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Part 1 of this series discussed the cost and discriminatory issues members of the LGBTQ+ community face when trying to seek healthcare services. Part 2 provided an overview of how American Exchange helps members of the LGBTQ+ community find the right Federal marketplace plans to meet their specific healthcare needs.

This post focuses on finding the right marketplace insurance for transgender individuals. But first let’s take a look at healthcare provider and insurance discrimination that many in the LGBTQ+ community face, especially the transgender population.

Health Provider and Insurance Discrimination

A 2020 survey found that 30% of LGBTQ Americans reported experiencing some form of discrimination in the past year (the Center for American Progress). Of those respondents, 36% reported avoiding doctor’s offices to avoid discrimination, meaning they were less likely to seek out necessary services because of negative experiences, including:

  • A doctor or provider being visibly uncomfortable due to the LGBTQ+ member’s actual or perceived sexual orientation (14%)
  • Harsh or abusive language (8%)
  • Doctors or providers intentionally refusing to recognize their family members (8%)
  • Unwanted physical contact (7%).

When it comes to health insurers, transgender Americans, in particular, faced health insurance discrimination (see Figure 1).

To avoid discrimination, you need to understand what health insurance plans actually cover, and identify providers who have experience treating transgender individuals and their families.

What Should You Look For In A Health Plan?

Transgender individuals and families have very specific medical and mental healthcare needs,  you need to dig into the services covered by an insurance plan to see what is covered and what is considered cosmetic. Here are some of the questions American Exchange’s sensitive, ACA-certified enrollment agents will ask you to make sure you are getting the most comprehensive, affordable health plan that fits your specific needs:

  • Is gender affirming surgery covered by the plan?
    •  If it is covered, how much of the cost will I have to pay?
  • If the person wanting to undergo gender affirming surgery is not an adult, will puberty blockers be covered? 
  • Is birth-gender preventive care covered after my gender affirming surgery?
  • Are related surgeries like Adam’s apple reduction surgery covered, or are they considered cosmetic?
  • Are the mental health services associated with my transition covered?
  • Is hormone replacement therapy covered?

American Exchange Can Help You, At No Cost To You

American Exchange has helped transgender Americans enroll in affordable ACA plans that meet their specific healthcare needs. Our licensed, certified brokers have enrolled more than 60,000 individuals and families, including more than 17,000 Ryan White program members throughout the United States.

We Respect Who You Are

And we also know how to treat you with dignity and respect:

  • We use the pronoun you prefer when working with you to identify your needs, yet enroll you correctly based on marketplace gender requirements. 
  • We research specific plan terms to find the most affordable options that provide the most coverage of the services important to you and your family.
  • We will call doctors to make sure they are skilled in treating LGBTQ+ members and have discreet protocols in place.

We Also Help Medicare-Eligible Transgender Individuals Enroll

Medicare can be very confusing for those who are turning 65 and for those transitioning from Social Security Disability Insurance (SSDI). If you are eligible for Medicare or will be in 3 months, American Exchange can help you find the right Medicare coverage to fit your needs at no cost to you.

Open Enrollment Ends August 15, So Act Today

During the Affordable Care Act (ACA) special open enrollment period available through August 15, 2021, eligible consumers are paying less to enroll in marketplace plans. According to the Centers for Medicare & Medicaid Services (CMS), 347,000 new consumers who enrolled between April 1 – May 31 selected plans for as little as $10 or less after advance premium tax credits (APTC) were applied.  

Give our enrollment team a call to help you find the most affordable ACA Marketplace or Medicare plan that covers the services you care about. Call 1.888.995.1617 or email us at