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Becoming a parent on your own terms is one of the most powerful choices you can make. But if you’re considering surrogacy without a partner, one concern likely stands out: Can I afford this alone?
While single parent surrogacy can be expensive, many individuals have built their families successfully. With the right agency, creative financing strategies, and support systems, your dream of parenthood can move from aspiration to reality. This guide will help you learn the basics.
Fill out this form to get personalized information from our surrogacy specialists.
Thinking About Single Parent Surrogacy?
As a single person surrogacy may seem daunting, but you can still find surrogacy financing, get grants, leverage health benefits, and find the support you need to pursue surrogacy, and you are not the first to do so.
American Surrogacy has helped other single people become parents through surrogacy, and with the right planning, you could be next.
Strategies for Affording Surrogacy on a Single Income
The cost of surrogacy is significant, but it’s not insurmountable. Here are some of the most effective ways that single intended parents navigate the financial aspect of the journey.
1. Smart Budgeting and Planning
Budgeting on a single income doesn’t have to mean making sacrifices, but you can make strategic choices to plan ahead:
- Prioritize savings early by opening a surrogacy-specific account.
- Use employer Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs) if available.
- Reassess non-essential spending to redirect funds toward your family-building goal.
2. Health Insurance and Benefits
You don’t need a partner to leverage workplace benefits or healthcare benefits:
- Investigate if your current policy covers any fertility or surrogacy-related services.
- Some employers offer family-building benefits, including surrogacy stipends.
- Ask about add-on fertility coverage plans during open enrollment.
3. Can I Get Personal Loans and Surrogacy Financing If I’m Single?
Yes, you can get a loan for surrogacy if you’re single — and many do. Financing opens up immediate access to care without having to save for years.
- Explore personal or fertility-specific loans.
- Consider lenders who understand surrogacy-related timelines and costs.
Our Fertility Financing Partner: Sunfish
American Surrogacy has partnered with Sunfish, a financing platform that specializes in helping families — including single parents — pay for fertility treatments and surrogacy services. Sunfish offers:
- Loans with flexible terms
- Low-interest options tailored to your budget
- Support navigating the entire financing process
If the upfront cost of surrogacy feels overwhelming, Sunfish may be the bridge between “maybe someday” and starting your journey today.
Grants for Single Parent Surrogacy
Surrogacy grants can serve as a valuable supplement to loans and savings. While competitive, there are grants specifically open to single intended parents.
Where to Start
- Look for grants that don’t prioritize marital status.
- Focus on organizations that champion inclusivity in family-building.
- Prepare a compelling application that outlines your parenting goals, financial need, and personal story.
Remember, grants are often supplemental — they rarely cover full costs but can reduce the total burden.
Why American Surrogacy is a Trusted Agency for Single Parent Surrogacy
At American Surrogacy, we’ve helped many single intended parents start their journey with confidence. We don’t just understand your unique challenges, we have single parents in mind as we created our programs, and you will have our full support. Here’s what it means to have American Surrogacy as your partner:
- Expert guidance: We’ll walk you through every decision, every milestone, and every question.
- Flexible programs: Whether you found a surrogate, have limited or no eggs, or you don’t know where to start, we’ll help you choose the program that fits.
- Inclusive support: No matter your relationship status, you deserve a family. And we’re here to help make that happen.
Imagine this: Mornings with your newborn. Bedtime stories and first holidays. Parenthood doesn’t have to wait — and it doesn’t have to happen with a partner. It just has to start with a plan.
Fill out this form to learn how we can help you start your surrogacy journey.
FAQs About Single Parent Surrogacy
Can a single person do surrogacy?
Yes. Single men and women across the U.S. choose surrogacy to start their families. Legal and logistical considerations vary by state, but many intended parents successfully pursue this path solo.
Is it harder to afford surrogacy without a partner?
Second incomes can help offset costs of surrogacy, but there are many single-parent-friendly options — including loans, grants, and budgeting strategies — that make surrogacy accessible.
What’s the best way for solo parents to pay for surrogacy?
Most single parents use a combination of strategies: saving, financing (like Sunfish), employer benefits, and sometimes grants. Talking to a surrogacy specialist can help you build a plan that fits your unique situation.
Learn more about single parent surrogacy
Your Next Step: Build the Future You’ve Been Dreaming Of
You don’t have to wait until you find a partner to become a parent. With the right guidance, the right plan, and the right support, your dream of having a child is within reach.
We’re here to make it happen.
Schedule your free consultation or explore our single parent surrogacy program today.