New York – September 28, 2026 -- Women trying to conceive spend a median of $543 and track three hormone cycles out of pocket before fertility insurance coverage typically begins, according to a real-world analysis released by Oova and Flora Fertility.
Analysis tracks 49 users who conceived using at-home hormone monitoring
The study examined data from 49 Oova users spanning 2021 to 2026 who subsequently reported a pregnancy. Users tracked a median of four hormone cycles overall, with some spending more than $2,000 across multiple years before conceiving.
Median conception journey runs three cycles, with 73% succeeding within six
Among the group, the median time to conception was three tracked cycles, and 73% conceived within six cycles. The average monitoring spend of roughly $543 compares with a published average of $1,000 for a fertility diagnostic workup and $38,000 for a single IVF cycle.
Companies flag a coverage gap in the earliest phase of fertility care
Both companies say the data exposes a structural gap: fertility benefits typically activate only after diagnosis or treatment, leaving the active trying-to-conceive phase entirely self-funded. Oova Founder Dr. Amy Divaraniya said the women in the data were not waiting on the system but solving the problem themselves, cycle after cycle, at their own expense, and questioned why the most engaged phase of the fertility journey remains the one without industry support.
Firms plan employer pilots offering covered hormone monitoring
Oova and Flora Fertility are extending the research through a follow-up study of members' care journeys, alongside employer pilots that would offer covered hormone monitoring to employees actively trying to conceive. The companies noted the current analysis covers only users who reported a pregnancy, meaning it describes journey length and cost within that group rather than overall conception rates or treatment savings, questions the forthcoming research aims to address.