Why Are Women Charged More For Health Insurance? 
Under the new Affordable Care Act , individuals are not charged gender-specific rates . Your age and location -LRB- e.g. zip code -RRB- can still affect what health plans and premiums are available for your program . The health insurance system that was in place prior to the Affordable Care Act generally charged more for women than men because women would typically use healthcare services much more often than men . 