Trans Health Insurance Guides
Looking for health insurance for 2024? We’ve got you covered! To help you understand your options, we’ve created Transgender Health Insurance Guides and encourage you to make an appointment with an LGBTQ-affirming enrollment assister who can help you enroll for free.
For more info on choosing plans, navigating denials, and reporting discrimination, please visit our state-specific consumer resources.
DISCLAIMER: The information in each guide applies only to exclusions to gender-affirming care. These ratings were compiled by Out2Enroll through a review of silver marketplace plans, based on an assumption that bronze, gold, and platinum plans will have similar coverage. You should check your specific plan policy to confirm. Out2Enroll did not contact insurance companies to verify this information. Additionally, 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.
4 of 5 people can find a plan with a monthly premium of $10 or less. Head over now to HealthCare.gov to see if you qualify for savings!
Find more detailed information for each plan by checking your state’s Google Drive folder.
26 states currently have bans on gender-affirming care for minors. See MAP’s Youth Medical Care Bans for more information.
If we do not have a guide for your state, we recommend you:
FIND AN ASSISTER
We have trained, LGBTQ-affirming enrollment assisters ready to connect with you, for free, and help you find a plan that works for your gender-affirming care needs and your budget.
REVIEW PLANS
When looking for gender-affirming healthcare, please be sure to always review the full policy contract including their exclusions section.
CALL THE INSURER
The best way to learn if an insurer is willing to cover gender-affirming care is to call them directly and ask. You can also search for the relevant medical policy.