Health Insurance Coverage of Permanent Hair Removal in Transgender and Gender-Minority Patients

Importance Hair removal can be an essential component of the gender affirmation process for gender-minority (GM) patients whose outward appearance does not align with their gender identity. Objective To examine the health insurance policies in the Affordable Care Act (ACA) marketplace and Medicaid policies for coverage of permanent hair removal for transgender and GM patients and to correlate the policies in each state with statewide protections of coverage for gender-affirming care. Design and Setting Private health insurance policies available on the ACA marketplace and statewide Medicaid policies were examined in a cross-sectional study from September 1 to October 31, 2019, and January 17 to 30, 2020. Policies were assessed for coverage of permanent hair removal. Language concerning hair removal was found in each policy's medical or clinical coverage guidelines and separated into general categories. Main Outcomes and Measures Logistic regression analyses were performed to compare Medicaid policies and ACA policies in states with and without transgender protections. Results A total of 174 policies were analyzed, including 123 private insurance policies and 51 statewide Medicaid policies. Of these policies, 8 (4.6%) permitted the coverage of permanent hair removal without explicit restrictions. The remaining 166 policies (95.4%) broadly excluded or did not mention gender-affirming care; prohibited coverage of hair removal or did not mention it; or only permitted coverage of hair removal preoperatively for genital surgery. The ACA marketplace policies in states without transgender care protections were less likely to cover hair removal without restrictions than ACA policies in states with protections (2 of 85 policies [2.4%] in states without transgender care protections vs 5 of 38 policies [13.2%] in states with transgender care protections), and Medicaid policies were less likely to cover preoperative or nonsurgical hair removal compared with ACA policies (6 of 51 Medicaid policies [11.8%] vs 47 of 123 ACA policies [38.2%]). Conclusions and Relevance Despite adoption of statewide restrictions on GM health care exclusions by several states, most Medicaid and ACA policies examined in this study did not cover permanent hair removal for transgender patients. Many GM patients seeking hair removal may be required to pay out-of-pocket costs, which could be a barrier for gender-affirming care. Question To what extent do health insurance policies cover permanent hair removal for transgender and other gender-minority patients? Findings In a cross-sectional study performed in September 2019, 166 of 174 Medicaid and Affordable Care Act marketplace policies (95.4%) broadly excluded or did not mention gender-affirming care, excluded or did not mention coverage of hair removal, or only permitted coverage in the setting of genital surgery. Medicaid policies and private policies in states without legal protections for transgender coverage were less likely to cover permanent hair removal. Meaning This study's findings suggest that most insurance plans do not cover permanent hair removal for transgender and gender-minority patients. This cross-sectional study examines coverage of permanent hair removal in transgender and gender-minority patients by marketplace and Medicaid health insurance policies and correlates the policies in each state with statewide protections of coverage for gender-affirming care.