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 New York, 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 New York? We’ll break down the typical expenses, explain the legal environment, and show how American Surrogacy supports New York families every step of the way.
How Much Does Surrogacy Cost in New York?
Surrogacy in New York typically costs between $100,000 and $200,000+, depending on your chosen program, surrogate compensation, legal requirements, and fertility care. Fortunately, New York now offers one of the most clearly defined and supportive legal frameworks in the country for gestational surrogacy.
With the passage of the Child-Parent Security Act (CPSA) in 2021, compensated gestational surrogacy is legal and enforceable in New York — giving intended parents, surrogates, and legal professionals the clarity and protection needed for a smooth process.
American Surrogacy’s Programs in New York
American Surrogacy offers three flexible program options for New York families, each with different levels of financial coverage and support:
- 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 intended parents who already have a surrogate match. This program includes support with legal and medical coordination but excludes compensation, IVF, and insurance expenses. Independent journeys typically still exceed $100,000.
To compare your options, visit our Full-Service Programs or read more about our Independent Program.
Surrogacy Cost Breakdown
Surrogacy costs in New York generally include:
- Agency fees: Covering surrogate screening, case management, legal and medical coordination, matching with a qualified surrogate, and 24/7 support
- Surrogate compensation: Base pay and reimbursements for travel, maternity items, lost wages, and other pregnancy-related expenses
- Legal services: Drafting CPSA-compliant contracts, filing required legal documents, and obtaining parentage orders
- Medical costs: IVF treatment, fertility medications, embryo transfers, prenatal care, and delivery
Each component plays a vital role in keeping your surrogacy journey organized, ethical, and legally protected.
Understanding Agency Fees and Surrogate Compensation
Agency fees cover the full coordination of your journey — from finding the right surrogate to managing trust accounts, legal documentation, and logistics. Our team handles the details so you can focus on preparing for parenthood.
In New York, surrogate compensation usually starts at $50,000, with full compensation packages — including reimbursements — averaging between $60,000 and $75,000+. Typical reimbursed items include:
- Childcare and household support
- Travel and hotel stays
- Maternity clothing
- Health insurance premiums and co-pays
All funds are disbursed through a licensed third-party escrow account, ensuring payments are secure, trackable, and legally compliant under New York’s surrogacy laws.
Protecting Your Budget with Built-In Safeguards
Even in a supportive state like New York, unforeseen events — like disrupted matches or canceled transfers — can increase total costs. That’s why American Surrogacy’s Limited Risk Program includes protections for the most common cost-related challenges.
This program gives families a more predictable financial path through surrogacy and reduces the risk of costly surprises.
How Much Does a Surrogate Cost in New York?
Base surrogate compensation in New York typically begins at $50,000, but full compensation packages often total $60,000 to $75,000 or more once you include reimbursements for time, expenses, and travel.
For families using the Independent Program, compensation costs must be managed separately and should be factored into your total budget. Even in these cases, most journeys still exceed $100,000 overall.
How Much Does Surrogacy Cost with Insurance in New York?
How much surrogacy costs with insurance in New York depends on your plan and your surrogate’s coverage. While most policies won’t cover agency fees or compensation, they may include:
- Fertility diagnostics and IVF
- Fertility medications
- Prenatal and delivery care (if covered under the surrogate’s plan)
New York requires many health insurance plans to include some level of fertility treatment, which can help reduce upfront IVF costs. Our team will assess your policy — and your surrogate’s — to ensure all necessary protections are in place.
How Much Does IVF and Surrogacy Cost?
If you’re using IVF, you’ll need to budget for medical services beyond the surrogacy process. These often include:
- IVF cycles and embryo transfer
- Embryo creation
- Fertility medications
- Donor eggs or sperm (if applicable)
- Lab testing and fertility monitoring
New York has a strong network of fertility clinics, particularly in the New York City metro area, Long Island, and Westchester County. We’re happy to help you find a clinic that aligns with your goals and financial needs.
Affording Surrogacy
While surrogacy is a significant investment, many families use a combination of resources to make it more accessible. In addition to our affordable program options, New York families can also explore:
Grants and financial aid:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Fertility benefits offered by employers:
- Carrot Fertility
- Progyny
Additional financial strategies: Including HSAs, 401(k) loans, and home equity lines of credit may also be beneficial.
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 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?
New York’s legal environment makes surrogacy possible — but choosing the right agency is what makes the experience manageable, ethical, and empowering. Here’s why families trust American Surrogacy:
- Fast surrogate matching: Most families are matched with a qualified surrogate within 1 to 4 months
- In-depth knowledge of New York law: We coordinate with legal professionals who specialize in CPSA-compliant contracts and parentage orders
- Ongoing emotional and logistical support: You’ll be paired with a dedicated case specialist to guide you through each step
- Program flexibility: Whether you want built-in financial protection or already have a match in place, we have an option that fits
- Surrogate-centered care: We ensure surrogates are respected and supported, creating a smooth and respectful journey for everyone involved
Our team is committed to providing you with clarity, compassion, and comprehensive support — from your first consultation to holding your baby in your arms.
Next Steps in Your Surrogacy Journey
New York offers one of the strongest surrogacy legal frameworks in the country, with protections for all types of families. Whether you’re an individual, a couple, or part of the LGBTQ+ community, you can pursue surrogacy with confidence and legal clarity.
If you're ready to get started, contact American Surrogacy today to speak with a specialist and begin planning your journey to parenthood in New York.