Question about gender/sex markers and insurance plans

I have a very specific question about data tracking, gender, and health insurance, and am curious if anyone can advise on this.

In a theoretical case: let's say a nonbinary person were assigned a sex at birth ("F" for example) and then were somehow enrolled in their health insurance with a different sex ("M" for example) but only recently learned this. They did not mark themselves as "M" at any point, but hypothesize that their HR person mistakenly entered this in their enrollment paperwork based on their own assumptions based on name, presentation, etc.

They have private health insurance and live in a state that for now has deemed they will protect transgender people as best they can.

If this person only recently learned about this "M" insurance problem and wanted to change it to "F" for the sake of having it match their passport and other legal documents, then:

a) Would this have a paper trail in their private insurance company's patient record?

b) Would this ever be something that the US Govt can audit or be alerted to?

c) Are there any other legal concerns that they should know about?

Thank you!

submitted by /u/Magentamagnificent
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