Hello. I mentioned before I am in the US looking to get a T but I wanted to first get health insurance so I do not get slammed with extra premiums for pre existing condition if I get a T first.

But then I started thinking, do I need to even disclose that, if I am seeing one privately and paying out of pocket ?

What other repercussions could seeing a t have and how much would I need to disclose it in the future at various points (I know I don't for my job but would have to for things like life insurance? car insurance? housing? etc )?

Any advise is appreciated