Here are some examples of same-sex couples having their lives practically effected because they don’t have the came legal rights as married opposite-sex couples:
urban.org/uploadedpdf/410939_cost_of_marriage_inequality.pdf (note the subtitle, “Lack of Marriage License May Cost Tens of Thousands of Dollars When Partner Dies, Increases Risk of Losing One’s Home”)
reason.com/24-7/2012/12/17/montana-supreme-court-denies-same-sex-be
articles.baltimoresun.com/2011-11-22/news/bs-md-co-samesex-police-20111122_1_health-benefits-arbitrator-first-union-contract
articles.latimes.com/2012/dec/22/local/la-me-richard-adams-20121223
bankrate.com/finance/taxes/3-tax-traps-same-sex-couples-can-avoid-1.aspx
This make me wonder, are you in favor of the government forming a legal institution for same-sex couples that is functionally identical to civil marriage, but under a different name?
First of all with regard to the health insurance issue, yes it is true that married couples can get the other spouse under one’s employer health plan. However, we have Obamacare and under Obamacare if one can’t get under the other health plan, the other can very easily get health insurance from another source. Also, not all married couples can actually get their spouse under his/her employer’s insurance. It depends on the size of the company, number of employees, policies of the insurer and many other factors so calling this a “benefit” of married couples is not accurate as many married couples also can’t obtain this “benefit.” So the only real difference between married and unmarried couples is that married may get health insurance from the same provider while unmarried have to get two different providers. In the end, both do have access to health insurance so I don’t see what is the big issue here.
Second, with regard to the argument that one gets sick and the other one doesn’t get access to the hospital etc. There is a very simple solution called Health Care Proxy. A Health Care Proxy will give access to the other person to medical records, can visit the hospital, take medical decisions, etc. So when gay marriage activist through the argument that one partner cannot take medical decisions over the other, that is incorrect. Moreover, this argument is terribly misleading for everybody because people now think that the “magic” of marriage is going to give one spouse automatically rights when it comes to the medical area to the other one. This is completely wrong because HIPPA laws do apply to spouses too! Many married couples also face the same issues that homosexuals claims because been married doesn’t grant you any magical rights over HIPPA or over hospital policies (which have very little to do with the law, hospitals can create their own policies) so actually a Health Care Proxy is something both married and unmarried people need.
The articles you posted talk about SS Benefits, 401k, IRAs, etc. There is another very simple solution for all those issues and is something call Estate Planning! Estate Planning is something that is precisely done to avoid all these problems. Then again, this is another terribly misleading argument that creates the incorrect belief in people that marriage is going to give them a magical power and they are not going to face any of these issues. Married couples can face these same issues and that is why even married people early on have Estate Planning done.
With regard to homes, that requires a long explanation and I am not going to sit here to give a law class. However, I am going to sum it up saying that there are different kinds of tenancies and pretty much everything depends on what kind of tenancy the couple chooses – BTW yes, you do get to choose the kind of tenancy you want so if someone chooses a kind of tenancy that does not favor their situation, I am sorry but it is their responsibility to do the research. Also, one statement that surprised me was the one that said same sex couples still are making their mortgage payments while heterosexuals don’t. The person who wrote that either is talking about other countries or has zero knowledge about real estate situation in the US because in this country very few, and when I say very few I actually mean it, very few people in the US own a house free from mortgages, and with the way that the real estate market and the economy are in the US, a huge number of heterosexual married people have either lost their houses or own them underwater so starting by that, that article is completely wrong.
The only issue that does not actually has a solution, granted, is the immigration issue. However, if you take into account that when it comes to Immigration the laws of USCIS boil down as to what each officer likes or don’t like, the whole issue takes a whole new perspective. Immigration do not want anymore people in this country and knowing them I can assure you that even if gay marriage was legalized, Immigration is going to find a way to deny and deport spouses of homosexuals. Heterosexual married couples do also face deportation issues more than what you think. Immigration denies everyday green card to spouses of Americans and they have the most unfair, discriminatory and cruel laws in the world. If you think that legalizing SSM is going to resolve the Immigration problem your perception is incorrect.