The Affordable Care Act and Women. Ending Gender Discrimination in Premiums

03/20/2012

Today, many insurance companies in the individual market charge women higher premiums than men.  A 25-year-old woman enrolled in a health plan — one that does not cover maternity care — may pay as much as 81 percent more than a 25-year-old man enrolled in the same plan.13  Similarly, a 40-year-old non-smoking woman pays up to 57 percent more than a 40-year-old male smoker in the same plan.  Beginning in 2014 insurance companies in the individual and small-group health insurance market may no longer charge higher rates due to gender or health status.  Premiums can vary based on age, tobacco use, family size and geographic location, within limits set by the Affordable Care Act.

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