joint insurance policies for home, auto and health
Is this government controlled in the US? If not then the issue is with the insurance companies and not in forcing the government to "legalize" something. And to be honest I am little confused that an insurance company would refuse joint policies, esp if the parties are at the same address, as in a basic sense it is the same as insuring a corporation.
parenting and adoption rights
My opinion may raise the hackles of some on this issue, but a gay couple is not a traditional family and as such should be subject to the same screening and regulations as single people attempting to adopt. I'm not going to pretend that a hetero-sexual couple is always fit to adopt/raise a child either, but the child isn't going to face the additional peer stigmas that exist by not having a Mommy and Daddy. I believe in these issues the rights and welfare of the Child come before the rights of those willing to adopt.
foster care
See parenting and adoption rights.
hospital visitation
I am not sure what the issue is here, unless it revolves around the "family only" cases, in which case there could be some policy ammendments made to include partners.
inheritance
Make a fucking will. In Canada a court will not overturn a will unless it neglects a legal obligation (i.e. you fail to provide for a dependant). I would be surprised if it is that much different in the US...
benefits including annuities, Social Security, and Medicare
In any retirement savings plans/annuities/etc that I have participated/invested in
I specify an inheritor. If that option is not available to me, I don't invest. I'm not sure how Social Security works iin the US but is it not based on each person's contributions/income? And Medicare, although it is different in the US as well, is applied to people on an individual adult basis up here, so I don't really see an issue unless there are minor children, in which case they would fall under one parent's or the other's account.
Seriously, this seems more about political grandstanding and wasting money on frivolous court actions than real issues. I appreciate the point about marriages being a government endorsed contract and think this should be available to whomever desires it, but again, in Canada, if you live together more than I think its 6 months you are eligible to at least claim "common-law" status, which amounts to almost the same thing.
I guess this goes more by personal philosophy: If you don't fit the "system" you adapt to capitialize on it, the way(s) you need. If people are too lazy to do so, why should everyone else bear the burden for the costs involved? To me this is the real issue: we will never build perfect "systems" for dealing with all the social and economic issues, but do we really have to rebuild over every minor issue?