They sure do! And trans people have different insurance risks (and presumably nonbinary people do too.) Rates of suicide, for instance, are considerably higher in trans populations.

But, in this case, my insurance company basically said, "Pick either one, and you can change it whenever you want" when I asked how I should pick as a genderfluid person. I asked if I could change it daily, they said, "Sure."

shrug I think you are right, we'll eventually settle out a couple of forms for things like pronouns/gender identity/sex characteristics/etc. But having a member of the minority who is also an engineer can help make sure we build those tools in a way that doesn't leave small integer N% of people feeling left out.