Navigating surrogacy insurance is more daunting than ever in 2026.

Thinking you’ve found the perfect surrogate, only to worry about the massive, unpredictable expenses hiding in her insurance?

You’re not alone. As surrogacy insurance evolves in 2026, many intended parents are blindsided by exclusions, rising premiums, and devastating liens—making “insurance options for surrogacy 2026” more confusing (and essential) than ever.

In this episode, Dr. Alyssa Small Layne and Sarah Paige break down every insurance option, debunk myths about surrogacy-friendly plans, and show you how to spot red flags before you match.

Feeling overwhelmed? This discussion will help you take control, protect your budget, and safeguard your journey with confidence.

Don’t let insurance confusion steal your peace—press play to get clarity now!

What You’ll Learn:

00:00 — Why surrogacy insurance is more complicated (and expensive) in 2026

01:32 — What qualifies as “surrogacy friendly” insurance—and why it matters

05:39 — How premiums, deductibles, and out-of-pocket maxes are changing

07:16 — Liens explained: hidden risks in surrogacy insurance

13:27 — Lloyd’s of London and other alternative insurance policies you should know

15:13 — Liens vs. compensation: understanding “right to reimbursement”

27:19 — How to compare your insurance options for surrogacy in 2026

39:11 — Most common states for lien policies and insurance pitfalls

46:17 — The new surrogacy climate in California (and what it means for your journey)

Resources Mentioned:

• BloomBridge Surrogacy App

• ART Risk

• Creative Family Connections Surrogacy Law Map

Key Takeaways:

• Premiums are up 18%—out-of-pocket costs now average $10,600 per journey.

• Liens are expanding, especially in California, Oregon, Colorado, and Ohio.

• Never hide surrogacy from an insurer—it can void coverage and risk employment.

• Always compare lien policies to Lloyd’s plans to find the true cost.

• Legal support and professional insurance review are essential before matching.

🎧 Wondering which insurance options for surrogacy 2026 are right for you? Use BloomBridge to get your policy professionally reviewed before you match!

Worried about how changing abortion laws might affect your surrogacy journey? You’re not alone. In this urgent episode, Dr. Alyssa Small Layne dives into exactly how abortion laws impact surrogacy—from limiting access to IVF and restricting doctors, to threatening the very care surrogates and intended parents depend on. Even if abortion isn’t part of your plan, these laws can create roadblocks and risks for everyone trying to build a family.

Get clarity on what’s happening, why it matters now, and the concrete steps you need to protect your surrogate, your embryos, and your future.

🎧 Press play and arm yourself with vital knowledge!

What You’ll Learn:

• 00:00 — How abortion bans are already affecting surrogacy in the U.S.

• 02:15 — The hidden consequences for fertility clinics and reproductive care

• 03:12 — Why personhood laws are disrupting IVF and embryo care

• 05:19 — How Alabama’s Supreme Court decision impacted IVF treatments

• 07:41 — The “abortion ban domino effect” and its reach across surrogacy

• 10:03 — How surrogacy and termination laws intersect—and what it means for you

• 11:29 — What you must do before matching with a surrogate in restrictive states

• 13:30 — Why every surrogacy plan should include termination discussions upfront

• 15:13 — The medical malpractice paradox that’s making OBs scared to act

• 17:14 — How you can still protect your surrogacy journey amidst legal confusion
  

Resources Mentioned:

• ASRM Position statement on personhood
• RESOLVE personhood statement
  

Key Takeaways:

• Surrogacy care is being impacted by legal ambiguity, and every intended parent needs to stay informed

• Personhood laws threaten more than abortion—they could impact IVF access and embryo storage

• Abortion-related legal changes are pushing OB/GYNs out of the field, leading to surrogate care shortages

• You must discuss termination and know your surrogate’s stance before moving forward

• Proactive legal planning is your best defense in navigating this changing landscape
  

Start your surrogacy journey with clarity and protection—don’t skip the legal preparation.

📱 Download the BloomBridge app today to access tools and guides that prepare you for every step of the surrogacy process.

“When abortion laws change, fertility care changes. And your surrogacy journey needs to be ready for it.”

Dr. Alyssa Small Layne digs into why Bloomberg’s “IVF Disrupted” resonated so widely and what it reveals about the modern fertility industry. She explains how a specialty that once covered broad reproductive care narrowed to one core product—IVF—then absorbed private-equity incentives and startup-style operations. The result can be speed over safeguards, glossy lobbies over lab quality, and patients left guessing about real risk.

In this episode, you’ll learn how to look past marketing, ask process-focused questions, and spot profit-driven decisions before they shape your care. Press play to learn how to evaluate clinics with clarity and confidence.

What You’ll Learn:

03:14 — How REI shifted from medicine to marketing

04:50 — Why private equity targets IVF clinics

06:52 — How fast growth leads to dangerous mistakes

08:20 — Real cases of embryo mix-ups and clinic errors

14:30 — The lab procedures you never get to see

16:50 — Why clinics reject patients to protect success rates

17:34 — Add-on procedures that increase cost but not outcomes

19:39 — How intended parents can push for industry change

Resources Mentioned:

• BloomBridge Surrogacy App

• SMS#47 Hidden Risks of PGT-A Testing in IVF and Surrogacy - Allison Freeman

• IVF disrupted: The Kindbody story

Key Takeaways:

• A narrow, procedure-driven model can sideline safety and transparency.

• Lobby aesthetics never substitute for validated lab processes and controls.

• Profit incentives may shape add-ons, timelines, and who performs procedures.

• Ask precise, process-focused questions to evaluate real clinic safeguards.

Choosing or re-evaluating a clinic? Use today’s questions to assess lab quality, staffing, and add-on recommendations—then press play for the full guide.

“Don’t judge care by the lobby. Ask how the lab protects your embryos.”