Surrogacy is a practical and meaningful way for many families to grow — but it’s also a process that involves legal, emotional, and financial planning. If you’re beginning to explore this option in New Hampshire, one of the first questions on your mind might be what the journey will cost.
This guide will help answer that question. Below, we’ll explore how much surrogacy costs in New Hampshire, what those expenses cover, how the state’s surrogacy laws support intended parents, and how American Surrogacy can walk with you through every step of the process.
How Much Does Surrogacy Cost in New Hampshire?
Surrogacy in New Hampshire typically costs between $100,000 and $200,000+, depending on the services you require. This includes agency coordination, surrogate compensation, medical procedures, legal support, and insurance-related costs.
New Hampshire is considered a very surrogacy-friendly state. Its laws clearly allow for gestational surrogacy and provide enforceable contracts, parentage orders, and protections for all parties involved — including single parents and LGBTQ+ families. This strong legal foundation makes the process more predictable and secure for intended parents.
American Surrogacy’s Programs in New Hampshire
We offer three surrogacy program options, each designed to fit different financial situations and comfort levels with risk:
- 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): For families who already have a surrogate. This includes coordination and oversight but excludes compensation, IVF, and legal services. Most independent journeys still cost over $100,000.
To explore which plan is best for you, visit our Full-Service Programs or check out our Independent Program.
Surrogacy Cost Breakdown
Your surrogacy journey in New Hampshire will likely include expenses across the following categories:
- Agency fees: Covering case management, legal and medical coordination, surrogate screening and matching with a qualified surrogate, scheduling, and trust account oversight
- Surrogate compensation: Base pay and additional reimbursements for pregnancy-related expenses such as travel, childcare, lost wages, and maternity items
- Legal fees: Drafting and finalizing surrogacy contracts, securing parentage orders, and ensuring compliance with New Hampshire surrogacy law
- Medical costs: IVF, embryo transfer, fertility medications, and prenatal and delivery care
These services are essential to a smooth and protected surrogacy experience.
Understanding Agency Fees and Surrogate Compensation
Agency fees cover the full scope of logistical support — from finding and screening a surrogate to managing the timeline, financials, and communication throughout your journey. American Surrogacy offers hands-on guidance with a dedicated case specialist from day one.
Surrogate compensation in New Hampshire generally starts around $50,000, with total packages averaging $60,000 to $75,000 or more once reimbursements are added. These additional expenses may include:
- Maternity clothing
- Lost wages
- Childcare and travel costs
- Medical co-pays and health insurance premiums
All payments are made through a licensed escrow service, ensuring secure, on-time, and transparent transactions for both parties.
Avoiding Unexpected Surrogacy Expenses
Even in a legally supportive state like New Hampshire, surrogacy involves variables that can lead to added costs. That’s why American Surrogacy offers a Limited Risk Program, which includes financial protection for common setbacks like canceled embryo transfers, surrogate re-matching, or early complications.
This option gives families more confidence in their overall budget and peace of mind as the process moves forward.
How Much Does a Surrogate Cost in New Hampshire?
Surrogates in New Hampshire typically earn base compensation starting at $50,000. With reimbursements included, most total compensation packages range from $60,000 to $75,000+.
If you’re using the Independent Program, you’ll need to coordinate surrogate compensation separately, along with legal and medical costs. Even with a known surrogate, most independent journeys still surpass $100,000 once everything is accounted for.
How Much Does Surrogacy Cost with Insurance in New Hampshire?
Insurance plays an important role in the total cost of surrogacy. While agency services and surrogate compensation aren’t covered, many insurance plans will help with:
- IVF treatment and diagnostics
- Fertility medications
- Maternity care and hospital delivery
New Hampshire requires many health plans to include fertility treatment, which may lower your out-of-pocket IVF costs. Our team will review your and your surrogate’s insurance coverage and help arrange supplemental policies if necessary.
How Much Does IVF and Surrogacy Cost?
When IVF is part of your journey, your total budget will also include a range of fertility-related expenses. These may include:
- IVF procedures, embryo creation, and transfers
- Fertility medications
- Donor gametes (if used)
- Monitoring, testing, and lab work
Fertility clinics in New Hampshire and neighboring states offer a variety of care options, and we’re happy to help you identify a clinic that suits your timeline and financial plan.
Affording Surrogacy
Surrogacy is a significant financial commitment — but with planning and the right resources, it’s more accessible than many families think. In addition to our affordable surrogacy programs, you may benefit from:
Grants and scholarships:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer benefits provided through:
- Carrot Fertility
- Progyny
Personal financial tools, including health savings accounts (HSAs), home equity loans, or borrowing from a retirement plan, are also reasonable options.
Affording Surrogacy: Fertility Financing Options
We’ll help you explore all available options to build a financial strategy that fits your family’s goals. 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?
Working with a trusted agency ensures your surrogacy experience is smooth, supported, and legally sound. Families in New Hampshire and across the country choose American Surrogacy for several key reasons:
- Quick matching process: Most intended parents are matched with a surrogate in just 1 to 4 months.
- Legal experience in New Hampshire: We work with local attorneys to ensure your contracts and parentage orders follow the state’s clearly defined laws.
- Dedicated support: You’ll have a single point of contact throughout your journey — someone who knows your case and advocates for your goals.
- Flexible program options: Whether you want full financial protection or are starting with a known surrogate, we have a program to meet your needs.
- Transparent pricing: No hidden fees or vague estimates — just clear, upfront costs and protection through our Limited Risk Program if desired.
We’re here to make your journey feel organized, personalized, and possible — every step of the way.
Next Steps in Your Surrogacy Journey
New Hampshire is a welcoming state for surrogacy, offering enforceable gestational surrogacy contracts and legal parentage protections. With the right support team, families of all types — including single individuals and LGBTQ+ couples — can complete their surrogacy journey safely and successfully.
If you're ready to begin, contact American Surrogacy today to speak with a specialist and learn how we can help you take the next step toward growing your family.