What’s Who You Love Got to Do with It? Allegations of Sexual-Orientation Discrimination in the Context of Insurance UnderwritingA Massachusetts lawsuit in which a gay man is alleging that his sexual orientation was a discriminatory factor in an insurer’s refusal to issue him a long-term care (LTC) insurance policy could have ramifications for insurers nationwide. At issue in the case is the drug protocol called pre-exposure prophylaxis (or PrEP). PrEP was approved by