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[...]... for theindividualmarket Some plans would reduce the need for theindividual market, others would reform theindividual market, while others still would simply increase reliance on theindividualmarket as a place for people to buy insurance without any changes in the way themarket currently operates It is imperative that any health reform proposal that relies on theindividualmarket address the. .. challenges that women face Failure to do so will leave too many women either uninsured or with unaffordable coverage that does not meet their needs— and with nowhereto turn Nowhereto Turn 19 Report Methodology To learn more about the experiences of women seeking coverage in theindividualinsurance market, between July and September 2008, NWLC gathered and analyzed information on individualhealth insurance. .. essential for thehealth of mothers and their children—it should not be a luxury to which only some women have access 4 Additional Challenges Women Face in theIndividualMarket a Health Status Rating It is common for insurers in the individual healthinsurancemarketto charge higher premiums to applicants with health conditions that might increase the chance that they will need care Health status rating is... Oregon,Vermont,Virginia, Washington, and West Virginia Nowhereto Turn 25 Appendix 1 Percent Difference in Premiums Charged toWomen versus Men (the ‘Gender Gap’) for Health Plans in the Individual InsuranceMarket (two similar sets of plans called Plan A and Plan B) The ‘gender gap’ reflects the difference between premiums charged to same-aged women and men for the same individualinsurancemarket plans sold in their state’s... based on age and health history > Recommendation 1: Policymakers should eliminate or reduce the need for theindividualmarketTheindividualmarket is deeply flawed Even in the states that have taken incremental action to address its many challenges, this market remains an expensive, difficult way for womento obtain health coverage Rather than advocating an expansion of theindividual market, proposals... on Health History Although the federal law known as “HIPAA,” theHealthInsurance Portability and Accountability Act, requires individual insurers to issue policies to certain people leaving group health plans and seeking coverage in the individual market, far too many people who apply for individualinsurance coverage are not eligible for these protections.89 Unless state laws provide otherwise, insurance. .. picture of theindividualmarket across the country, and because it is the most readily available tool for individuals seeking private insurance who do not wish, or cannot afford, to employ the services of an insurance agent 20 National Women s Law Center Endnotes 1 This source is eHealthInsurance, available at http://www.ehealthinsurance.com/ Notably, eHealthInsurance may not represent all insurance. .. than a male employee for the same health coverage The same principle should apply totheindividual market; individualinsurance providers should not charge a higher premium based on a generalization about women as a class that is not necessarily applicable totheindividual woman being insured Recent trends also suggest the need to eliminate gender rating in the individual marketto avoid erosion of important... Dep’t of Insurance, Consumers: IndividualHealthInsurance Underwriting/AB 356, available at http://www .insurance. ca.gov/0100consumers/0070 -health- issues/ind -health- insurance- underwriting-ab-356.cfm (last visited Sept 18, 2008) (“When you apply for individualhealth insurance, thehealthinsurance company uses a process called underwriting to look at your age, sex, and health history to decide whether... de facto benefit discrimination when compared to their male counterparts Further, given the prevalence of gender rating, proposals to provide a set amount of a tax credit to purchase healthinsurance on the individual market will be less valuable towomen than men.35 An equal tax credit for women and men would ultimately result in unequal and less adequate coverage for women Regardless of theinsurance . premiums in the
individual health insurance market
States Protecting Against the Use of Gender to Set Premiums in the
Individual Health Insurance Market
Nowhere. the individual market, where
there are no groups to spread medical risk or costs. In the individual market, individuals are on their own
to try to buy health