Although I do believe anything can be covered by insurance providers if they wish to, I don't see the reason why a health insurance provided would need to cover something that isn't treating any disorder or illness.
Many of us are incapable of living a normal life without HRT.
Sounds like a disorder/illness
And you know what we do when someone has disorders/illnesses? We give them MEDICINE.
HRT is the medicine for their gender dysphoria, what is not to understand?
HRT/SRS for gender dysphoria is only "medicine" under a radical activist definition. There is no other body integrity disorder we "treat" by mutilating or chemically altering normal human anatomy. If gender dysphoria is a disease of the mind, then it should be treated as such.
Making access to HRT/SRS the end-all, be-all of trans advocacy is a weird erasure of the overwhelming majority of trans people, both today and historically, who never medically transition. It's also a fundamental betrayal of the supposedly-axiomatic principle that gender be decoupled from sex. If the two are distinct, then why do we need to change people's sexual anatomy in order to affirm their gender?
We are quickly barreling towards a future where gender non-conforming young people are told they ought to reject their bodies in order to better live-up to traditional gender stereotypes. For some kids it is already here. That's a future that's worse-off for everybody, queer or not.