Well, insurance premiums have gone up. So the answer to that question is categorically yes. They've gone up $700 a year on average in the past 20 years (it's something like 6x the inflationary rate).
Is it because of trans people? Surely not most of it, but it without a doubt has an impact.
Let's look at the stats:
The sex reassignment industry was $1.9B in 2021, $2.1B in 2022 and it's expected to be $5B in 2030. There was a 15% rise in breast or chest procedures in trans people from 2019 to 2020.
You think insurance companies don't know these numbers?
Again, I don't agree with a government ban...but I certainly understand why some would want it and my reasoning is mostly because I do not have the ability to choose my insurance provider.
That's a small drop in the pool of billions of dollars that make up the medical industry. Which is why the argument from some of these nitwits that try to paint the trans medical community as a racket to get rich is laughable. Yes, some of the surgeries are expensive but we're such a small fraction of the population, it hardly makes a dent in people's premiums.
I think any law like that is unlikely to pass and would be struck down by a court as unconstitutional. But the fact that the Overton window has moved so much in the last couple of years is troubling to me. Make no mistake, this is not a noble effort to lower people's premiums, it's a targeted law aimed at us.
And more besides, do we not have more pressing issues to focus on than what trans people do or don't do with their bodies?