Why Are Women Charged More For Health Insurance? 
Insurance is sharing risk . If you drive a Corvette and I drive a Honda Fit , would you think that it was fair for both to be charged the same premium ? The same is true for any segmentation that takes place . You dont think that it is fair for women to be charged more than men for health insurance . Insurance company records show that it costs more to treat women than men , so like the Corvette , their premium should be higher . In todays environment health coverage is becoming an entitlement . The dialog shifts from demonstrating meaningful segments to politically defined segments . Insurance companies are told what factors they can use to base their rates . Perhaps in the near future women and men will pay the same premiums . 