Fertility insurance is getting unbundled.
What’s happening: Flora Fertility secured $5M to scale its individually owned, preventative family planning platform.
Policymaker. A new model, Flora offers monthly coverage starting at $15, spanning diagnostics, medications, IUI, and IVF. Decoupling from employers, it uses AI-driven risk underwriting and modeling for independent policies, designed to move with users across companies and careers.
Rising costs. Despite affecting one in six adults globally, 32% of women find services inaccessible. With average costs running up to $50K, <2% can budget for care.
An alternative to elective egg freezing, Flora offers healthy 20–34-year-old women more affordable autonomy. Partnering with women’s health apps and SMBs, it hopes to bring earlier access and proactive planning to a market of ~10M prospective users.
Looking ahead: Responding to years of inaccessible fertility care, Flora is betting on a new approach, putting the power in the individual’s hands.
