(1) Your age
(2) Where you live
(3) The number of people enrolling with you (e.g. a spouse or child)
Right now, health insurers can charge more based on gender when signing up for an individual or small group employee plan. For example, some health insurers may charge women more than men for coverage to cover costs related to womens health, such as pregnancy and child birth. This is known as gender rating. But beginning in 2014 that will change. Health insurers will not be able to charge more based on your gender.
Since 2010, health plans could not limit or deny benefits for those YOUNGER than 19 with a pre-existing condition. Starting in 2014, this part of the health care reform law will also apply to people 19 and older. This means health insurers cannot refuse to cover you or renew your plan because you have (or had) cancer, asthma, high blood pressure, arthritis or another health problem.
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