Surrogacy can be a life-changing option for individuals and couples who are ready to grow their family but can’t do so on their own. If you're thinking about starting this journey in Florida, one of the first things you'll want to understand is the cost — and how state law shapes the process.
In this article, we’ll answer the question: How much does surrogacy cost in Florida? We’ll break down the typical expenses, explain the legal environment, and show how American Surrogacy supports Florida families every step of the way.
How Much Does Surrogacy Cost in Florida?
The total cost typically ranges from $100,000 to $200,000+, depending on various factors such as the surrogacy program selected, surrogate compensation, medical procedures, legal services, and insurance coverage. Florida is recognized as a surrogacy-friendly state, offering a clear legal framework that supports both gestational carriers and intended parents.
With the right guidance and support, your surrogacy journey in Florida can be both legally secure and emotionally rewarding.
American Surrogacy’s Programs in Florida
We offer three distinct surrogacy programs tailored to meet diverse needs and budgets:
- Limited Risk Program ($169,900 - $179,000+): A full-service option that includes financial protections for events like failed embryo transfers, rematches, and early complications. Most intended parents are matched with a surrogate in 1 to 4 months.
- Foundation Program ($115,400 - $170,000+): A pay-as-you-go model that includes full coordination but fewer financial safeguards. This is ideal for families who want to manage payments over time.
- Independent Program (starting at $17,000): Designed for families who have already identified a surrogate, this program offers professional coordination, case management, and legal support. Total costs often exceed $100,000 when factoring in compensation, medical, and legal expenses.
For more details, explore our Full-Service Programs or our Independent Program.
Surrogacy Cost Breakdown
A typical surrogacy journey in Florida includes the following cost components:
- Agency fees: Comprehensive case management, legal and medical coordination, matching services, and continuous support
- Surrogate compensation: Base pay and reimbursements for pregnancy-related expenses
- Legal services: Drafting contracts and securing parental rights under Florida law
- Medical expenses: IVF procedures, embryo transfers, prenatal care, and delivery
Each of these elements ensures a well-coordinated and ethically managed surrogacy experience.
Understanding Agency Fees and Surrogate Compensation
Agency fees cover the professional services that facilitate a smooth surrogacy process, including surrogate screening, match support, trust account management, and emotional guidance.
In Florida, surrogate compensation typically starts at $50,000. Additional reimbursements may include:
- Lost wages due to time off work
- Childcare and housekeeping support
- Maternity clothing
- Travel and lodging
- Health insurance premiums and medical co-pays
Total surrogate compensation packages in Florida often range between $60,000 and $75,000 or more. These are managed through a secure trust account with clear disbursement schedules.
Avoiding Hidden and Unexpected Surrogacy Costs
Unexpected costs can be a significant concern for intended parents. Medical complications, disrupted matches, or legal complications can introduce stress and financial strain.
Our Limited Risk Program is structured to reduce financial uncertainty. This program includes protection against failed embryo transfers, re-matching, and other common disruptions, giving you peace of mind and budget predictability.
How Much Does a Surrogate Cost in Florida?
Base compensation for a surrogate in Florida usually starts at $50,000. With added reimbursements for pregnancy-related costs, most total surrogate compensation packages fall between $60,000 and $75,000 or more.
If you are pursuing the Independent Program, these compensation costs are not included in the base program fee. Total independent journeys still usually exceed $100,000 when all legal, medical, and support expenses are factored in.
How Much Does Surrogacy Cost with Insurance in Florida?
How much does surrogacy cost with insurance in Florida depends on the specifics of your policy. Most insurance plans do not cover surrogate compensation or agency fees, but they may provide partial coverage for:
- IVF procedures and lab work
- Fertility medications
- Prenatal care and delivery (if the surrogate is insured)
Our team will review both your insurance and your surrogate’s plan during the intake process to identify opportunities for coverage and gaps that may need to be addressed through supplemental insurance.
How Much Does IVF and Surrogacy Cost?
If your surrogacy journey includes IVF, your total budget will be higher. So how much does IVF and surrogacy cost in Florida?
Here’s a general breakdown of IVF-related expenses:
- IVF cycle
- Fertility medications
- Donor sperm or eggs
- Embryo Creation
- Monitoring, testing, and lab fees
Florida offers a wide selection of fertility clinics, particularly in areas like Miami, Orlando, Tampa, and Jacksonville. We can help you connect with a clinic that fits your medical and financial goals.
Affording Surrogacy
While surrogacy is a significant financial commitment, many Florida families manage the cost with a combination of resources. American Surrogacy partners with several surrogacy financing options and can help guide you through available grants and support programs, such as:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
You may also want to explore whether your employer offers fertility benefits. More companies in Florida are working with:
- Carrot Fertility
- Progyny
Families also consider using health savings accounts (HSAs), retirement loans, or home equity lines of credit (HELOCs) to help with the cost of their surrogacy journey.
Affording Surrogacy: Fertility Financing Options
We’ll help you explore all available options to build a funding strategy that fits your family’s path. To ensure you work with a trusted service provider, we have a surrogacy financing partner who provides excellent services that help make surrogacy more affordable:
Sunfish: Sunfish offers low-interest fertility loans for IVF, surrogacy, and egg donors for American Surrogacy. They make parenthood attainable for all types of families through financial solutions, support, and guidance.
Learn more about financing your surrogacy through Sunfish here.
Why Choose American Surrogacy?
Here’s why intended parents in Florida choose American Surrogacy:
- Short wait times: Most families are matched with a surrogate in 1 to 4 months
- Transparent pricing: No hidden fees, no surprise charges
- Legal coordination: We work with attorneys experienced in Florida surrogacy law
- Full support: Emotional, legal, and medical guidance from start to finish
We are here to make the process easier, safer, and more supported — no matter where you are starting from.
Next Steps in Your Surrogacy Journey
Florida is one of the most surrogacy-friendly states in the country. Whether you’re single, married, or in a same-sex relationship, you can complete your surrogacy journey in Florida with full legal support.
If you're ready to move forward, contact us today to speak with a specialist. We’re here to guide your next steps with care and confidence.