If you have decided to start "Surrogacy in the United States"Planning, can be one of the most expensive and complex decisions you make in life. Going into 2025 and facingAmerican surrogate motherhood costsWith the uptick, the dramatic change in the legal landscape brought about by legalization in Michigan, and an average match period of 4-9 months for surrogate mothers in the midst of an imbalance between supply and demand, entering blindly often means a huge cost of trial and error.
This article is a copy of a professional U.S. attorney-verified2025 A Hands-On Guide to the Entire American Surrogate Motherhood ProcessI will help you break down the process from "contract matching" to "repatriation". From the hard indicators of surrogate mother screening to the red line of commercial insurance refusal, from the latest legal map to the safety of trust funds, I will help you dismantle every key node from "signing up for the match" to "carrying the baby back to the country", to ensure that your road to seeking a child does not take a detour, and that every cent of the budget is spent on safety. I will make sure that you will not take any detours in your journey and that every cent of your budget will be spent on safety.
I. A 90-second snapshot: for those who are eager to find answers
If you don't have time to read the whole article, please read at least these 300 words. In the matter of finding a surrogate mother in the United States, poor information can often mean tens of thousands of dollars in tuition fees.
Successful American surrogacy is not about "finding a surrogate mother to help you have a baby", it is about sophisticated project management. Its formula for success =Strict screening system + perfect legal protection + absolute segregation of funds. The absence of any of these links can lead to the loss of human and financial resources.
Based on the latest research of the Assisted Reproduction market across the U.S. to 2025, the current market is as follows:
- Cost of Time:The average cycle from signing a contract to carrying a baby home has extended to 14-22 monthsThe
Reason: Changes in the U.S. domestic labor market and inflation following the outbreak have led to a shortage in the supply of qualified surrogate mothers, and the waiting period for matches has been extended to 4-9 months from the previous 3 months. - Surrogacy costsThreshold:The safe starting budget range is $160,000-$220,000+The cost of a surrogate is in the range of $60,000-80,000.
Note: quotes below $140k usually hide significant hidden costs (e.g., insurance exclusions or poor quality legal services). Quotes that are significantly lower than the common market range need to be broken down item by item: are key costs such as insurance, reallocations, legal corroboration, and complication preplanning taken out of the equation.
Two core risks:
- Insurance denials:Surrogate mother self-insurance for 60% no longer covers surrogacy.
- Legalization gaps:Choosing the wrong surrogate-friendly state results in the inability to get a passport or a blocked parental rights determination when you return home.
This article is written for "parents-to-be". Whether you areMarried couples, singles orLGBTQ+ groupsThis article will focus on teaching you how to stand in the perspective of the A side, to "select", "management of money" and "control risk".
Second, why is the U.S. surrogacy system the "tip of the pyramid"?
There are many countries around the world that allowLegal Surrogacy(e.g.Georgia (country),Kyrgyz,Columbia (District of, or University etc)(Canada), why is the United States still the untouchable "top of the pyramid"?
The core is not in the medical technology, but in its unique"Quadripartite checks and balances"The
1. Why does the United States only do "gestational surrogacy"?
In the formal U.S. system, the surrogacy you hear about is all aboutGestational surrogacyThe
- Definition:The surrogate mother's uterus serves only as a "carrier" and the embryo is synthesized from the sperm/egg of the prospective parents or from the donor's egg.
- Key Points:The surrogate mother is not related to the child.
Traditional surrogacy: using the surrogate mother's own eggs (i.e., related by blood) is extremely risky legally and has been largely abandoned by regular clinics and organizations.
2. American surrogates have four-way checks and balances:
The safest thing about the American system is that no one party can just take over.
🏥 Clinics: medical gatekeepersThey are only responsible for the success rate. Even if the agency boasts about the surrogate mother, as long as the clinic's doctor looks at the ultrasound and says, "the lining is not up to standard" or "there is fluid", the candidate will be rejected.
🤝 surrogacy agency: Resource MatchersResponsible for recruiting surrogate moms, initial background checks, and coordinating communication. A good agency is a lubricant, a bad agency is a skinflint.
⚖️ Lawyers: guardians of the lawThis is the most critical difference: prospective parents and surrogate mothers must each hire separate attorneys to represent them. Your attorney fights only for your interests; the surrogate mother's attorney protects hers. If there is a conflict of interest, the contract is void.
💰 Trusts: regulators of fundsThe agency must never touch your money. Your medical bills, surrogate mother's compensation must be deposited into a separate third-party trust account. The trust will only release the money if they see the contractual documentation (e.g. invoices, ultrasound orders).
