Women have a lot at stake in the debate over health care reform. Some seven in ten women are either uninsured or underinsured, and more than half report forgoing care or preventive visits because they can’t afford it. Meanwhile, insurance companies can charge women more for coverage, and can exclude them from plans because of “pre-existing conditions” like pregnancy or being victims of domestic abuse. Finally, women facing cancer or other serious illnesses are far more likely to suffer financial collapse when faced with benefit caps and high out-of-pocket spending limits.
This state of affairs is unacceptable and achieving affordable, comprehensive and accessible care for all Americans should be the goal of any final health reform bill. Both the House and Senate bills would end gender rating (the practice of charging higher premiums for women) in the individual and small business markets. Both bills also would end the practice of denying coverage because of pre-existing conditions and would set minimum benefit standards that ensure access to primary care and preventive services. Finally, the two versions both cap out-of-pocket spending and get rid of lifetime or annual benefit limits.
Yet, despite these important initiatives, controversy over women’s health issues remains strong in the reform debate—even among Democrats and traditional women’s advocates.