Benefits of the ACA for Surrogates


Some surrogate applicants will be asked to apply for the Affordable Care Act (ACA) during their application period. More commonly referred to as “Obama-Care”, the Affordable Care Act is a great alternative for surrogates who either do not have personal insurance or who have personal insurance that does not cover surrogate pregnancies.

The Affordable Care Act is a great alternative to a specialty surrogacy-specific plan, offered through New Life Agency, as it is a major medical policy. As such, it behaves the same way a regular medical policy would and does not have exclusions of coverage. The ACA comes with a wide range of coverage and more in-network providers than surrogacy specific policies and is generally more widely understood by the billing department of most medical professionals.

The ACA is also vastly more affordable than a private surrogacy specific coverage plan. While you will not incur any costs as the result of any qualifying health care expense regardless of what plan you ultimately have, qualifying for and using the ACA for your journey can save your intended parents a substantial amount of money.

One potential complication to attaining the ACA for your surrogate journey is that enrollment is limited to a small window of time each year, generally occurring between November and January for the next year period. Certain life occurrences like marriage or loss of other coverage can happen that would allow for enrollment outside of the open enrollment period but typically, enrollment must happen during this window.

Your Admissions Specialist will be able to help you navigate the enrollment period for ACA and will be able to answer any additional questions you may have moving forward.

Kim Bergman, PhD, a licensed psychologist of 26 years, has specialized in the area of gay and lesbian parenting, parenting by choice and third party assisted reproduction for over two decades. Dr. Bergman has created a comprehensive psychological screening, support and monitoring process for intended parents, surrogates and donors. She is the co-owner of Growing Generations and is a member of the American Society for Reproductive Medicine, the American Psychological Association, the Los Angeles County Psychological Association, the Lesbian and Gay Psychotherapy Association, and the Gay and Lesbian Medical Association. She is on the national Emeritus board of the Family Equality Council. Dr. Bergman writes, teaches and speaks extensively on parenting by choice. Along with co-authors, she published “Gay Men Who Become Fathers via Surrogacy: The Transition to Parenthood” (Journal of GLBT Family Studies, April 2010). Dr. Bergman’s is the author of the book, Your Future Family: The Essential Guide to Assisted Reproduction (Conari Press 2019) as well as the children's book You Began as a Wish (Independent Press 2019). Dr. Bergman created her own family using third party assisted reproduction and she lives with her wife of 35 years. She has two adult daughters.