III. 2025Surrogacy Legal Map::
In 2025, we categorized U.S. states into three echelons based on the friendliness of their laws, the richness of their jurisprudence, and their inclusiveness of specific populations (e.g., single, same-sex).
1, the first echelon: "all green states" - the most secure
Characteristics: Surrogacy is fully legal and protected by statutory law or strong jurisprudence; has a pre-birth parental order (PBO) mechanism; and is extremely single, same-sex, and foreigner-friendly.
- Californian The industry's gold standard. No matter what your status, California courts support it. The downside: expensive and sought-after.
- Nevada, US state The law is second only to California in terms of legal sophistication, and the state is popular because there is no state tax and the actual income in hand is higher for surrogate mothers.
- Michigan [2025 Key Updates] Please update your knowledge: Michigan was once a surrogacy no-go zone, but with the passage of the Michigan Family Preservation Act of 2024, the state has officially legalized and supports paid surrogacy. Currently, Michigan has a relative abundance of surrogate mothers, making it a cost-effective "new green light" state.
- Other friendly states:Colorado,NY, Illinois, Connecticut, Maine, and others.
2. Second tier: "yellow light/conditional state" - caution required
Characteristics: Surrogacy is legal, but there are specific thresholds for prospective parents' status. If you don't qualify, the law cannot confirm your rights.
Texas & Utah
Legal tendencies:Traditionally conservative. Legal texts usually explicitly protect married couples (some judges in Texas accept singles, but require a complicated process; Utah is strictly limited).
Risk Point:If you areSingle menor unmarried couples, operating in these states requires "legal avoidance" by a very experienced attorney, or you may not get a PBO.
FloridaGenetic Limitations:Florida law requires that at least one of the prospective parents be related to the child.
Risk Point:If you are a "sperm + egg donor" full donor, avoid Florida or you will have to go through the tedious adoption process.
Note: The exact set of rules that apply in Florida depends on marital status/whether or not donor embryos are used, etc., so be sure to have your attorney fall into an enforceable path according to the shape of your family.
3、Third Tier: "Red Light Prohibited Area" - must be avoided
Characteristics: Explicitly prohibited by lawCommercial surrogacy(b) the contract is deemed "void and unenforceable".
- Louisiana, US state It is limited to heterosexual married couples only and must use their own sperm and eggs, while paid surrogacy is prohibited. This is virtually impossible to do commercially.
- Nebraska, US state The law states that a paid surrogacy contract is "void and unenforceable". This means that if the surrogate mother backs out and wants to keep the child, the contract in your hands is a piece of paper.
IV. Screening criteria for surrogate mothers in the United States:
This is the most hardcore part of the whole article. Many prospective parents are in a hurry to get started and look at the surrogate mother's photo and think it looks good and then settle, which is a big no-no. Please check the following criteria against the following criteria, one is missing.
1. Hard medical indicators (clinic gatekeeping)
These metrics are up to the doctors at the IVF clinic and there is no room for accommodation.
- Age:21-39 years old is the prime range.Over 40Surging risk of hypertension in pregnancy; too young (<21) mentally immature.
- BMI (Body Mass Index):Usually required <30-32. obesity decreases drug absorption and increases risk of blood clots and gestational diabetes.
- Childbirth history:
- Must be fertile:Must have given birth to at least 1 child at full term and be self-supporting (proof of childcare ability).
- Complications 0 tolerance:There must be no history of pre-eclampsia, gestational diabetes mellitus (requiring medication to control the class), or postpartum hemorrhage in previous pregnancies.
- Cesarean section restrictions:Usually no more than 2-3 times (depending on how harsh the clinic is).
2. Key easily overlooked invisible minefields
A lot of organizations tend to weaken this part, but this happens to be a high incidence area for late-stage rip-offs.
- Vaccination concepts:Status 2025: the anti-vaccine community in the U.S. is huge. You must ask explicitly, "Are you willing to get the flu shot, the pertussis vaccine, and the new Crown booster?" CONSEQUENCE: If the surrogate mother refuses to get the vaccine, she may be denied access to a specific delivery room by the hospital at delivery, or you may be concerned that she is passing the virus on to an unimmunized newborn.
- Partner Support Level:The surrogate mother's husband or live-in boyfriend is the biggest uncertainty. Screening point: his background check (Is there a history of domestic abuse? Criminal record?) , Does he consent to his wife's surrogacy? (If he makes a scene during the pregnancy because of his restricted sex life, the surrogate mother will have an immediate emotional breakdown).
