IUI Cost in 2026: What One Cycle Really Costs
An IUI cycle usually costs a few hundred to a few thousand dollars, depending on your market, whether you use fertility medications, and what the clinic bundles into its price.
Reviewed by Conner, Co-Founder & Research Lead
$550–$4,800 per cycle
Total before insurance, depending on medications and market.
Monitoring and washing may be extra
Ask whether the quote bundles them.
Most people plan for several cycles
Budget for more than one attempt.
Quick answer
What does IUI cost?
A single IUI (intrauterine insemination) cycle typically costs $550–$4,800 before insurance in a standard-cost market. What you pay depends mostly on the medications: a natural cycle is the least expensive, oral medications such as Clomid or letrozole cost a little more, and injectable medications cost the most.
Those totals include the procedure and office visit, monitoring ultrasounds and bloodwork, and sperm washing. Some clinics bundle monitoring and washing into one price and others bill them separately, so ask for an itemized quote. Higher-cost states such as California and New York run higher, up to $700–$5,300 across protocols.
By protocol
IUI cost by type of cycle
| Type of IUI cycle | Typical total per cycle | What is different |
|---|---|---|
| Natural cycle (no medications) | $550–$1,550 | Little or no medication. Fewer monitoring visits. |
| Oral medications (Clomid or letrozole) | $700–$1,900 | Inexpensive pills. Slightly more monitoring. |
| Injectable medications (gonadotropins) | $1,850–$4,800 | The largest cost. The most monitoring. |
Standard-cost market, partner sperm, monitoring and sperm washing billed separately. Totals are before insurance and before any one-time consultation or testing.
Breakdown
IUI cost breakdown
| Cost component | Typical range per cycle | What affects it |
|---|---|---|
| Insemination procedure and office visit | $200–$900 | Your market and clinic |
| Fertility medications | $0–$3,000 | None, oral or injectable |
| Monitoring (ultrasounds, bloodwork) | $200–$1,000 | Number of visits, which rises with injectables |
| Sperm washing and preparation | $150–$400 | Clinic lab fees |
| Donor sperm (if used) | +$200–$1,000 | Sperm bank, donor profile, shipping |
The procedure and office visit
The insemination itself takes only a few minutes. The fee covers the procedure and the visit and runs about $200–$400 in standard-cost markets, $250–$600 in mid-cost markets and $350–$900 in higher-cost markets.
Fertility medications
A natural-cycle IUI uses little or no medication, apart from an optional trigger shot. Oral medications run $50–$450 and injectable gonadotropins run $1,000–$3,000. See IVF medication cost for how fertility drug pricing works.
Monitoring and sperm washing
Monitoring ultrasounds and bloodwork help time the insemination, and injectable cycles need more visits. Sperm washing prepares the sample. Ask whether each is included in the base fee, because that is the most common reason two IUI quotes look different.
By market
IUI cost by market
We group states into three cost tiers. The procedure fee is highest in the higher-cost tier, which includes California, New York, Massachusetts, Connecticut, New Jersey and Maryland. Mid-cost states include Texas, Florida, Illinois, Pennsylvania, Washington, Colorado, Georgia, North Carolina and Virginia. The other states fall in the lower-cost tier. Across all three protocols, a cycle totals $550–$4,800 in standard-cost markets, $600–$5,000 in mid-cost markets and $700–$5,300 in higher-cost markets.
Enter your ZIP in the IUI cost calculator to see your tier and a personal estimate, or browse fertility costs by state.
Planning
How many IUI cycles to budget for
Many clinics suggest talking about IVF after about three to six unsuccessful IUI cycles, depending on age and diagnosis. Multiplying the per-cycle range by the number of cycles gives a quick budget:
| Cycles | Total before insurance |
|---|---|
| 1 cycle | $550–$4,800 |
| 2 cycles | $1,100–$9,600 |
| 3 cycles | $1,650–$14,400 |
Low end assumes natural cycles and the high end assumes injectable cycles every time. Most people land well inside the range.
IUI vs IVF
How IUI cost compares with IVF
IUI costs far less per cycle than IVF, which runs $13,000–$24,000 for a typical cycle with standard medications. IUI also has a lower success rate per cycle, so the total cost depends on how many cycles you need. See why IVF is so expensive and the IVF cost calculator if you are comparing the two.
Paying for it
Insurance, HSA and FSA
Insurance coverage for IUI varies widely. Some plans cover monitoring or medications but not the procedure, and a few states require fertility coverage that includes IUI. Check your plan and read our state-by-state insurance guide. Fertility treatment is generally a qualified medical expense, so you can often pay with HSA or FSA funds. If you need to spread the cost, compare fertility financing options.
Questions
IUI cost FAQ
How much does IUI cost?
An IUI (intrauterine insemination) cycle typically costs $550–$4,800 in total in a standard-cost market: $550–$1,550 for a natural cycle, $700–$1,900 with oral medications such as Clomid or letrozole, and $1,850–$4,800 with injectable medications. Higher-cost states run higher.
Is IUI cheaper than IVF?
Yes, per cycle. A single IUI cycle costs a fraction of a typical IVF cycle, which runs $13,000–$24,000 including standard medications. IUI has a lower success rate per cycle, so the total cost depends on how many cycles you need.
What is included in the cost of IUI?
The procedure fee covers the insemination and the office visit. Monitoring ultrasounds and bloodwork, sperm washing and fertility medications are sometimes bundled and sometimes billed separately, so ask for an itemized quote.
How much does IUI with fertility medications cost?
Oral medications such as Clomid or letrozole add about $50–$450 per cycle, and injectable medications add about $1,000–$3,000. Injectable cycles also need more monitoring visits.
How many IUI cycles should you budget for?
Many clinics suggest talking about IVF after about three to six unsuccessful IUI cycles, depending on age and diagnosis. Three cycles would total about $1,650–$14,400 before insurance across all protocols, with most people landing well inside that range.
Does insurance cover IUI?
Coverage varies widely. Some plans cover monitoring or medications but not the procedure, and a few states require fertility coverage that includes IUI. Check your plan, and see whether your state has a mandate in our insurance guide.
Does IUI cost more with donor sperm?
Yes. In our estimates donor sperm adds about $200–$1,000 per cycle, and actual costs depend on the sperm bank and donor profile.
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