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Biden’s Latest Proposal Would Force Insurers to Pay for Gender ‘Transition’

Biden’s Latest Proposal Would Force Insurers to Pay for Gender ‘Transition’

Posted by Jay Richards  and Timothy Benton

Since his first day in office, President Joe Biden has sought to inject gender ideology into our laws. He might prefer a massive bill like the Equality Act that elevates the categories of “sexual orientation” and “gender identity” to the status of race and sex. But that effort has stalled in the Senate. So, for now, his administration is looking for ways to insert sexual orientation and gender identity concepts into existing law.

The latest? In January, the U. S. Department of Health and Human Services proposed a rule to add sexual orientation and gender identity language to the 2010 Affordable Care Act. According to the department, these amendments will ensure that those who identify as LGBT receive “medically necessary” care. This includes “gender-affirming” surgeries and hormone “therapy.”


The department’s proposed rule circumvents the law and treats dubious treatments as essential health benefits in qualified health plans. This not only contradicts the best science and medicine, but it’s also a disaster for insurers, for medical providers, and, most of all, for those struggling with gender dysphoria.

Sex, Gender, and Discrimination

The rule has legal problems, but we shouldn’t allow that to distract us from the fact that it strikes at the heart of what it means to be human. To see this, it helps to keep a few definitions in mind.

First is “sex.” Human beings are a sexually dimorphic species. With the very rare exceptions (such as those resulting from disorders of sexual development, sometimes called “intersex“), everyone is either male or female. This is biology. It’s also common sense—as revealed by the testimony of every culture in every time and place throughout history.

Many people also affirm the sexual binary of males and females on religious grounds. The book of Genesis, for instance, says that God created us “male and female.”

The next term is “gender,” which is best seen as the social and psychological correlate to sex—as sexologist Debra Soh has argued. “Male” and “female” connote sex. “Masculine” and “feminine” connote gender.

Then there’s “gender identity,” which comes from the lexicon of gender ideology. According to one popular definition, gender identity refers to a person’s understanding and experience of their gender.”

Note the circularity. Once untethered from biological sex, gender identity can mean almost anything. Hence the current taxonomy of 72 genders—subject, of course, to expansion.

This subtle shift in terms is critical. Behind “gender-affirming care” is the hope of aligning the recipient’s body with their gender identity. Such “care,” however, is at best cosmetic. It cannot achieve the impossible: to change someone’s sex with chemicals or scalpels.

The Department of Health and Human Services rule would, in effect, erase a key aspect of our humanity. That is, it would displace biological sex as a criterion for medical care with a fluid and illusory notion of gender identity. This, in turn, would also serve as a precedent for further policy changes elsewhere in the administrative state.  

Conscience and the Reality of Sex

Despite the infiltration of gender ideology in government bureaucracies, many people still know—on rational, scientific, medical, and/or religious grounds—that sex is immutable. Doctors and government officials, they believe, should recognize sex as a human reality, not treat it like a fashion choice, or, still less, like a tumor that can be surgically removed.

Many insurers, medical professionals, and health insurance enrollees hold such views. And they will want nothing to do with chemical and surgical interventions for “gender transition.” The new HHS rule, if approved, would force many medical professionals to violate their medical expertise and religious convictions.

While advocates of the rule claim it will comply with the Religious Freedom Restoration Act of 1993—which severely restricts government interference with religious belief—the rule deems treatments that exclude gender-affirming interventions as “presumptively discriminatory.” But this is bound to conflict with many people’s religious and medical consciences—and, thus, to run afoul of the law.

In any case, views based on reasonable medical, moral, and religious beliefs and the patient’s best interests are nothing like unfair discrimination. The federal government should not treat them as such.

Neither Medically Necessary nor Helpful

But what if, as the proposed rule claims, “clinical evidence supports medically necessary gender-affirming care” and shows that such coverage “can significantly improve the health and well-being” of patients?

