Women need health reform that works for us. Insurance practices that discriminate against women must end. Join the fight for affordable, accessible, comprehensive care that covers reproductive health, including abortion care.
Tell Congress to pass health care legislation that meets the needs of women and our families.
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Thank you for telling Congress that being a woman is not a pre-existing condition. With your help, we’re determined to make affordable, accessible and comprehensive health care a reality for all women this year.
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Insurers in most states can consider gender when setting premiums. Because of this “gender rating,” women are often charged more than men for the exact same coverage.
In eight states and D.C., it is still legal for insurers to reject a woman’s health insurance application if she is a survivor of domestic violence.
If a woman has previously had a Caesarean section, insurers may refuse to pay for future C-sections or reject her application altogether.
Women spend a greater percentage of their income on health care. (On average, women earn less than men and also use the health care system more due in part to their reproductive health needs.)
Women are more likely than men to have problems paying medical bills – even if they have insurance.
Women are more likely than men underinsured – that is, have health insurance that still leaves them at great financial risk.
Women need coverage for a full range of reproductive health services, but many plans do not cover these services.
Women are more likely to use several health care services (such as prescription drugs and mental health care) that many health plans limit or exclude altogether.
It is very difficult and sometimes impossible for women to find coverage for maternity care in the individual health insurance market.
The health care reforms we need
All Americans deserve affordable, accessible and comprehensive health care.
Coverage must not be denied due to pre-existing conditions.
People must not be charged more because of their gender, age or health status.
Insurers must not refuse to cover treatment for certain conditions or revoke the existing policies of customers who have been paying premiums for years.
Government must play a strong watchdog role to ensure that the reforms are enforced.
Health coverage must be affordable, relative to income.
Affordability should be based on all the costs of a woman’s health care, including insurance premiums and out-of-pocket costs like deductibles and co-payments.
There should be adequate sliding scale subsidies for people who are ineligible for programs like Medicaid but who can’t afford the total cost of their health coverage.
Health insurance must cover the services that women need to stay healthy and to treat physical and mental illnesses at all stages of life.
Reforms should set a standard for benefits that requires coverage for all necessary care, including preventive care and a full range of reproductive health services.
The National Women’s Law Center’s new report, Still Nowhere to Turn: Insurance Companies Treat Women Like a Pre-Existing Condition, provides sobering new data about the inequities that women face in health insurance.
Our mission is to protect and advance the progress of women and girls at work, in school, and in virtually every aspect of their lives
Since 1972, the Center has expanded the possibilities for women and girls in this country. The Center uses the law in all its forms:getting new laws on the books and enforced; litigating ground-breaking cases in state and federal courts all the way to the Supreme Court; and educating the public about ways to make the law and public policies work for women and their families. An experienced staff of nearly 60 takes on the issues that cut to the core of women's and girl's lives in education, employment, family economic security, and health -- with special attention given to the needs of low-income women and their families.
To learn more about how we help women, please visit our site.
The National Women’s Law Center’s new report, Still Nowhere to Turn: Insurance Companies Treat Women Like a Pre-Existing Condition, provides sobering new data about the inequities that women face in health insurance.