Showing posts with label health-insurance sharing. Show all posts
Showing posts with label health-insurance sharing. Show all posts

Wednesday, May 9, 2012

More on Marital-Status Discrimination



Recently, a gay friend on Facebook denied that marriage as an institution is discriminatory. This seems laughable to me, especially since gay couples are routinely-excluded from marriage in most American states. Interracial marriage used to be illegal before the landmark Loving vs. Virginia case which ended miscegenation laws in 1965.

Here was my response:

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If marital status is held as a preferred status over being unmarried (like religious over non-religious), then yes, it's inherently discriminatory—especially when there are benefits to be had from marriage including tax benefits, motor insurance discounts, health-insurance benefit sharing, hospital visitation, etc. The real kicker here for me, and which affects me every single day I am a freelancer is the lack of health insurance benefit sharing. My girlfriend of 14 years is not allowed to share her health insurance with me, someone she owns a house with, because there's discrimination at the *Federal level*. This has been verified by a lawyer.

Gay couples enjoy domestic partner benefits (despite the discrimination against them with marriage) and there is a state mandate for companies to allow gay domestic partners of 6 months or more with commingled finances to share health insurance. Again, this is denied to me and my girlfriend of 14 years, because we are of opposite sex.

Marriage creates discrimination directly and indirectly. It's directly discriminatory because gay people are excluded from marriage, and polyamorous groups are barred as well. The effect it has on heterosexual couples is that they are railroaded into the preferred institution of marriage and punished for being unmarried.

This is nothing less than marital-status discrimination, and it's one of the frontiers of equality still basically lacking legal challenge because too many people still get married. Still, the way health-insurance works, there are many ways to be a 'protected class' and it takes almost a perfect storm of variables for someone to find themselves in an opposite-sex relationship, without health insurance and seeing the CLEAR discrimination that happens as punishment for refraining from the institution of marriage.

People still use the facile logic that I should 'just get married' but this totally misses the point. Marriage is a personal decision and should not be validated or endorsed by government (any more than religion). Since it is endorsed by government, it shouldn't be held as a favored status over unmarried couples who for ideological reasons refuse to marry. This is NO different than favoring religion over non-religion. Would you tell an atheist to join a church to get married? No. Can atheists get married without religion? Of course. Should we be punished for not being able to or not *wanting* to marry? NO.

The fact that you don't understand this belies the pervasive and endemic nature of the problem. I support gay marriage...so please re-consider your views on marriage vs. those who for any reason choose not to marry but still deserve to enjoy domestic partner benefits. Believe me, I've been trying to get domestic partner health-insurance benefits from my girlfriend's company since 2004....and it's been NO every time, with no state protections here. For you to deny that it's discrimination is madness to me, but maybe you're just not educated about this stuff yet.

Here's hoping I shed some light on the topic.

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The way to undermine the inherent discrimination related to marriage is simple: Don't get married. It's exactly the same as believers leaving their churches in droves, or the exponential growth of secularism around the world. It does pain me a bit to think that I am such a vocal advocate for gay rights (and gay marriage), and yet when I complain about discrimination so many people don't even acknowledge that this discrimination exists. Ironically, once gay people can get married, more people who choose to stay unmarried will see the clearer discrimination against unmarried couples...especially with regard to health-insurance benefits. Marriage is not the answer. Equality under the law is the answer. 


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