There are no ACA medical plans specifically designed for surrogate women. She must have a health insurance plan that does not preclude using the policy's maternity benefits while she acts as a surrogate mother.   Only a careful evaluation of the surrogate's policy by a qualified insurance professional with knowledge of the fertility industry can determine whether the surrogate's policy is suitable for the surrogacy cycle. There are many variables to consider and be aware of during the surrogacy process. It is important to work with someone who understands the challenges, changes, special skill requirements and timing of entry requirements. Self-funded versus fully-funded policies, open enrollment by employers, or unemployment are a few variables that can affect your cycle.   Your surrogate has two solid options for maternity care. The first is traditional health insurance, usually purchased under the Affordable Care Act (ACA) and based on the ZIP code where the surrogate lives.   The second option contracts maternity liability insurance. This plan is underwritten by Lloyd's of London and is not a health insurance plan. Instead, it only covers the intended parents' contractual obligation to pay for the surrogate's medical expenses. It works a lot like a traditional medical plan.   A traditional ACA plan can cost anywhere from $11,000 to $13,000, with out-of-network fees driving up prices even further.   If you purchase alternative maternity liability insurance and use it as your primary insurance, the cost will be slightly higher. Only singleton or twin pregnancy surrogates are eligible for this type of program; it does not apply to triplet or higher order multiple pregnancies.   The average cost of these plans is $25,500 to $28,350 for women with singleton pregnancies and $42,500 to $43,350 for women with twin pregnancies.