Medicaid does not cover surrogacy costs, and women who are enrolled in the program would risk losing coverage for themselves and their families if they carry a surrogate baby. Hoylman, and even some surrogacy critics, say having no rules puts surrogates and intended parents at risk.

Does any insurance cover surrogacy?

Technically, none! There are no ACA medical plans that are specifically designed to cover a woman for surrogacy. She will need to have a medical insurance plan that does not have an exclusion for her using the maternity benefit of the policy while acting as a surrogate.

How can I get a free surrogate?

If you are looking to find a free surrogate mother, you might start by looking within your own network for an eligible friend or family member who wishes to carry for you. Otherwise, finding an altruistic surrogate is often a path you must take on your own.