So they want to pay the premium for one sex but also want to be able to pick and choose treatments as if they were either sex.
Sounds like they need a special category, and a special set of premiums.
Actuarial nightmare. But hey, why ask gender at all? Then, everybody gets everything they need/want, and it’s all FREE!!!!
Instead of baking gay wedding cakes, how about an obgyn who refuses a gyno exam for a man?