Insurance for a surrogate's pregnancy comes down to the specific policy's terms and to ACA marketplace rules far more than it comes down to state law. Don't assume a plan covers — or excludes — a surrogate pregnancy just because of where the surrogate lives. The real answer is almost always sitting in the policy language, not the state code.
Does Georgia regulate surrogacy insurance specifically?
No. There's no Georgia-specific insurance law or regulation that addresses surrogate-pregnancy coverage, or that bars insurers from excluding compensated or surrogate pregnancies from a policy. That's true almost everywhere, not just in Georgia — insurance coverage for a surrogate's pregnancy is a policy-by-policy question, decided by the carrier and the plan document, not by state statute.
Medicaid in Georgia
Georgia has not adopted full Medicaid expansion under the ACA. Georgia runs a limited work-requirement program (Georgia Pathways to Coverage) rather than full ACA expansion. That mainly affects who qualifies for Medicaid at all — it isn't a surrogacy-specific rule, and Medicaid generally isn't an appropriate option for a compensated surrogate's pregnancy care in any state, expansion status aside. Confirm coverage directly with the surrogate's own carrier, or look at a dedicated surrogacy insurance policy instead.
What to actually check
The real work here is reading the policy, not the state code, and that guidance is the same nationwide — so it lives in one place instead of being repeated on every state page. See the insurance guide for surrogates or the insurance guide for intended parents for the specific questions to ask a carrier before the .