To elucidate the means by which polymer solutions protect cells from freezing injury, we cooled human monocytes to -80.degree. C or below in the presence of various polymers. Differential scanning calorimetric studies showed that those polymers which protect cells best have a limiting glass transition temperature (T''g) of .apprx. -20.degree. C; those with a T''g significantly higher or lower did not protect. Freeze-etch electron micrographs indicated that intracellular ice crystals had formed during this freezing procedure, but remained smaller than .apprx. 300 nm in the same proportion of cells as survived rapid thawing. we propose that cryoprotection of slowly frozen monocytes by polymers is a consequence of a T''g of -20.degree. C in the extracellular solution. In our hypothesis, the initial concentration and viscosity of protective polymer solutions reduced the extent and rate of cell water loss of extracellular ice and limit the injurious osmotic stress, which cells face during freezing at moderate rates -20.degree. C. Below -20.degree. C, glass formation prevents further osmotic stress by isolating cells from extracellular ice crystals, virtually eliminating cell water loss at lower temperatures. On the other hand, the protective polymer solutions will allow some diffusion of water away from cells at temperatures above T''g. If conditions are correct, cells will concentrate the cytoplasm sufficiently during the initial cooling to T''g to avoid lethal intracellular freezing between T''g and the intracellular T''g, which has been depressed to low temperatures by that concentration. Thus, when polymers are used as cryoprotective agents, cell survival is contingent upon maintenance of osmotic stress within narrow limits.