Using a surrogate to build your family is a significant financial commitment, but it does not have to be out of reach. While the average cost of a comprehensive surrogacy journey in the U.S. typically ranges from $150,000 to $220,000, savvy Intended Parents can significantly reduce their out-of-pocket expenses by leveraging employer benefits, strategic financing, and grants.

If you are searching for “inexpensive surrogacy” options and ways to lower surrogacy costs, it is critical to balance cost savings with legal safety. Below is your 2025 guide to funding your journey responsibly.

Key Takeaways: 

  • Employer Benefits are #1: Companies using Carrot, Progyny, or Maven often cover substantial portions of surrogacy costs.
  • Agency vs. Independent: “Indy” journeys avoid agency fees (saving ~$25k–$40k) but carry higher legal and financial risks if the match fails.
  • Grants Exist: Non-profits like Baby Quest and Gift of Parenthood award grants up to $20,000 annually.
  • Tax Reality: Under current rules, IVF costs for Intended Parents are often tax-deductible, but surrogate compensation generally is not.
  • Financing: Specialized lenders like CapexMD offer loans with no prepayment penalties specifically for fertility.

1. Compare Global Surrogacy Costs (Table)

One of the most common ways to lower costs is to look internationally. However, lower price tags often come with higher legal risks or lower medical standards.

Global Surrogacy Costs & Risk Comparison (2025)

Country Est. Cost Legality for Foreigners Risk Level
USA (Agency) $150,000 – $220,000 Fully Legal & Protected Low (Gold Standard)
USA (Independent) $100,000 – $130,000 Legal Medium (No agency protection)
Canada $75,000 – $90,000 Altruistic Only (No Pay) Low (But very long wait times)
Greece $85,000 – $100,000 Altruistic Only Low
Mexico $75,000 – $110,000 Protected in Specific States Low/Medium
Colombia $65,000 – $80,000 Protected by Court Ruling Low/Medium
Ukraine $50,000 – $65,000 Legal (Married Hetero Only) Medium (Due to conflict)
Georgia $50,000 – $65,000 Legal (Married Hetero Only) Medium (Regulatory changes pending)
Cyprus $60,000 – $70,000 Unregulated High (No legal enforcement)
Kenya/Nigeria $30,000 – $45,000 Unregulated Very High (Medical/Legal risks)

RSMC Insight: While countries like Kenya or Cyprus offer low sticker prices, the lack of legal regulation means you have zero protection if the surrogate changes her mind. Furthermore, obtaining U.S. citizenship for the child can be a complex legal hurdle in these jurisdictions.

2. Maximize Employer Fertility Benefits

The single most effective way to make surrogacy “inexpensive” and affordable is to utilize corporate benefits. In 2025, over 60% of large U.S. employers offer some form of fertility coverage. Many leading organizations are explicitly using fertility benefits to attract top talent, which is a huge advantage for Intended Parents.

Check your HR handbook for these specific benefit providers:

  • Carrot Fertility: Often provides a “wallet” of funds (e.g., $30,000) usable for agency fees, legal costs, or donor expenses.
  • Progyny: Uses “Smart Cycles” to cover medical IVF costs, plus a separate reimbursement fund to help offset surrogacy agency and legal fees.
  • Maven Clinic & Kindbody: Offer care navigation and direct reimbursement for adoption and surrogacy expenses.

RSMC Tip: If your employer does not offer these, RSMC’s financial coordinators can review your current policy to help you understand your eligibility and guide you in advocating for coverage with your HR department.

3. Independent (“Indy”) vs. Agency Surrogacy

One of the most common debates for lowering costs and making surrogacy more affordable is whether to hire an agency or go “Independent.”

