 [ Symptoms ] i am retired and i pay for healthcare through highmark  can i keep my current insurance and get a subsidy from the government to help pay for it or do i have to purchase healthcare through the pennsylvania marketplace plan [ Disease ] surprisingly it can take as little as 30 minutes for a sperm to reach an egg in a woman is fallopian tube however sperm can live up to 72 hours 3 days inside a woman is body so fertilization could occur anywhere between 30 minutes and 3 days this slideshow by webmd gives a great visual overview of the process of conception i hope this answers your question