So that was it. I would have considered the job otherwise, but not if I was clearly going to be a second-class employee. There was nothing particularly unusual about this interaction. As trans people, we’re not a protected class under US law, so it’s okay for insurance companies to deny us medically necessary care as long as it’s care that only a trans person would need. This isn’t because insurance executives actively hate us or something like that — no, it’s because of something worse. They know that because the American public considers us subhuman, they can get away with cutting costs by denying us health care — just because we happen to be in a politically unpopular group. To me, that’s worse than being actively hated.

–Tim Chevalier on getting health insurance while trans.