Bans on Insurance Exclusions of Transgender-Related Care
Insurance nondiscrimination laws and policies protect LGBTQ people from being unfairly denied health insurance coverage or from being unfairly excluded from coverage for certain health care procedures on the basis of sexual orientation or gender identity. This map reflects laws and policies that bar health insurers from explicitly refusing to cover transgender-related health care benefits and those that explicitly permit insurers to refuse to cover gender-affirming care.
*In Mississippi, state law explicitly allows private insurers to refuse to cover gender-affirming care for minors, as part of its statewide ban on best practice medical care for transgender youth. Arkansas law allows this refusal of coverage for gender-affirming care for everyone, regardless of age. For more information about this and every state, click “Citations & More Information” beneath the map legend.
Recommended citation:
Movement Advancement Project. “Equality Maps: Healthcare Laws and Policies.” https://mapresearch.org/equality-map/healthcare-laws-and-policies/#private-insurance. Accessed June 12, 2026.
Percent of LGBTQ Population (Ages 13+) Covered by Laws
*Note: These percentages reflect estimates of the LGBTQ population (ages 13+) living in the 50 states and the District of Columbia. Estimates of the LGBTQ adult population in the five inhabited U.S. territories are not available, and so cannot be reflected here. Population estimates are from UCLA’s The Williams Institute.