- Stability of living conditions:Is she renting or buying? If renting, are there any plans to move in the near future? (Moving during pregnancy is a big no-no). Does the job require prolonged standing or exposure to chemicals?
3. Psychological and background screening
- Full family criminal record check:Check not only the surrogate mother, but all adults over the age of 18 living in her home. You don't want your child to be born under a roof where sexual predators or drug dealers live.
- Financial Stability:
Iron Law:A surrogate mother cannot be a surrogate to pay off a loan shark or desperately need to pay bills.
Reason:Only those who are not short of this "life-saving money" are in the most stable frame of mind. If she can't pay her rent because you're a week late with your stipend, it's an extremely dangerous partnership.
Surrogate Screening Rating Scale
| form | Standard Details | value of a score |
|---|---|---|
| basic points | Fertile + no complications + BMI eligible | 60 points |
| bonus points | 1. Up to three normal births 2. Full support of spouses 3. Experience in surrogacy 4. Live in medically rich areas such as California/Nevada |
+10 points +10 points +10 points +5 points |
| a vote of no confidence | Smoking / Alcoholism / Criminal Record / Anti-Vaccine / Divorce in Progress | knock out (in a competition) |
V. How to chat at the American Surrogate Mother Match meeting:
Once you've gotten the profile of your favorite surrogate and booked a "matching session" (usually a Zoom video), those 45 minutes will determine your relationship for the next 18 months.
1、How do I chat in a matchmaking meeting?
Don't check your records like you're interrogating a criminal. It's all in there. You want to talk about "people".
❄️ Icebreaker (5-10 minutes):
"How old are your kids? Do they know their mom is going to do something great?" (Observe her motherly glow as she talks about her children.)
"Why do you want to be a surrogate mother?" (The standard answer is usually: I enjoy being pregnant and I want to help others fulfill their dreams.)
🎯 Core claim identification (15-20 minutes):
"If you're pregnant withtwins(If you plan to move two children), can your body handle it? Can your family help?"
"We're in China and may not be able to be there for every labor and delivery, would you mind videoing us briefly after each one?"
2. Sensitive minefields: how to talk gracefully about "abortion"?
This is one of the hardest things to say but must be confirmed.
Words:"We have great respect for life and want the child to be healthy. But in the unlikely event that a maternity test reveals that the fetus has a serious genetic defect or irreversible deformity and the doctor recommends termination of the pregnancy, does your religion allow you to go along with that decision?"
Red Line:If the surrogate mother hesitates or says, "Life is a gift from God, have it anyway," and this conflicts with your values, stop the match immediately.
3. Relationship maintenance with surrogate mothers:
- Don't micromanage:Don't spend your days asking, "What did you eat today?" "Did you take a walk?" It makes her feel untrusted. It makes her feel untrusted.
- Emotional accounts:Send a bonus or a small gift on birthdays and Mother's Day. Treat her as a partner, not a uterus working for you.
Six,Surrogacy costsDismantling and [avoiding] the insurance black hole
Money, the root of all disputes.In 2025, a reasonable budget to complete a cycle of surrogacy in the U.S. was in the range of $160k-$220k. If someone quotes $120k all inclusive, please pull the plug immediately.
1. 2025 cost components disassembled
- Intermediary service fees:$30k-$50k.
- Surrogate's compensation::Big head.
- California Experienced Surrogate Mother: $70k-$90k+.
- Out-of-state first time surrogate mother: $45k-$60k.
- Legal fees:$10k-$15k (attorney's fees for both sides + PBO fees).
- Clinic medical expenses:$30k-$45k (includes screening, boosting, implantation, and medication).
- Trust management fees:$1,500-$3,000.
- Insurance costs:The most volatile one ($10k-$40k).
2. "Invisible allowance" for surrogate mother's indemnities
Don't just look at the "base monthly salary" on the contract. The following miscellaneous items can add up to $10,000 - $20,000 per month:
- Monthly allowance:$200-$300/month (for groceries, postage).
- Embryo transfer fee:$1,000-$1,500 at a time.
- Drug injection fees:A shot ranges from $20-$50.
- Breastfeeding fees:If you want her to milk postpartum, about $250/week.
- Compensation for cesarean section:$3,000-$5,000 (this is compensation for physical damage from surgery).
3. Insurance is a big pitfall: ACA commercial insurance vs. specialty surrogacy insurance
This is the easiest place for an agent to fool you.
- Will surrogate mother's own insurance work?FACT: In 2025, approximately 60%-70% surrogate mother's individual insurance policies (e.g., BlueCross, Kaiser, etc.) have a "surrogacy exclusion" in their terms and conditions. Consequence: If you use this card, the insurance company won't pay a dime, and you face hundreds of thousands of dollars in medical bills.
