Looking for health insurance for 2024 through HealthCare.gov? We’ve got you covered! Out2Enroll reviewed silver marketplace plan options in 32 states and found that 1) the vast majority of insurers did not use transgender-specific exclusions and 2) 40% of plans had language indicating that all or some medically necessary gender-affirming care would be covered by the plan.
To help you understand your options, we’ve created new state-specific Transgender Health Insurance Guides and encourage you to make an appointment with an LGBTQ-friendly expert who can help you enroll for free. Don’t forget that 4 of 5 people can find a plan with a monthly premium of $10 or less. Head to HealthCare.gov to see if you qualify for savings!
You can see more detailed information for each plan by checking your state’s materials here, and a summary of all reviewed plans is here.
Guides and comprehensive plan information are available for:
*Under state law, gender-affirming care is not available for individuals under the age of 18. See MAP’s Youth Medical Care Bans for more information.
For more info on choosing plans and navigating denials, check out TLDEF’s tutorials at transhealthproject.org.
If your coverage is denied, first appeal with your health insurer – visit http://bit.ly/2hGFuWn to learn more.
If you face discrimination by an insurer or health provider, file a complaint with your state insurance department or contact a legal organization – visit NCTE’s Trans Legal Services Network Directory to find a legal aid organization near you.
DISCLAIMER: The information in each Transgender Health Insurance Guide only applies to exclusions to gender-affirming care. These ratings were compiled by Out2Enroll through a review of silver marketplace plans only. We believe that this information will be the same for bronze, gold, and platinum plans but encourage you to check your plan options to confirm. Out2Enroll did not contact insurance companies to verify this information. In addition, plans may have other exclusions (such as cosmetic exclusions) that may impact your coverage, so you should carefully review each plan to ensure it meets your particular medical needs. We recommend that you always obtain prior authorization from your insurance carrier for any gender-affirming procedure. Finally, not all insurers offer coverage in all areas of the state, so carefully review the options in your area.
