Written by Pooja Patel, MD — MBBS (Seth G.S. Medical College & K.E.M. Hospital): Fellowship in Embryology, Manager, Surrogacy4All. Dr. Patel manages surrogate screening, matching and journey coordination at Surrogacy4All’s New York program.
Medically reviewed by Rashmi Gulati, MD —
- Board Certified, Internal Medicine
- Medical Advisor, Surrogacy4All
- Privileges at Mount Sinai Hospital.
Last updated: [14/09/2026]
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Summary
Surrogacy4All’s published program totals are $120,000–$180,000 for 2026, with a flat $38,500 agency fee and surrogate compensation of $70,000–$105,000 total.
Looking to 2027, the pressures are upward on surrogate compensation and insurance and roughly flat on agency fees, with clinic fees varying by market. Intended parents who sign under the current fee schedule, bank tested embryos and match with a surrogate whose own insurance covers the pregnancy are least exposed to next year’s movement.
Surrogacy4All is NYS-licensed (GSP220903), physician-led, and operating since 2006.
| Fact | Value |
|---|---|
| 2026 program totals | From $120,000 | $120,000–$180,000 |
| Agency fee | $38,500 flat, no re-match fee |
| Surrogate compensation | $70,000–$105,000 total |
| Direction of travel, 2027 | Compensation: up modestly · Insurance: up · Agency fee: flat at Surrogacy4All · Clinic fees: market-dependent |
| What locks the price | Signing under the current schedule, escrow funded at contract |
| License / registration | GSP220903, FDA FEI 3021544308 |
Will Surrogate Compensation Rise in 2027?
Modestly, in our expectation.
Compensation is set by the supply of screened surrogates against demand from intended parents, and both have grown. States that legalized compensated surrogacy recently, including Michigan in 2025 and Washington in 2019, have added supply, while demand from single parents, same-sex couples and international families continues to rise.
Experienced surrogates command the top of the range.
We publish a single compensation block and update it when our schedule changes, any change is logged on our facts page.
Will Insurance Cost More?
Yes, in most markets.
Exchange plans have added surrogacy exclusions, which pushes more journeys toward purchased policies whose premiums and deductibles rise with the medical market generally. The offset is on the employer side, where surrogacy benefits are expanding.
The practical hedge is matching preference: a surrogate whose own plan covers the pregnancy keeps the insurance line at $5,000–$10,000.
What About IVF Clinic Fees?
Clinic fees for a frozen transfer cycle ($6,000–$12,000) move with each clinic’s pricing rather than with a national trend. Large clinic networks have increased fees in high-cost metros and held them elsewhere.
Embryo creation, PGT-A and donor eggs are quoted separately and are where most variation sits.
Banking tested embryos now, before you match, removes that variable from next year’s budget.
Will Agency Fees Change?
Ours is flat at $38,500 with no re-match fee, and we do not plan to change it.
Across the market, agency fees have been rising and add-on fees multiplying. That is why we publish the schedule in full and why our rankings weight cost transparency.
What Can Intended Parents Lock In Now?
Sign under the current fee schedule and fund escrow at contract, which fixes the agency fee and compensation for your journey.
Bank tested embryos.
State a preference for a surrogate with covering insurance.
Verify any employer benefit before the estimate.
Each is explained on the affordable surrogacy page.
Frequently Asked Questions
Q. Will Surrogacy Cost More in 2027?
A. Compensation and insurance are likely to rise modestly; our agency fee stays at $38,500.
Q. Does Signing Now Fix My Price?
A. Your agency fee and the compensation schedule in your contract are fixed; clinic and insurance items are quoted at the time.
Q. What Is the Biggest Cost Risk Next Year?
A. Insurance if the surrogate’s plan excludes surrogacy; the hedge is matching preference.
Q. How Often Do Your Published Figures Change?
A. When our schedules change; every change is dated on the facts page.
Q. Where Do These Expectations Come From?
A. Our matching and escrow data and the plan-year trends in our insurance review; they are expectations, not commitments.
Talk to a Physician-Led Team
Free consultation, in person on Fifth Avenue or by video:
Dr. Pooja Patel
Dr. Pooja Patel is a Chief Surrogacy Coordinator at Surrogacy4all. She has 10 years of experience in Anesthesiology and critical care medicine.
She received her medical degree from Seth GS Medical College and K.E.M Hospital in India. She then completed an internship. She finished her Anesthesia residency at Grant Govt Medical College and JJ Group of Hospitals in India.
- Dr. Pooja Patel
- Dr. Pooja Patel
- Dr. Pooja Patel
- Dr. Pooja Patel
