1. Get a lawyer. You want a lot of the issues established BEFORE you have a baby on the way. Laws for surrogacy vary by state, but in some states the birth mother is the LEGAL mother, regardless whose egg it actually is---and she can change her mind about allowing you to adopt the child at birth. In most states that allow surrogacy, and adoption is part of the proceedings.
2. Have it done artificially. You will otherwise wonder about the relationship between your step-sister and your husband forever after---and it took 10 YEARS for me to conceive. Are you willing to risk a long sexual relationship between them? People trying to conceive almost never do it in one sexual session---so you're looking at the very least at several MONTHS of your step-sister and husband getting it on multiple times a month. Are you okay with that? Are you okay with the feelings that WILL develop between them? I doubt you have even thought beyond the idea that they will have sex once or twice with the lights off and hardly touching to do it. Bury that idea right now--they're going to do it often and they're going to enjoy it. If you are providing the sperm, it's really not that expensive to have the artificial insemination happen. You're setting your relationships with both of these loved ones up for an explosion if you don't.
3. ALL OF YOU get counseling. Surrogacy is tough for many people because they come to love the child they carry--and because the mother NOT carrying the child can carry resentments toward the surrogate if counseling doesn't happen. You all need to understand your roles and you need to ACCEPT those roles before you move forward with surrogacy.
This isn't as simple as your husband having sex with your step sister one time and her handing over the baby like it's a parcel she was just holding onto for you. It's a complicated emotional and legal mess, and I would not even THINK about going into it without a good lawyer and a good counselor.
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