Money & funding
What it really costs, where it goes, and how to protect it.
10 articles
Surrogate Health Insurance in 2026 – What Changed in the Market and What You Must Check Today
Surrogacy exclusions, rising prices and one critical enrollment window – the 2026 insurance update, and three questions demanding written answers.
The Emergency Budget – The Line Items No One Warns You About
In my cost post I broke down the five big baskets of the budget. But there's a sixth, quiet basket that no agency puts on the first slide of its presentation: the surprises basket. And after accompanying hundreds of journeys, I can tell you – almost every journey has at least one surprise. The only question is whether you prepared for it.
How Much Does U.S. Surrogacy Really Cost in 2026?
It's the first question every couple asks me, usually in a whisper: "How much does it really cost?" And the honest answer is – more than what's written on the agency's homepage, and less than what keeps you up at night. Let's break it down, in today's numbers.
The Escrow Company – The One Link You Cannot Compromise On
During your surrogacy journey you will wire a six-figure sum to a company you've probably never heard of, somewhere in the middle of the U.S., and trust it to pay your surrogate, clinic and insurance – the correct amounts, on time. That company is called an escrow company, and most intended parents choose it without asking a single question. That's a mistake.
Almost everything you wanted to know about medical insurance for the surrogate
Medical insurance! These two words will intimidate anyone trying to understand insurance in the United States.
Children’s savings plan
When you return home with children who were born through a surrogacy process, and wants to take care for their future with saving accounts or plans for their future - it’s important that you…
Should you buy foreign currency before starting?
Since your surrogacy process takes place abroad, you will pay most of the service providers in a foreign currency: American dollars, Canadian dollars, Euros, etc.
Round 2 without an agency?
You made it through the first pregnancy, and you had a baby or maybe even twins. Congratulations! A month, one year, two years have gone by (I’ve even seen 6!) and you’re ready for another child.
Using crowdfunding to raise money for the surrogacy process
We all know surrogacy is expensive, and sometimes you may need the help of family, friends or even take loans. One common way of raising money for the is to use the various crowdfunding platforms.
Workplace grants and financial assistance for the process
Some workplaces give benefits to employees who are undergoing fertility treatments in general, and surrogacy processes in particular.