" Obamacare changes everythingThe ACA has been a game-changer for individual health insurance, and maternity coverage is one of the areas where the changes are most pronounced. Maternity care is one of the ten essential health benefits that must be included on all new individual and small group policies. An expectant parent can now obtain coverage in every state during open enrollment or during a special enrollment period triggered by a qualifying event. And women are no longer charged higher premiums than men, despite the fact that every new policy – both in and out of the exchanges – includes maternity coverage.
Even before the ACA, maternity coverage was available on most group plans, thanks to the 1978 Pregnancy Discrimination Act. The Act mandates that if an employer with 15 of more employees opts to provide health insurance, the coverage must include maternity benefits. And in nearly forty percent of the states, there were regulations that required small group plans to include maternity benefits, even if the employer had fewer than 15 employees.
But the ACA has filled in the gaps; in every state, new small-group plans must include maternity benefits. (Small employers with fewer than 50 employees are not required to offer coverage at all under the ACA, but if they do, it must include maternity benefits.)"
This doesn't specify covering surrogacy pregnancy/maternity care. What I found is that an insurance may cover surrogacy pregnancy but then require you to reimburse them medical costs up to the total amount of your compensation. So in essence deterring you from using their insurance so you don't possibly lose your compensation.
I had my insurance change it's policies regarding surrogacy pregnancy in the 3rd trimester and it's a gamble as to whether or not and when they would come after me for reimbursement. So, I would double check to see if there is a clause like this before you buy the policy.