The Trump IVF Executive Order – How It Impacts Surrogacy Costs in 2025

On February 18, 2025, President Donald Trump signed a landmark Executive Order requiring insurance companies to cover in vitro fertilization (IVF). This move is one of the most significant policy changes in reproductive medicine in decades.

For Intended Parents pursuing surrogacy, this means a major shift in cost structure. IVF has historically been one of the largest hidden expenses in surrogacy, often adding $25K–$40K per cycle.

Note:  The Executive order has not moved forward and not become law yet as of September 15, 2025.

This blog breaks down what the order may mean, who qualifies, and how it reshapes the cost of surrogacy in 2025 and beyond.

What the Executive Order May  Cover

• IVF Procedures: Egg retrieval, fertilization, embryo culture, embryo transfer
• Medications: Stimulation drugs and related prescriptions
• Embryo Testing (PGT/PGD): Covered in many cases
• Multiple Cycles: Some plans may limit to 2–3 cycles per lifetime
• Surrogacy-Related IVF: Applies if embryos are created for Intended Parents, even if carried by a surrogate

How It Changes Surrogacy Costs

Before the Executive Order

• IVF (1–2 cycles): $25K–$60K
• Often excluded from agency estimates
• Families bore the entire cost out-of-pocket

After the Executive Order – if signed

• IVF covered by insurance → savings of $25K–$40K+
• Total surrogacy cost drops from $150K–$170K to $110K–$130K for many families
• Makes U.S. surrogacy more competitive compared to international options

Case Study: Savings from IVF Coverage

Family A (Before 2025)

• Agency Fee: $45K
• Surrogate Pay: $50K
• IVF: $35K (out-of-pocket)
• Insurance: $25K
• Final Cost: $155K

Family B (After Executive Order)

• Agency Fee: $45K
• Surrogate Pay: $50K
• IVF: $0 (covered by insurance)
• Insurance: $25K
• Final Cost: $120K

Savings: $35,000

What Families Need to Know

1. Coverage May Depend on Employer Plan
   • Large employers are required to comply quickly
   • Smaller plans may take time to update
2. State Laws Still Apply
   • States with IVF mandates will now align with federal policy
   • Surrogacy-specific coverage may vary
3. Surrogates Themselves Not Covered
   • Coverage applies to Intended Parents’ IVF, not surrogate’s maternity insurance

Why This Benefits Surrogacy4All Families

As a physician-led agency, Surrogacy4All is positioned to help families maximize insurance benefits:

• Coordinating IVF billing with insurance
• Ensuring medications and PGT testing are covered
• Reducing out-of-pocket risk to families
• Providing guidance on insurance appeals and exceptions

Expert Quote

“This executive order transforms surrogacy affordability in the U.S. For the first time, IVF will no longer be the financial barrier it once was.”
– Dr. Rashmi Gulati, Medical Director, Patients Medical

Testimonials

“We budgeted $150K for surrogacy. Thanks to the Executive Order, our IVF cycle may be covered, and we could save $30K.” – Jason & Lily, NJ

“Insurance may finally cover our IVF meds and save us thousands.” – Emily & David, TX

“This change may make U.S. surrogacy affordable for us compared to going abroad.” – Carlos & Sofia, FL

FAQs

Q1: Does the Executive Order cover surrogacy itself?

Ans: No, it covers IVF but does not surrogate compensation or agency fees.

Q2: Will all insurance plans comply immediately?

Ans: Large employer plans will update quickly; smaller or self-funded plans may lag.

Q3: Does it apply to donor eggs or sperm?

Ans: Yes, if used in an IVF cycle for Intended Parents.

Suggestions Linking

• How Much Does IVF Add to Your Surrogacy Budget?
• Surrogacy Costs by State – Where Is It Most Affordable?
• Why “Cheap” Surrogacy Isn’t Always the Best Choice
• Insurance in Surrogacy – Hidden Costs Intended Parents Overlook

Next Steps

Wait for the final Executive order to be signed by President Trump.

If  IVF is covered by insurance, U.S. surrogacy is more affordable than ever. Take advantage of this potential change by working with a physician-led program that helps you maximize benefits.

Contact Surrogacy4All.com today for an insurance-inclusive surrogacy cost estimate: 1-212-661-7177 |  info@surrogacy4all.com