Your surrogate’s medical insurance may or may not cover surrogacy pregnancies. You will need to ask her employer or her husband’s employer. If not, you will need to purchase a plan on the ACA marketplace.
If you do have to purchase a policy, doing it during open enrollment is the most affordable but you can also purchase private plans throughout the year. We used a company called Art Risk to help us pick a plan. I highly recommend this because they make sure you get a plan that covers everything you need and eliminates a lot of the risk so there aren’t surprises down the line.
@AliMon611 I totally agree with you on this. I can’t imagine navigating the open enrollment on my own – and I think they have a few different options for service and nothing is super crazy expensive (I think). Did you use them to do an insurance review, by chance?