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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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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It's ridiculous that our insurance system grew into a situation where most people's insurance is tied inextricably to their employer. We don't do that with car or home insurance.
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If this weren’t America, I’d say the idea that anyone limits the risk pool to the company buying it is impossible. That’s insurance in name only. Nevermind that risks are correlated between much of the pool. Wow.
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