Proponents claim that gender-affirming care is medically necessary because the presumed alternative to hormones or surgeries is suicide. Thus, the express goal of this so-called care is to improve mental health and prevent suicide.

Despite activists’ claims, the clinical evidence shows otherwise. A 2019 study of the largest dataset of patients who have undergone gender-affirming surgeries “demonstrated no advantage of surgery in relation to subsequent mood or anxiety disorder-related health care.” It likewise found no benefits to chemical interventions, such as cross-sex hormones.

The most thorough follow-up study is far more troubling. It reports that those who have undergone gender-affirming surgeries are, after 10 to 15 years, 20 times more likely to commit suicide than are comparable peers.

There are also serious risks for those who receive drugs and surgery for gender transition. Puberty blockers lead to decreased bone density and prevent the proper “sex-steroid dependent organization and maturation of the adolescent brain.” Those who use cross-sex hormones have a greater risk of cardiovascular disease, depression, and permanent sterilization, among other things. “Sex-reassignment” surgeries carry even more serious risks that lead to long-term complications and worse mental health.

Misreading Bostock

Does the Supreme Court’s 2020 ruling in Bostock v. Clayton County require it despite all these problems with this HHS rule?

The Department of Health and Human Services seems to think so. It bases the proposed rule on two other directives. The first, “Preventing and Combating Discrimination based on Gender Identity or Sexual Orientation,” is an executive order Biden issued on the first day he took office. The second is the department’s May 10, 2021, notification of the same enforcement.

In both documents, the administration cites the Supreme Court’s ruling as grounds for expanding the meaning of sex discrimination to include sexual orientation and gender identity. This, however, is a distortion of the court’s reasoning.

According to Justice Neil Gorsuch, the court proceeded “on the assumption that ‘sex’ signified what the employers suggest, referring only to biological distinctions between male and female.”

Gorsuch underscored the narrowness of the ruling by stating that the ruling applied only to Title VII of the Civil Rights Act of 1964, which deals only with matters of employment. He thus anticipated and rebuffed future efforts to apply Bostock to all civil rights regulations.

What’s more, the court stressed that the Religious Freedom Restoration Act serves as a “super statute.” As a result, the act protects actions that might otherwise run afoul of a nondiscrimination rule in many contexts. Gorsuch noted that the act could apply even in employment in appropriate cases. Once again sought to preempt flawed readings of the court’s ruling in Bostock.

The new rule relies on just such a flawed reading. It lacks a legal basis to amend the proposed nondiscrimination provisions and contradicts the plain meaning of laws against sex discrimination.

Costly Harm

From its flawed interpretation of Bostock to its faulty medical evidence, this new rule results from gender ideology, not solid science and sound reason. If approved, the rule would further undermine evidence-based medical research and health care involving gender dysphoria.

It would force insurers, medical providers, and those enrolled in qualified health plans to pay for and/or perform harmful procedures that, for many of them, would violate their medical expertise and religious convictions. In short, the rule would violate Americans’ basic rights and harm the very people it seeks to help.

Notes from the Editor

While most of us have no issue if one wants to identify as a male or female, even if one wishes to be a horse, mouse, or say maybe a rabbit, the question has to be asked, “Why are we paying for this?”

I have a huge problem; this is elective surgery, it is not my responsibility to pay for your sex operations. If you wish to do that, do so yourself.

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This is where this administration, which is rapidly turning into the most radical one we have ever had, is trying to say if you agree or not, that does not matter. You will have to pay for it as insurers pass on increased costs to you by raising your premiums.

What is more bothersome is that we used to hold religious beliefs as something that should be protected, regardless of cost now; this is seen as nothing but an inconvenience that needs to be crushed.

We are committed to truth and accuracy in all of our journalism. Read our editorial standards.

About The Author

Timothy Benton

Student of history, a journalist for the last 2 years. Specialize in Middle East History, more specifically modern history with the Israeli Palestinian conflict. Also, a political commentator has been a lifetime fan of politics.

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