Why Fertility Insurance Belongs in Your Budget Before You Need It

We plan for our futures in all sorts of ways—savings accounts, student loans, career goals. But when it comes to fertility, we often leave things up to chance. FLORA Fertility is changing that.

FLORA is fertility insurance you can actually afford. For as little as $15/month, it covers things like IVF, IUI, diagnostics, and meds—aka the stuff that costs tens of thousands if (and when) you ever need it. It’s made for women without current fertility issues who want to plan smarter, not later.

Here’s why: FLORA’s monthly premiums range from $15–$75, with most policies averaging around $40/month. But your eligibility and rate are influenced by age and lifestyle—so applying between ages 21–28 is ideal. You can still get a policy up until age 34, and use it anytime up to 45.

Why does this matter now?

Because the best (and only) time to get a FLORA policy is between the ages of 20–34. The earlier you get in, the less costly the rates and the more freedom you have to live life on your timeline.

This is where financial literacy meets future planning. Fertility treatments can cost over $50,000 out-of-pocket—and only 2% of people who need them can actually afford them. By investing early in a policy that you own and control, you’re not only protecting your reproductive future, you’re also setting yourself up to avoid massive financial stress later.

You wouldn’t wait until your car breaks down to get insurance. And you even insure your phone and pet! Fertility coverage should be no different.

And if you’re thinking, “But I don’t even know if I want kids yet,” FLORA is still for you. This isn’t about rushing a decision. It’s about giving yourself options, autonomy, and peace of mind. As FLORA puts it: Apply today, have kids someday.

It’s time we started thinking of fertility coverage as a smart, proactive investment—not a last resort.

Explore your eligibility at heyflora.co. It’s your timeline, your life, your future.