If you're pregnant and thinking, "I'm pregnant and can't afford the baby," you're not alone. Financial stress during pregnancy is real, common, and nothing to be ashamed of.

Many women face this exact situation. Maybe you don't have health insurance. Maybe rent takes most of your paycheck. Maybe you're already supporting other children on a limited income. You deserve to know all your options and where to find help.

You have choices. Government assistance programs can help with medical costs, food, and housing. If you're considering adoption, adoption financial assistance covers your pregnancy expenses completely. And no matter which path you choose, support is available.

At American Adoptions, we've helped thousands of women navigate financial uncertainty during pregnancy. Call us at 1-800-ADOPTION or connect with an adoption specialist to discuss your options confidentially.

I'm Pregnant and Can't Afford a Baby: What Are My Options?

When you're facing financial stress during pregnancy, you have three options to consider:

Government Assistance (if you plan to parent)

• Helps with medical care, food, and living expenses
• Programs designed specifically for pregnant women
• Available during and after pregnancy

Adoption (if you can't provide what you want for your baby)

• Adoptive families cover ALL your pregnancy expenses
• Medical bills, rent, utilities, food, transportation, counseling
• You can stay connected through open adoption if you want

Abortion

• Abortion can be an option upon finding out you’re pregnant and cannot afford parenthood.
• Access to abortion has become increasingly difficult across the country, but Arizona does allow access to abortion within 24 weeks.
• You’ll want to speak to a medical professional and look into your state’s abortion laws before making a decision.

Both options are valid. The right choice depends on your situation and what feels right for your baby's future.

You don't have to decide alone. Talk to specialists who can explain both paths without pressure.

Where to Find Financial Help During Pregnancy in Arizona

If you're pregnant and facing financial challenges in Arizona, several government programs provide assistance.

These programs exist to help. Using them shows you're taking care of yourself and your baby. Learn more about options if you're pregnant with no insurance.

How Adoption Financial Assistance Works for Parents Considering Adoption

If you're considering adoption, adoption financial assistance ensures pregnancy costs don't become a barrier.

Who Pays: The adoptive family covers your pregnancy expenses. This is standard in adoption and allowed by Arizona law.

What's Covered

• Medical care: Prenatal visits, ultrasounds, hospital delivery, postpartum care
• Living expenses: Rent, utilities, groceries, maternity clothes
• Transportation: Gas, bus passes, rides to appointments
• Counseling: Both before and after placement
• Legal fees: Your attorney is paid separately

How It Works: You never receive cash. American Adoptions pays your bills directly—rent to your landlord, utilities to companies and medical bills to providers.

Arizona Legal Limits

• Up to $1,000 without court approval
• Over $1,000 requires a court motion (we handle this)
• Courts check that expenses are reasonable and necessary

After Birth, Support continues up to six weeks after delivery while you recover.

Your Rights Getting help doesn't obligate you to place your baby. If you change your mind before signing consent, you don't repay anything. Arizona law protects this.

Do Birth Mothers Get Paid for Adoption in Arizona?

No. You cannot receive payment for placing your baby. That would be illegal.

What's the difference?

Payment (ILLEGAL) = Getting money in exchange for your baby. This is baby selling.

Financial Assistance (LEGAL) = Adoptive family covers your pregnancy expenses, so money stress doesn't force your decision.

You're not being paid for your baby. You're getting support for legitimate pregnancy costs—the same costs you'd have whether you parent or choose adoption.

Does Adoption Cost Money for Birth Mothers in Arizona?

No. Adoption is completely free for birth mothers.

You pay $0 for:

• Adoption services from American Adoptions
• Your attorney's fees
• Counseling (before and after placement)
• Any paperwork or legal filings

Actually, you GET financial help. Adoptive families cover your pregnancy expenses.

If anyone says you need to pay for adoption services, that's a red flag. Walk away and contact a reputable agency.

Living Expenses Covered for Birth Mothers in Arizona

Arizona law allows adoptive families to pay for "reasonable and necessary" expenses during pregnancy.

What's Covered:

• Rent and utilities
• Food and groceries
• Maternity clothing
• Transportation to appointments
• Phone service
• Basic household supplies

How Long: Up to six weeks after birth while you recover.

Your Protection: You sign a document confirming you understand that getting help doesn't mean you HAVE to place your baby. Even after months of assistance, you can choose to parent without repaying anything.

How American Adoptions Supports Birth Mothers in Arizona

We provide comprehensive support throughout pregnancy, placement, and beyond.

How to Start the Adoption Process in Arizona

Starting is simpler than you might think.

Step 1: Contact American Adoptions at 1-800-ADOPTION. You'll speak with a specialist who answers questions without judgment.

Step 2: Learn about your options and what support is available.

Step 3: Begin receiving adoption financial assistance immediately for rent, utilities, medical care, and other expenses.

Step 4: Browse family profiles and choose your baby's family when you find one that feels right.

Step 5: Create your adoption plan with your specialist's guidance. Legal counsel is provided at no cost.

Step 6: Prepare for delivery with hospital coordination and 24/7 specialist support.

Step 7: After Arizona's 72-hour waiting period, sign consent if you're certain. Support continues post-placement with counseling and financial assistance for up to six weeks.

Learn about the next steps in your adoption journey.

Talk to an Adoption Specialist Anytime: 24/7 Support

American Adoptions provides 24/7 support. Call us at any hour, any day. Whether it's 2 AM and you can't sleep, or mid-afternoon when panic hits—someone is available to help.

What to expect when you call:

• A compassionate specialist who listens without judgment
• Honest answers about adoption and financial support
• Information about all your options
• Immediate help if you're in crisis
• Confidential conversation with no pressure

Not ready to talk yet? Get free information online to explore at your own pace.

Bottom Line: If you're thinking, "I'm pregnant and can't afford the baby," you have support available right now. Government programs can help if you plan to parent. Adoption financial assistance covers everything if you choose adoption. You're not alone.

Call American Adoptions at 1-800-ADOPTION anytime. We're here, and we care.

Contact an adoption specialist or browse adoptive family profiles to see families waiting to welcome a child.

Disclaimer
Information available through these links is the sole property of the companies and organizations listed therein. American Adoptions provides this information as a courtesy and is in no way responsible for its content or accuracy.