- What if I don't have insurance?You will need to purchase "specialty surrogacy insurance" or ACA-compatible coverage during the open enrollment period. Budget approximately $15,000-$30,000 for this premium.
- What is a lien (Lien)?Some insurance policies pay claims, but have a lien built into the terms and conditions. This means that the insurance company considers the surrogate mother to be "making money", so they have the right to "get back" the medical expenses paid out of the surrogate mother's compensation. It's ultimately the wool coming off the sheep's back (you pay).
- Insurance for newborns: the scariest risk of all.The surrogate mother's insurance only covers the pregnant woman, not the child. Once the child's umbilical cord is cut, it has nothing to do with the surrogate mother.Must Buy:International parents-to-be are required to have neonatal insurance for their babies. In case of premature labor in the NICU (Intensive Care Unit), the cost per day is $5,000-$10,000. without insurance, this can bankrupt you.
Seven,Surrogacy Processwith the timeline:
Don't expect a quick fix. It's a marathon.
1. Key nodes disassembled
Key point: start embryos early, don't wait for people to be matched before retrieving eggs.
Matching period (months 4-9)This is the most agonizing waiting period. Successful match -> check medical records -> video interview -> psychological screening.
Law and contracting (10th-11th months)Legal clearance: the clinic will only send the surrogate mother a medication form if the lawyer confirms that the contract is in order.
Medical period (months 12-13)Surrogate mother's lining conditioning -> Implantation -> Pregnancy test (HCG) -> Fetal heartbeat measurement.
Delivery -> Birth Certificate -> Passport/Travel Permit -> Return home.
2. The point in time when you must go to the United States
You only need to go to the US 2 times:
- Sperm/egg retrieval:This can be done under a tourist visa for a stay of 1-2 weeks.
- Pick up the kids:It is recommended to arrive 1-2 weeks before the expected date of delivery, and a stay of 3-4 weeks is required to process documents.
For some U.S. surrogacy agenciesYou don't have to go to the U.S. for the whole trip., specifics can be private messaged to the blogger.
VIII. Safety of surrogacy costs: trust accounts as firewalls
1. Mechanisms for the operation of the Trust
- When signing:You pay the estimated fee into a trust account managed by an attorney or licensed organization.
- When paying:Surrogate mother submits bills (e.g. maternity invoices, mileage logs) -> intermediary review -> trust company checks contract terms -> release of funds.
- Role:If the surrogate mother defaults (e.g., drug use, miscarriage), the money in the trust can be returned; if the agency goes out of business, the money in the trust is separate and creditors can't take it.
2. Guidelines for avoiding potholes
- Be wary of small workshops:Try to use a large, bonded and insured independent trust company.
- Minimum balance:Many trusts require that account balances remain above $10,000 at all times or payment of surrogates stops. Please monitor the flow of funds and replenish your positions in a timely manner.
IX. Risk control system: contract red line and failure plan
A good contract isn't about suing anyone, it's about getting the ugly word out.
1, the contract must be written to death "ugly words"
- Life support provisions:In the unlikely (though highly unlikely) event that the surrogate mother is brain dead in a car accident late in the pregnancy, will she be extubated or kept on machines until the baby is delivered by C-section? This must be written into the contract. Usually California law allows the prospective parents to decide.
- Selective fetal reduction:Who has the right to decide on the reduction of the pregnancy if there is a double transplant but the surrogate mother's body has a serious rejection, or if the fetus is defective? (Usually it is the prospective parents who decide on the basis of the doctor's recommendation, but only if the surrogate mother has given her prior consent).
2. [Decision Tree] Where is your stop loss line?
Surrogacy is not always a one-time success.
Scenario A: First implantation without implantationDecision-making:Check the surrogate's lining and hormones. If it is a fluke, usually pay about $1,000-$1,500 re-transplant fee to continue with that surrogate.
Scenario B: 2 consecutive failed transplants/biochemical abortion occursDecision-making:Switch. Don't get attached. It could be that the two are physiologically incompatible.
Scenario C: Serious default by surrogate mothersDecision-making:If you find smoking, drugs, lost for more than 24 hours. Immediately terminate the contract, even if you lose the agency fee to change. The risk is uncontrollable.
X. Frequently Asked Questions (FAQ)
Q1: What are the 3 most important criteria for prospective parents to pick a surrogate mother?
A: 1. Clean reproductive history: at least one full-term normal delivery, no history of hypertension, diabetes, or hemorrhage. 2. Stable life: no financial distress, harmonious family relationships (husband supportive). 3. Values fit: agreement on fetal reduction, vaccinations, and frequency of contact. 4.
