The Dark Horse Comics drama is so intriguing to me. I'm not defending them. But I get the impression y'all have NO IDEA how common blanket trans exclusions are in small group plans.
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I can't speak for Dark Horse's insurance broker, but here's how it worked when I worked for a 30-person firm who self-insured.
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Companies of that size don't have the scale issues that make insurance work really great. One employee getting sick can cause a lot of cost. So insurance companies offer small group plans tailored to small businesses.
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These plans often have coverage restrictions that kind of "smooth out" the bumps in risk models for groups that size. They necessarily include many exclusions. This is why we need single payer. A firm of 30 isn't big enough to smooth out the bumps enough.
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Trans people are 1% of the population. If one trans person joins a company of 30, that company has ~3x trans overrepresentation compared to population average. This fucks up the risk model a lot. Almost all small group plans therefore have trans exclusions. This is fucked up.
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It's fucked up because trans healthcare isn't really that costly. And it's fucked up because trans people have a right to medical coverage. But this is a story that is common across 20,000+ small businesses in the US. Why are we going after one business, but not the system?
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End of conversation
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Do that many small businesses self-insure? Or do the major insurance companies' group policies also (illegally?) exclude trans healthcare?
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Maybe I got the original story wrong and it is just a small group policy.
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We should target the insurance companies themselves that allow such things to exist.
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