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Fri Apr 6, 2012, 08:33 PM

How much more do women pay for health insurance?

14 replies, 1697 views

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Arrow 14 replies Author Time Post
Reply How much more do women pay for health insurance? (Original post)
one_voice Apr 2012 OP
lumberjack_jeff Apr 2012 #1
spooky3 Apr 2012 #2
lumberjack_jeff Apr 2012 #3
Travis_0004 Apr 2012 #4
bigapple Apr 2012 #5
one_voice Apr 2012 #6
lumberjack_jeff Apr 2012 #7
bigapple Apr 2012 #8
one_voice Apr 2012 #9
lumberjack_jeff Apr 2012 #10
bigapple Apr 2012 #11
lumberjack_jeff Apr 2012 #13
Walk away Apr 2012 #12
timesup Apr 2012 #14

Response to one_voice (Original post)

Fri Apr 6, 2012, 08:46 PM

1. How much more will men pay after HCR?

Funny that no one asks the question.

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Response to lumberjack_jeff (Reply #1)

Fri Apr 6, 2012, 08:47 PM

2. is that because the answer is zero?

isn't that the definition of non-discrimination based on gender in health insurance premiums?

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Response to spooky3 (Reply #2)

Fri Apr 6, 2012, 09:04 PM

3. Women used to pay more for their insurance because 35% more is spent on their behalf.

Everything else being equal, men should expect their insurance to go up 18% because of HCR.

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Response to spooky3 (Reply #2)

Fri Apr 6, 2012, 09:06 PM

4. No, if men and woman pay the same, that amount would probably be an average of the two rates

Women's rates would probably go down, and mens rates would go up.

I'm fine with women and men paying the same for healthcare, but I demand to pay the same rate as a woman for auto insurance as well.

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Response to one_voice (Original post)

Fri Apr 6, 2012, 09:09 PM

5. the flip side of the question is

 

how much more do women cost in terms of health care consumed?

Just one pregnancy can cost nearly $10k.

By preventing gender discrimination, men are effectively subsidizing women's health care.

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Response to bigapple (Reply #5)

Fri Apr 6, 2012, 09:14 PM

6. How about when a woman..

get pregnant, the father gets hit for half the cost. Just do a COB. It takes two people to get pregnant, two people can pay the cost.




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Response to one_voice (Reply #6)

Fri Apr 6, 2012, 09:18 PM

7. It isn't pregnancy which accounts for the 35% difference.

40% of those costs are incurred after her husband is dead.

http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1361028/

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Response to lumberjack_jeff (Reply #7)

Fri Apr 6, 2012, 09:24 PM

8. logically what happens

 

is that men's premiums go up while women's premiums come down (or don't increase as fast as they would have).

More men would then choose to self-insure given that they are paying more in premiums for the same expected health cost incurred. That means over time women end up being a larger and larger proportion of the pool which leads to an increase in premiums which continues to drives men away.

Alternatively, if insurance companies are not allowed to discriminate by gender, they would focus on attracting male customers (or male-dominated companies).

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Response to lumberjack_jeff (Reply #7)

Fri Apr 6, 2012, 09:24 PM

9. So because women have a longer life span their insurance is more?

Is that what that link is saying? There's a lot of info there.

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Response to one_voice (Reply #9)

Fri Apr 6, 2012, 09:46 PM

10. Yes. Women have a greater lifetime cost of care partly because of their longer lives.

Their insurance is therefore more expensive.

In general, since the average woman costs $361,000 during her lifetime, that's about $4500 a year. The average man costs $268,000 during his lifetime, about $3570 a year.

So in gross generalities, HCR should cost the average man about $530 annually in costs shifted onto him.

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Response to lumberjack_jeff (Reply #10)

Fri Apr 6, 2012, 09:53 PM

11. just curious

 

why all the people pushing for gender equality in health insurance neglected to do the same for car insurance

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Response to bigapple (Reply #11)

Fri Apr 6, 2012, 11:57 PM

13. It's all part of the big patriarchal conspiracy. n/t

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Response to one_voice (Original post)

Fri Apr 6, 2012, 10:24 PM

12. N.J. is listed as no difference. That's not true.

I have the charts for BCBSNJ and women pay more than men during child bearing years. As women approach menopause their premiums go down and at those same ages men's start to go up.

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Response to one_voice (Original post)

Sat Apr 7, 2012, 12:06 AM

14. I happen to love my fellow humans!

I sum it up pretty well I think with the following:
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I think it's pathetic that it's even a topic of discussion .
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Republicans in our congress are treasonous assholes, and I hereby call them out.
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It's ridiculous what they are sneaking around doing at the states level, too!
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I look forward to them all getting fired, very soon!

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