An IUD is one of the few pieces of American health care where the uninsured price and the insured price are separated by more than a thousand dollars for exactly the same twenty minutes of work. Insurance plans that follow the Affordable Care Act have to cover it entirely, so the cash market exists almost solely for people with no plan, a grandfathered plan or an exempt religious employer plan.
That cash market is unusually well documented, because family planning clinics and price-transparency laws both push the numbers into the open. This guide uses published prices as of September 2026 from Planned Parenthood affiliates, a Minnesota OB-GYN group’s state-mandated price posting, a manufacturer’s own uninsured price, prepaid marketplace rates and 2024 Medicare claims data, and it covers Mirena, Paragard, Kyleena, Liletta and Skyla in one place, because the pricing logic is identical across all five.
What Does an IUD Cost Without Insurance?
Prices below are published self-pay rates as of September 2026, plus average submitted charges from the CMS Medicare Physician & Other Practitioners file (2024 claims, released May 2026).
| Service / Type | Low | Average | High |
|---|---|---|---|
| IUD all-in (exam, device, insertion, follow-up) | $0 | n/a | $1,800 |
| IUD without insurance, per Planned Parenthood’s own blog | $500 | n/a | $1,800 |
| IUD insertion prepaid (MDsave national) | $106 | $609 | $2,223 |
| Insertion visit at a family planning clinic | n/a | $785 | n/a |
| Insertion procedure only, CPT 58300 (OB-GYN self-pay) | $264 | n/a | $330 |
| Paragard (copper) device, J7300 | $1,300 | n/a | $1,800 |
| Mirena device, J7298 | $1,520 | n/a | $1,900 |
| Kyleena device, J7296 | $1,272 | n/a | $1,901 |
| Liletta device, J7297 | $850 | n/a | n/a |
| Skyla device, J7301 | $1,280 | n/a | $1,600 |
| IUD removal, CPT 58301 | $0 | $140 | $294 |
| Removal, CPT 58301 average billed charge (office) | n/a | $297.24 | n/a |
| Title X clinic, income at or below 100% FPL | $0 | $0 | $0 |
Sources: Planned Parenthood states that getting an IUD costs anywhere between $0 and $1,800 and that the price includes medical exams, insertion and follow-up visits, while its blog gives $500 to $1,800 for people not using insurance and its removal page gives $0 to $250; Planned Parenthood South Atlantic posts IUD insertion at $785 and removal at $140; Planned Parenthood of Florida lists devices starting at $850 excluding insertion, with Liletta at $850 and Paragard at $1,300; Premier Women’s Health of Minnesota posts both a gross charge and a self-pay price for each line (CPT 58300 at $330 and $264, CPT 58301 at $368 and $294.40, Paragard at $1,800 and $1,440, Mirena at $1,900 and $1,520, Kyleena at $1,901 and $1,520.80, Skyla at $1,600 and $1,280); Bayer’s Kyleena patient site states that without insurance the cost of Kyleena is $1,272.44; MDsave’s national listing for IUD insertion ranges from $106 to $2,223 with an MDsave national average of $609; the billed-charge row is the national average submitted charge in the CMS 2024 physician file.
Two things stand out. The device is the expensive part, not the procedure. And the same device carries very different prices depending on who is selling it, with Paragard at $1,300 from one Planned Parenthood affiliate and $1,440 self-pay from a private OB-GYN group.
What Drives the Price
Whether the quote includes the device
This is the single biggest source of confusion. Planned Parenthood of Florida explicitly notes that its device prices exclude insertion fees and office visits, while Planned Parenthood’s national page says its $0 to $1,800 range already includes the exam, the placement and follow-up visits. A $300 quote and a $1,700 quote can both be honest. Ask whether the number covers the device, the placement and the visit, or only one of them.
Which device
Liletta is consistently the cheapest hormonal option in published lists, at $850 from Planned Parenthood of Florida and undercutting Mirena and Kyleena by hundreds of dollars. Skyla sits in the middle at $1,280 to $1,600 in the Minnesota posting. Paragard, the only copper device, is priced like a premium hormonal IUD despite containing no hormones.
Where you go
A Title X family planning clinic, a Planned Parenthood health center and a private OB-GYN practice are three different price structures. The Minnesota OB-GYN group’s posted self-pay total for a Mirena placement is $1,520 for the device plus $264 for the insertion, roughly $1,784, before any office visit. Planned Parenthood South Atlantic charges $785 for insertion and adds a $52 birth control consult.
The office visit you may not have counted
Planned Parenthood of Florida charges $100 to $125 for a birth control visit on top of the device, and notes that a visit is only required if you have not yet chosen a device. Planned Parenthood South Atlantic charges a $52 birth control consult. Budget for it unless the clinic tells you the price is bundled.
