherine Hill, Fertility Network UK’s head of policy and public affairs, spoke of a “toxic combination” of the cost of living price hikes and the lack of access to NHS-funded fertility treatment, which could leave patients priced out of the market, with potentially serious repercussions for their mental health.
She said couples are facing “mountains of debt” and some are being pressured into making unwelcome treatment choices.
“Patients should not be facing the decision to discard much wanted embryos because they can’t afford the costs of transferring them or storing them. Patients should not be swayed into donating their eggs or having a double embryo transfer rather than the recommended single transfer in order to afford necessary medical healthcare. And patients should not be having to forego monitoring scans or genetic testing to avoid inherited conditions in order to be able to continue with treatment,” Hill explained.
“With half of UK fertility patients unable to afford to move forward with fertility treatment and others considering potentially risky options to be able to access care, this is a crisis point for fertility patients and the sector.
“It is a scandal for the country that pioneered IVF over 45 years ago and it is rooted in the lack of equitable access to NHS-funded fertility care and the continuing steep cost of private treatment.”
The charity is calling for fertility clinics to expand the financial support for patients struggling to afford treatment, urging private providers to be clear on treatment costs.
“We urge clinics to consider halting price hikes or providing payment pauses for patients facing their stored embryos being destroyed and, for those who don’t already, to offer payment plan packages.”
Clare Ettinghausen, director of strategy and corporate affairs at Human Fertilisation and Embryology Authority (HFEA), said the regulator is concerned that patients are limited in their treatment choices by the cost of storage or transfer of embryos.
“Most fertility patients pay for their own treatment and this can be very expensive, as well as emotionally difficult,” she said.
“Clinics should be giving clear information about the costs of treatment, including any future costs such as storage or embryo transfer to patients before they start treatment.”
A survey by Fertility Network UK of almost 200 patients found that 95 per cent had experienced financial worries in relation to fertility treatment, with 92 per cent saying these problems had been exacerbated by the cost of living crisis.
Half of respondents said a combination of the cost of living crisis, the lack of NHS-funded help and the high cost of private care meant they were unable to move forward with fertility treatment.
One patient, who asked to remain anonymous, told the charity: “We have one frozen embryo left that we spent two years saving for. We can’t afford to have that embryo transferred. Next month the year’s freezing expires so we will have to try and find the money to pay for another year’s freezing or our embryo will be destroyed. Sadly, we can’t do anything more, we are broke.”
Prices for fertility treatments have risen in recent months, in line with inflation throughout the rest of the economy. Many IVF providers said they had no choice but to increase treatment costs to stay afloat.
Dr Suvir Venkataraman, director at Harley Street Fertility Clinic, said: “All clinics are being hit by inflation and as a result price increases are inevitable.
“Harley Street Fertility specialise in treating patients with a complex medical history who seek the optimum treatment for their condition and fertility challenges. Achieving leading success rates as a clinic often leads to higher initial treatment costs.
“Our sample storage fees had remained unchanged since we opened, 13 years ago. However, owing to cost increases in equipment and liquid nitrogen supplies, regrettably, we had to increase our fees for the first time this year.”
Venkataraman said Harley Street Fertility Clinic partnered with three finance companies to offer patients different support packages.
“We work with three partners currently to provide customers with choice and we are open to new financial products from our finance partners. However, as a boutique clinic we are limited in our options. We call on the government and finance industry to come up with improved support for patients.”
Victoria Sephton, chief medical director at Care Fertility, said: “We try and ensure that the costs and treatment pathways for patients are clear at the start of treatment by providing in depth information through our website, information events and social channels.
“We also offer comprehensive fertility assessments for both men and women for those at the start of their fertility journey. By offering patients a clear understanding of their path to parenthood from the start, we allow them to effectively manage the costs associated with their treatment plan.”
Fertility benefits providers, which have grown exponentially since 2019, are pressing employers to do more to support people looking to pursue fertility treatment.
Leila Thabet, VP of global growth at Maven Clinic, said: “Fertility benefits have already become a must-have among US employers, and we’ve started to see many multinational companies with employees in the UK embracing these benefits.
“Over 60 per cent of IVF treatment is privately funded in the UK and, certainly, during a cost of living crisis, employers who prioritise investment in this critically under-supported phase of life will be substantially easing the pressure on their employees, given the prohibitive cost of care for many families.
