healthcare coverage and your family vs. gay marriage

Saturday, May 23rd, 2009

you know. once the whole gay marriage thing goes through more u.s. states, here’s what you’re probably gonna see happen.

a lot of businesses will cease to offer healthcare coverage that covers the entire family. statistically speaking, 33% of gay men are HIV positive, and the medication needed to keep AIDs suffers alive is really expensive.

if a small business, for example (this example is based on first hand knowledge) has a family with a severly handicapped child, for instance, medical insurance companies tend to drop these companies because of the prohibitive expense in caring for such a child. from a value perspective, it is unfortunate. it doesn’t always happen, but it can. in the end, everyone in the company ends up with really marginal health insurance with a super high deductible that doesn’t really cover diddiley squat.

additionally, loads of people will claim to be in these ‘relations’ with their friends so that their best friend dying of cancer will be able to get healthcare coverage as well. this may already be the case with heterosexuals, but the level of fraud will increase exponentially.

companies are not obligated to provide healthcare coverage to entire families. in business school, we call this negative hygiene factors, meaning, this has been available for so long and people just accept that it is part of the package and don’t think about it, but when taken away people will really feel it.

american companies are always looking for ways to cut costs. this can be done by laying people off, slashing benefits, and cutting out perks. as these things are neither mandated nor regulated by the u.s. government, and every state has a different set of laws on the books, companies will do what they feel is best for the bottom line.

arguably, this might call for better oversight and more regulation. but as the u.s. is essentially 50 different fifedoms, if a business does not love the business client in one state, it will relocate to another state. which is what has happened to california over the past 20 or 25 years. it’s an un-userfriendly state when it comes to big business. and colorado and states in the hinterlands (read mountain time) have benefitted substantially because of the unfriendly business climate in california.

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