Removal and replacement
Removal is cheap relative to placement but it is not always free. Planned Parenthood puts it at $0 to $250, Planned Parenthood South Atlantic at $140, and the Minnesota group at $294.40 self-pay. In the CMS 2024 physician file, CPT 58301 carried an average submitted charge of $297.24 in office settings against an average Medicare-allowed amount of $95.71, which is a fair snapshot of the gap between what gets billed and what a payer actually pays. If you are replacing a device rather than stopping, expect removal and insertion to be billed as separate procedures.
Cash Price vs. Insurance
For IUDs, insurance is not a close call. HealthCare.gov states that Marketplace plans must cover contraceptive methods and counseling for all women as prescribed, without a copayment or coinsurance from an in-network provider, even before the deductible is met, and it names implanted devices such as IUDs specifically. Bayer’s Mirena page and CooperSurgical’s Paragard page both repeat the same rule, and both tell patients to call the number on the insurance card and ask about coverage under the ACA using the device’s J code.
The catch, which both manufacturers flag, is that a plan may cover the device but still leave you responsible for product-related costs such as the insertion or removal procedure. That is worth confirming before the appointment rather than after.
Medicaid is the other strong route. Bayer’s own patient page notes that all Medicaid programs are required to cover family planning services without cost sharing, and that most Medicaid patients have no out-of-pocket expense for an IUD.
If you genuinely have no coverage, do not start by shopping private OB-GYN offices. The cheapest published paths, in order, are a Title X clinic on a sliding scale, a manufacturer assistance program, then a family planning clinic’s flat cash rate, then a prepaid marketplace price, then a retail OB-GYN quote.
How to Pay Less
- Find a Title X clinic first. The HHS Office of Population Affairs states there is no charge for Title X services for people with family incomes below 100% of the federal poverty level, and services are discounted on a sliding scale between 101% and 250%. In the most recent reporting year, 60% of Title X clients received services at no charge and another 23% at a discount. Community health centers work the same way; our guide to free clinics and sliding-scale care explains how to find both.
- Apply for manufacturer assistance before you pay for the device. Bayer’s Kyleena and Mirena patient pages both point uninsured patients to the Bayer US Patient Assistance Foundation, a charitable organization that helps eligible patients get Bayer prescription medicines at no cost, reachable at 1-866-228-7723. For Paragard, CooperSurgical directs uninsured patients to self-pay through its specialty pharmacy partner, Biologics by McKesson, at 1-888-275-8596. These programs cover the device, not the procedure.
- Ask for the cheapest device that fits. If cost is the deciding factor and your clinician agrees a hormonal IUD is appropriate, Liletta at $850 versus Kyleena at $1,272 or more is a real difference for a device that does the same job. Clinics stock what they stock, so ask what they carry before the appointment.
- Get the price split out in writing. Request a good-faith estimate that separates the J code (device), CPT 58300 (insertion) and the office visit. Planned Parenthood South Atlantic’s page reminds uninsured and self-pay patients that they have the right to request one under the No Surprises Act. If a bill arrives higher than the estimate, an itemized hospital bill and our medical bill negotiation guide are the tools to fix it.
- Compare the quote against published rates. Use our fair price checker and the price-transparency postings hospitals and clinics are required to publish, explained in our hospital price transparency guide.
- Do not let a placement get billed as a hospital outpatient procedure. MDsave’s national spread of $106 to $2,223 for the same insertion is mostly a story about setting. An office is cheaper than a hospital clinic, every time.
Copper vs. Hormonal, and the Cost per Year
The sticker price is the wrong number to compare across devices, because they last different lengths of time. Bayer does this math on its own page: at $1,272.44 for an uninsured patient, Kyleena works out to about $21 per month over five years.
Paragard is labeled by CooperSurgical for up to 10 years, while Planned Parenthood’s copper IUD page says the device lasts up to 12 years. Sources disagree, so treat 10 years as the conservative figure. At Planned Parenthood of Florida’s $1,300 price, ten years of Paragard is $130 per year, which is cheaper per year than almost any monthly method. Mirena, labeled by Bayer for up to eight years, lands in similar territory.
That is the honest case for the cash price. Paying $1,300 at once is a real barrier, and the per-year math only helps if you keep the device. If you are weighing options month to month, our guide to birth control costs without insurance covers pills, the ring, the shot and the patch, and Plan B pricing covers emergency contraception. The Nexplanon arm implant is the other long-acting option and prices out similarly.
Bottom Line
Budget $0 to $1,800 all in, and expect a real cash quote somewhere between $850 and $1,800 once you add the device to the insertion. Removal is $0 to about $295. If you have an ACA-compliant plan or Medicaid, you should pay nothing, so call and confirm before you accept a cash quote. If you have no coverage, call a Title X clinic and a manufacturer assistance program before you call an OB-GYN office, because both of those can take the number to zero.
This page covers costs and navigation only. Which device is right for you, and whether an IUD is appropriate at all, is a conversation for a clinician. If a related procedure comes next, we also price colposcopy and D and C procedures.