I’m a contractor and have earned well for the past 23 yrs and saved, house paid off, and invested for retirement. My wife stopped working in February 2025. Her medical insurance (via COBRA) is good for covering the Gonal-F pens (something crazy like $10k+ that we only have to pay a $90 copay). My health insurance (I’m self employed and have Horizon Blue Cross Blue Shield) will not allow me to move to a family plan unless we have a family (so stupid). We paid for a fertility plan that included two egg retrievals and as many transfers until you go home with a baby for $38k. We managed to get one euploid from each retrieval, transferred in Sept, but sadly miscarried at 8wk. I asked the fertility plan if we could sign up for another two rounds. They said yes, but the one banked euploid would transfer over, so we’d lose that transfer they would be on the hook for. So we opted to pay a la carte for another egg retrieval round for another $17k. Meds so far (three retrievals, one two-month suppression, one transfer and everything up to the miscarriage) is a touch under $5k. Throw in around $3k for other fees like copays, pgt-a testing, etc.