“Employers have historically focused on the financial aspect of fertility benefits, but there is a growing realisation that, although this is vital, it’s not the only role employers can play, as employees also lack critical, emotional and clinical support through the fertility journey.”
Jenny Saft, co-founder and CEO of the fertility benefits platform Apryl, added: “Fertility treatments can be financially demanding. In a situation where individuals are already grappling with increased living costs, the additional burden of fertility treatment expenses can be overwhelming.
“Fertility benefits play a vital role not just as a healthcare provision but as a crucial support system for couples and individuals embarking on their fertility journey. With the financial pressures that the cost of living crisis brings, these benefits become even more significant.”
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Fertility
No clear evidence common embryo transfer techniques improve IVF success, review finds

Common IVF preparation techniques used before embryo transfer have no proven effect on pregnancy rates, according to a review.
Researchers said evidence for the widely used practices remains uncertain because available studies are limited and generally of low quality.
Embryo transfer is the final and most vulnerable stage of IVF, when an embryo is placed into the womb. Only around one in three transfers results in pregnancy.
Practice varies between clinics, with some routinely using preparation techniques such as adjusting bladder fullness while others do not consider them necessary.
Dr Ryosuke Akino, practising obstetrician-gynaecologist from Kato Ladies Clinic, said: “To an extent, this is a case of tradition driving practice rather than the evidence.
“Current practices in this area often reflect local protocols, clinician preference, and historical convention rather than strong, high-quality evidence.”
The Cochrane review analysed 11 studies involving 2,524 women undergoing embryo transfer.
Researchers looked at three preparation techniques used by fertility clinics: having women arrive with a full bladder to straighten the angle between the uterus and cervix, removing cervical mucus and using a technique called afterloading.
Afterloading is a technique used to guide the embryo through the cervix.
The review found no reliable evidence that any of the three approaches improved pregnancy rates compared with standard care.
Researchers rated the evidence as low or very low certainty because the trials were small and had methodological weaknesses. They found no grounds to recommend any of the techniques over standard care.
There was also limited information about possible side effects.
The review team, which included methodologists and practising obstetrician-gynaecologists, said full bladder preparation and cervical mucus removal were generally considered safe, with no clear evidence of harm or major complications.
Dr James Brown, obstetrician-gynaecologist from Women’s Health and Research Institute Australia, said: “While these techniques are generally considered safe, it’s still important to test their effectiveness.”
Akino and Brown added: “A full bladder can be uncomfortable, although it may ease catheter insertion in certain uterine positions and reduce procedural difficulty.
“Mucus removal is usually quick, but if done roughly and causes bleeding, it may affect the woman’s experience.
“Overall, the risks are minor and relate mostly to discomfort and procedural factors rather than clinical harm.”
The authors said embryo transfer has changed relatively little despite major advances elsewhere in IVF.
Research has instead focused more heavily on embryo quality and genetic factors, which have a greater bearing on treatment success than transfer technique.
Embryo transfer also depends heavily on the person carrying out the procedure and can be difficult to standardise, making large, rigorous clinical trials harder to design.
Researchers said women may also be reluctant to risk valuable embryos by taking part in randomised studies comparing different transfer techniques.
Dr Noyuri Yamaji from Showa Medical University in Japan said: “Sixteen years of research still haven’t answered a basic IVF technique question.
“This is a critical step in the IVF process and these small changes and techniques have the possibility to make a massive difference, but we won’t know more until more robust, better-quality trials are conducted.”
All the studies assessed were carried out in high-income countries, meaning the findings may not necessarily apply to other healthcare settings and populations.
The authors said further research could be particularly valuable in resource-limited settings, where these procedures are inexpensive and simple to change and basic procedural standardisation could matter more than advanced technical modifications.
Insight
Natural Cycles receives sixth FDA clearance for fertility algorithm

Natural Cycles has received its sixth FDA clearance for an updated fertility algorithm designed to personalise digital contraception.
The regulator cleared the company’s next-generation NC° Fertility Algorithm, which combines statistical modelling with machine learning to predict fertile and non-fertile days.
Natural Cycles said the algorithm was trained on tens of millions of real-world fertility data points and adapts to individual cycle patterns.
“People don’t just want effective birth control; they want a method that fits naturally into their lives,” said Dr Elina Berglund Scherwitzl, chief executive and co-founder of Natural Cycles.
“One of the unique advantages of a software-based contraceptive is that it can continue to evolve.