Q2: Does a surrogate mother have to be fertile? How many babies should I have given birth to in order to be more stable?
A: Must be fertile (ASRM American Society for Reproductive Medicine criteria). Ideally have had 1-3 normal births; cesarean history is usually limited to 2-3 (depending on uterine scar recovery). Risks are too high for infertile women who don't know how their bodies react when they are pregnant.
Q3: What exactly is the psychological screening for surrogate mothers? Who pays for it?
A: Costs about $500-$1,000 by prospective parents. The screening centers on: motivation (whether it is purely for money), resilience (whether it can handle the emotions of postpartum separation), intelligence and cognition (whether it can read and understand complex medical instructions).
Q4: How can I talk about pregnancy reduction/termination without stepping on the line?
A: The core is defined in advance. It must be confirmed in the contract and in the interview: if there is a "medical reason" (endangerment of the mother or malformation of the fetus), will the surrogate mother cooperate unconditionally? If it is a "non-medical reason", most surrogates will refuse. There is no room for ambiguity.
Q5: How much is the typical surrogate mother's compensation? What extras are included?
A: Base compensation in 2025 is about $45,000-75,000. extras include: monthly allowance, transplant allowance, medication injection fee, breast milk fee, cesarean section reimbursement, twins premium (usually +10,000), lost wages and travel reimbursement.
Q6: How long does it usually take to match a surrogate mother? How can I shorten the time?
A: 4-9 months on average. Shortening techniques:
1. Funding in place (trust capital injection to prove good faith);
2. don't fetishize California (consider friendly states like Michigan, Colorado, etc.);
3. Decisive decision making (good surrogates are usually booked within 24 hours).
Q7: What is the best way to communicate with a surrogate mother out of state/me at home?
A: Set up WhatsApp/WeChat tripartite group (with intermediary translators). Set rules: reports must be sent into the group within 12 hours of the labor and delivery visit. For high-risk nodes, hire a local guide or case manager to visit the home.
Q8: What questions should I ask in a face-to-face/video interview?
A: Ask for wishes instead of checking the household. "If your doctor puts you on bed rest in late pregnancy, who takes care of the chores and children in your home?" (examine support systems); "What frequency of contact would you like us to maintain afterward?" ; "What are your honest thoughts about reducing your pregnancy?"
Q9: How can I tell if an organization is "going through the motions"?
A: Ask for and verify: original medical records (must have detailed maternity slips from previous pregnancies, not just summaries), FBI level background check reports. If you are given a simple resume, you are going through the motions.
Q10: If the first match doesn't fit, can I exchange it? What will be lost?
A: Change anytime before signing a legal contract. Loss: Cost of time. Cost: Most regular agents do not charge extra for changing a surrogate mother before signing a contract; if it is because the surrogate mother has failed a medical examination, she is usually re-matched free of charge.
Q11: How long does it take to get matched with an American surrogate mother? Why do some people get matched in 2 months and others wait for 9 months?
A: The mainstream range is generally 4-9 months, with a wide range of speed in individual cases, depending on three things:
1) How "picky" are you;
2) The adequacy of the surrogate pool;
3) The speed of your decision making.
Q12: What is included in the compensation for American Surrogate Motherhood? Why is it that when the contract says $50,000, it may end up costing $70,000 or more?
A: Because "compensation" is not a number, it usually consists of three components: base compensation, fixed allowances, and triggered add-ons, for example:
Compensation for twin/multiple births, compensation for caesarean section, compensation for bed rest/lost time at work, compensation for each transplant/re-transplantation, postnatal breast milk (if required), travel, parking, accompanying for check-ups, etc.
Q13: What exactly is the background check for surrogate mothers in the US? To what extent is a background check considered "not excessive"?
A: Background checks are not about "snooping", they are about eliminating high-risk partners. There are three layers that you typically look at:
1) Surrogate principal: any criminal record, drug-related risks, serious credit/financial crisis.
2) Adults living with you: especially if there are other adults living in the home with you - you want to avoid bringing your child into a living situation where there is a high risk of violence/sexual assault/drugs.
(3) A verifiable chain of materials: not a Profile or a verbal assurance, but a "documented, timed and sourced" verification.
concluding remarks
Going to the United States for surrogacy is a huge time-consuming and costly endeavor that tests not only your wallet, but also your patience and decision-making power.
During this process, always remember:Legal Security > Medical Success > Cost of Fees. Even if it costs a little more, you should choose the right state, the right person, and the right insurance.
Good luck with the pregnancy.
