Gestational surrogacy in the United States costs between $125,000 and $200,000, with most intended parents paying $150,000 to $180,000. This comprehensive financial guide breaks down all major expenses including surrogate compensation ($65,000-$95,000), agency fees ($35,000-$55,000), medical and IVF costs ($25,000-$40,000), legal fees ($15,000-$20,000), and insurance coverage ($8,000-$35,000). The guide explores how location affects costs, hidden expenses to budget for, financing options, and practical strategies for making gestational surrogacy more affordable. From working with surrogacy agencies to understanding health insurance coverage, this guide provides intended parents with the real numbers and budgeting tools needed to plan their surrogacy journey successfully.
