Surrogacy is an increasingly common path to parenthood for individuals and couples who need extra help to build their family. If you're considering this journey in Hawaii, one of the first questions you're likely asking is: What does surrogacy cost, and how does the process work in this state?
This guide explains the typical costs of surrogacy in Hawaii, how state law supports the process, and how American Surrogacy can guide you every step of the way.
How Much Does Surrogacy Cost in Hawaii?
On average, the cost of a complete surrogacy journey in Hawaii ranges from $100,000 to $200,000+. The final amount depends on your chosen program, surrogate compensation, fertility clinic expenses, legal services, and insurance coverage. Hawaii does not currently have surrogacy-specific statutes, but the courts have generally supported intended parents who follow a carefully managed legal process.
With expert guidance and the right support system, surrogacy in Hawaii is entirely possible — and can be a secure and meaningful way to grow your family.
American Surrogacy’s Programs in Hawaii
At American Surrogacy, we offer three customizable programs to fit the unique needs of intended parents in Hawaii:
- 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): Ideal for families who have already identified a surrogate. This program includes essential coordination services but does not cover compensation, medical treatment, or legal work. Most independent journeys still total over $100,000 once all costs are factored in.
To compare your options, visit our Full-Service Programs or explore the Independent Program.
Surrogacy Cost Breakdown
Typical surrogacy expenses in Hawaii include:
- Agency fees: Professional case management, matching with a qualified surrogate, legal coordination, and medical logistics
- Surrogate compensation: Base pay plus reimbursements for pregnancy-related expenses
- Legal services: Drafting contracts and working with local attorneys to secure parentage
- Medical expenses: IVF, embryo transfer, fertility medications, and delivery care
Each of these areas plays a critical role in keeping your journey legally safe and emotionally supported.
Understanding Agency Fees and Surrogate Compensation
Agency fees reflect the hands-on services provided throughout the surrogacy process — from screening and matching to case management and 24/7 support.
How much does a surrogate cost in Hawaii? Surrogates typically begin with base compensation around $50,000. Additional reimbursements include:
- Maternity clothing and travel costs
- Lost wages due to pregnancy-related work leave
- Childcare and lodging (if needed)
- Health insurance premiums and medical co-pays
Surrogate compensation packages in Hawaii usually total between $60,000 and $75,000 or more, depending on experience and personal circumstances. Payments are securely managed through a trust account with clearly defined disbursement schedules.
Avoiding Hidden and Unexpected Surrogacy Costs
One of the most common concerns among intended parents is the risk of unexpected costs. At American Surrogacy, we help eliminate surprises with our Limited Risk Program, which provides cost protection for common complications like failed transfers or re-matching needs.
This program is designed for families who want financial clarity and long-term peace of mind.
How Much Does a Surrogate Cost in Hawaii?
In Hawaii, the base cost for surrogate compensation starts around $50,000. With reimbursements for travel, insurance, and other pregnancy-related expenses, total compensation typically reaches $60,000 to $75,000 or more.
Families using the Independent Program should budget for the same compensation costs, which are separate from the base program fee. While the independent option begins at $17,000, most journeys end up costing over $100,000 in total.
How Much Does Surrogacy Cost with Insurance in Hawaii?
How much does surrogacy cost with insurance in Hawaii depends on whether your plan — or your surrogate’s — includes any fertility or maternity coverage. Most insurance policies do not cover agency fees or surrogate compensation, but some may help with:
- IVF procedures and related testing
- Fertility medications
- Prenatal care and delivery costs
Our team will conduct an insurance review early in your journey to identify what is covered and whether supplemental insurance is recommended. Major providers in Hawaii include HMSA Blue Cross Blue Shield, Kaiser Permanente, and UHA Health Insurance.
How Much Does IVF and Surrogacy Cost?
When IVF is part of your journey, it significantly increases your overall budget. So how much does IVF and surrogacy cost in Hawaii?
Here’s a general breakdown of IVF-related expenses:
- IVF treatment
- Embryo creation
- Fertility medications
- Donor sperm or eggs (if needed)
- Monitoring and lab services
While Hawaii has fewer fertility clinics than larger states, options are available on Oahu and Maui. We can help you connect with local or mainland clinics depending on your treatment plan.
Affording Surrogacy
Affording surrogacy in Hawaii is possible with a combination of planning and financial resources. In addition to affordable surrogacy financing, families often explore:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Some Hawaii-based employers offer family-building benefits through:
- Carrot Fertility
- Progyny
You may also consider using home equity loans, retirement savings, or assistance from family and friends. Our team will walk you through all available options.
Affording Surrogacy: Fertility Financing Options
Our team is happy to walk you through these options and help create a custom plan based on your unique goals. To help 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?
Families in Hawaii trust American Surrogacy because of our commitment to ethical, transparent, and compassionate care. Here’s what makes us different:
- Short wait times: Most families are matched in 1 to 4 months
- Nationwide network: We help you match with surrogates even beyond the islands
- Legal support: We coordinate with attorneys who understand surrogacy in Hawaii
- Personalized service: You’ll work with a dedicated specialist from start to finish
Our job is to make this complex journey feel as simple and secure as possible.
Next Steps in Your Surrogacy Journey
Hawaii does not have formal surrogacy statutes, but the legal process is still accessible. With experienced attorneys and a licensed agency, most intended parents are able to secure parental rights through pre-birth or post-birth court orders.
Whether you’re based in Hawaii or hoping to work with a surrogate here, we can help. Speak with a surrogacy specialist today to take your first step toward building your family.