“As our scientific understanding of fertility grows and we continue to learn from more than a decade of real-world data, we can responsibly refine the technology through rigorous research, clinical validation, and FDA review.
“This latest clearance is the result of that work, helping us give many users more flexibility while maintaining the effectiveness they rely on.”
Evidence supporting the FDA clearance showed that the updated system maintained the app’s established safety and effectiveness while giving many users more Green Days.
Green Days are those on which the app confirms that pregnancy protection is not needed.
The birth control app remains 98 per cent effective when used as intended and 93 per cent effective with typical use, according to the company.
Natural Cycles said these rates place it in the same effectiveness category as the combined oral contraceptive pill.
Typical use includes mistakes or inconsistent use, while intended use means following the method correctly.
Digital contraception uses technology and physiological data, such as body temperature, to provide personalised fertility predictions.
Natural Cycles said its updated algorithm can identify fertile and non-fertile days more precisely than traditional fertility awareness methods, which may classify larger parts of the cycle as potentially fertile.
The changes provide more Green Days while maintaining effectiveness, improve performance for people with irregular cycles and better handle lower-quality temperature or biomarker data, the company said.
A biomarker is a measurable biological signal, such as body temperature, that provides information about processes taking place in the body.
Natural Cycles also said the system can personalise its predictions more quickly as a user’s menstrual cycle changes over time.
“Years ago, the question was whether digital contraception could work. Today, Natural Cycles has demonstrated robust clinical and real-world evidence that it can,” said Dr Kerry Krauss, senior medical adviser at Natural Cycles.
“The next chapter for digital contraception is making it more personalised and easier to use while maintaining the same high standard of safety.
“This FDA clearance demonstrates how advances in AI and machine learning can improve the user experience while preserving the scientific rigour expected of a regulated medical device.”
Natural Cycles has filed a patent application covering key innovations in the updated algorithm.
The decision follows the FDA’s first De Novo clearance of the company’s birth control app in 2018.
Later clearances allowed the app to integrate with the Oura Ring in 2021 and Apple Watch in 2023.
In 2024, the FDA cleared a Predetermined Change Control Plan, creating a regulatory pathway for future hardware integrations.
Natural Cycles said the plan has since enabled the launch of its NC° Band and other hardware integrations, including a Garmin connection introduced in March 2026.
A further clearance in 2025 allowed the birth control app to be offered both over the counter and by prescription.
The company has also received regulatory authorisations in more than eight markets worldwide, including Europe, Canada, Brazil, Australia, South Korea and Singapore.
Fertility
Fertility startup American Baby Company secures US$4m

A fertility startup has raised US$4m and will open its first lower-cost IVF clinic in West Palm Beach later this year.
It will offer a full IVF cycle, including medications, for US$8,995.
Around 12 per cent of American couples struggle with infertility, according to the company, but only 14 per cent of them receive IVF because of the cost.
A single IVF cycle costs an average of US$23,500, it said, with the cost nearly doubling if further cycles are needed.
Co-founder and chief executive Van Spina said: “We’re building ABC around a straightforward premise: IVF has become unnecessarily expensive, and many patients are priced out before they ever have a real chance to start a family.”
“This is personal for me. My fiancée and I went through IVF ourselves, including multiple failed cycles,” Spina continued, citing Jamie Rapp.
“That experience pushed me to build the kind of fertility company we wished had existed when we began treatment.”
The US$4m seed round was led by Wormhole Capital and Tower Research Ventures.
In a blog post, New York-based Tower Research described ABC as a new model for fertility care, praising its “evidence-based protocols, AI-assisted intake, and modern lab workflows.”
“When we met the team at The American Baby Company (ABC), we saw an opportunity to rethink how fertility care is delivered in the US from the ground up,” the post said.
Co-founder and chief medical officer Dr Paul Magarelli is a board-certified reproductive endocrinologist and one of the most prominent voices in the US on expanding access to fertility care, according to Tower.
Reproductive endocrinology is a branch of medicine concerned with hormones and fertility.
Magarelli developed the Clinical Fertility Physician certification programme, which trains generalist clinicians to deliver routine fertility procedures under specialist oversight.
Spina spent his early career as a technology investor at Warburg Pincus before founding an institutionally backed data business in private credit.
“We’re on a mission to become the place Americans go to start their families,” Spina said.
“Our 10-year goal is to help make 250,000 babies per year.”
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