united-states health-insurance
Health insurance just for a particular gender?
<p>Can a company provide health insurance just for a particular gender? For example by giving different premiums for different genders. I think they can give different premiums for different age groups.</p>

<p>Is this legal in USA? I am leaving aside arguments about who is a man and who is a woman.</p>

<p>This is a hypothetical question. I was thinking since different genders have different health needs may be some can benefit from low premium.</p>

<p>From healthcare.gov:</p>
<blockquote>
<p><strong>How premiums are set</strong></p>
<p>Under the health care law, insurance companies can account for only 5
things when setting premiums.</p>
<p>Age: Premiums can be up to 3 times higher for older people than for
younger ones.</p>
<p>Location: Where you live has a big effect on your
premiums. Differences in competition, state and local rules, and cost
of living account for this.</p>
<p>Tobacco use: Insurers can charge tobacco
users up to 50% more than those who don’t use tobacco.</p>
<p>Individual vs.
family enrollment: Insurers can charge more for a plan that also
covers a spouse and/or dependents.</p>
<p>Plan category: There are five plan
categories – Bronze, Silver, Gold, Platinum, and catastrophic. The
categories are based on how you and the plan share costs. Bronze plans
usually have lower monthly premiums and higher out-of-pocket costs
when you get care. Platinum plans usually have the highest premiums
and lowest out-of-pocket costs.</p>
<p><strong>Factors that can’t affect premiums</strong></p>
<p>Insurance companies can’t charge women and men different prices for
the same plan.</p>
<p>They also can’t take your current health or medical
history into account. All health plans must cover treatment for
pre-existing conditions from the day coverage starts.</p>
</blockquote>
<p><a href="https://www.healthcare.gov/how-plans-set-your-premiums/" rel="noreferrer">https://www.healthcare.gov/how-plans-set-your-premiums/</a></p>
