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Gender Rating

By: Marjahn Golban From the New York Times Article "Overhaul Will Lower the Cost of Being a Woman" on March 29th, 2010

Jane Golban

on 15 April 2010

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Transcript of Gender Rating

Gender as a Pre-Exisisting Condition? By: Marjahn Golban "Gender Rating"
Assumption that women use healthcare more
Mostly affects individual policies
Differences in Premiums range from 4 to 49% Affects on Business

Business also affected
Small to mid-sized companies
Greater number of female employees
Anti-discrimination law

Can't offer health benefits Risk of Adverse Selection
Kentucky banned gender rating in 1994 but reversed the decision in 1998 Health Care Bill
“Except as otherwise provided for in this title (or an amendment made by this title), an individual shall not, on the ground prohibited under Title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.), Title IX of the Education Amendments of 1972 (20 U.S.C. 1681 et seq.), the Age Discrimination Act of 1975 (42 U.S.C. 6101 et seq.), or Section 504 of the Rehabilitation Act of 1973 (29 U.S.C. 794), be excluded from participation in, be denied the benefits of, or be subjected to discrimination under, any health program or activity, any part of which is receiving federal financial assistance, including credits, subsidies, or contracts of insurance, or under any program or activity that is administered by an executive agency or any entity established under this title (or amendments).”
-Sec. 1557 on page 368 of the 2,074-page bill
What it really says: No organization receiving federal funding can deny health coverage based on race, gender, age or ability From New York Times Article on March 29, 2010
“Overhaul Will Lower the Cost of Being a Woman”
Full transcript