Feature Agency Journey (RSMC) Independent (“Indy”) Journey
Estimated Cost $150,000 – $220,000 $100,000 – $130,000
Agency Fee Included $0 (Primary Savings)
Screening Handled by the Agency You must coordinate & pay vendors directly
Escrow Management Included/Managed You must hire a 3rd party fund manager
Risk Level Low (Agency insures against unmatched surrogates) High (If surrogate drops out, you lose money spent)

The Verdict: An Independent journey is cheaper upfront because you save the agency fee. However, you miss out on critical case management services. In an agency model, the surrogate medical screening (medical, psychological, and background) is handled for you. If your independent surrogate fails screening or drops out, you may lose the money spent on her initial testing and legal drafting. Agencies like RSMC offer protection and professional management to mitigate these risks.

4. Specialized Fertility Loans

If you cannot pay the full amount in cash, specialized lenders offer terms designed for surrogacy (unlike standard personal loans).

  • CapexMD: RSMC’s preferred partner specializing in fertility financing. Approvals often take just 24 hours, and loans cover all treatment costs, including medication and genetic testing, with no prepayment penalties.
  • Future Family: Offers dedicated financing plans explicitly for Surrogacy and Gestational Carriers. Their loans replace high-interest credit cards with a single monthly payment and include bill-pay management for your various vendors.
  • PatientFi: Unique for its “3rd party reproduction” coverage. They offer a “revolving line of credit” (up to $40,000), allowing you to pay agency fees and surrogate costs as they arise rather than taking a lump sum.
  • Prosper Healthcare Lending: Offers unsecured loans sent directly to you, giving you flexibility on how to use the funds. Homeowners can also utilize a Prosper HELOC to secure lower interest rates (variable APRs starting ~3.5%) and longer repayment terms.

5. Apply for Surrogacy Grants

Several non-profits are dedicated to helping families afford gestational surrogacy. These grants are competitive but can provide substantial relief.

6. Tax Deductions for Surrogacy

Can you write off surrogacy on your taxes? The answer is nuanced.

  • What is Deductible: Medical costs incurred by you (the Intended Parents) are generally deductible if they exceed 7.5% of your AGI. This includes sperm retrieval, egg retrieval (for the Intended Mother), and IVF embryo creation.
  • What is NOT Deductible: According to IRS Publication 502, expenses paid for a surrogate’s medical care, compensation, and agency fees are typically not deductible because the surrogate is not your spouse or dependent.
  • Always consult a CPA specializing in fertility tax law.

7. Identified Surrogacy (Bringing Your Own Surrogate)

If you already have a friend or family member willing to carry for you, this is known as an Identified Surrogacy. This path offers significant savings by eliminating the need for agency recruitment and matching services.

However, reducing costs should never come at the expense of safety. Organizations like RESOLVE: The National Infertility Association emphasize that even known surrogates must undergo rigorous medical, psychological, and background screening to ensure a healthy pregnancy and minimize legal risks.

Frequently Asked Questions (FAQ)

Q: Can I use a friend as a surrogate to save money? 

A: Yes. This is known as Identified Surrogacy. It allows you to save significantly by eliminating the need for agency recruitment. However, your friend must still pass strict medical and psychological screening to ensure the pregnancy is safe.

Q: Which surrogacy grant is the easiest to get?

A: It varies. Most grants are merit or need-based and highly competitive. Baby Quest and Gift of Parenthood are the most popular, but local grants (like the Pay It Forward Fertility Foundation) often have fewer applicants.

Q: Is international surrogacy safe?

A: It depends. Canada is safe but slow (altruistic only). Countries like Colombia and Mexico are becoming popular, affordable options (~$70k), but they carry higher legal complexity regarding citizenship than the U.S.

Q: Does financing cover the surrogate’s compensation?

A: Yes. Providers like Future Family and PatientFi offer dedicated plans specifically designed to cover “3rd party reproduction” costs. Additionally, loans from lenders like Prosper send funds directly to you, giving you the flexibility to use the cash for any expense, including agency fees or surrogate compensation.

Final Thoughts

Surrogacy is an investment in your future family. By combining employer benefits, competitive financing, and smart planning, you can make this journey affordable.

Ready to explore your options?

Contact RSMC’s Financial Coordinators today to discuss our exclusive financing partners and see if you qualify for a free insurance review.

Schedule a Free Financial Consultation

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