Senate Passes Bill Banning Gender Discrimination in Health Premiums

Wednesday, April 04, 2018
GoLocalProv Political Team

Senator V. Susan Sosnowski
The Senate passed a bill that would ban health insurers from using the discriminatory practice known as gender rating, or routinely charging women and men different premiums for individual insurance.

The bill, which was introduced by Senator V. Susan Sosnowski, now heads to the House of Representatives.

“Women face unconscionable disparities when buying health insurance in the individual market. Women sometimes are charged 10 percent to 25 percent to 50 percent more than men for insurance providing identical coverage, especially during the age bracket associated with child-bearing years,” said Sosnowski.

The Legislation

This legislation would prohibit insurance companies from varying the premium rates charged for a health coverage plan based on the gender of the individual policyholder, enrollee, subscriber, or member. 

Research from a 2012 National Women’s Law Center report entitled, “Turning to Fairness: Insurance Discrimination Against Women Today and the Affordable Care Act,” states that 92 percent of best-selling plans charge women more for health insurance coverage than men in states without laws banning gender rating.

Only 3 percent of these plans cover maternity services. It also states that the practice of gender rating costs women approximately $1 billion per year, based on an average of 2012 advertised premiums and the most recent data on the number of women in the individual health insurance market.

Excluding maternity coverage, the report further says that nearly one-third of plans examined charge 25- to 40-year-old women at least 30 percent more than men for the same coverage. In some cases, the difference is even greater.

  • Sponsor: GoLocalProv

    Sample: N=403

    Rhode Island General Election Voters Margin of Error: +/- 4.9% at 95% Confidence Level

    Interviewing Period: October 9-11, 2017

    Mode: Landline (61%) and Mobile (39%)

    Telephone Directed by: John Della Volpe, SocialSphere, Inc.

     
  • Are you registered to vote at this address?

    Yes: 100%

     
  • When it comes to voting, do you consider yourself to be affiliated with the Democratic Party, the Republican Party, Moderate, or Unaffiliated with a major party?

    Unaffiliated: 49%

    Democrat: 32%

    Republican: 15%

    Moderate: .4%

     
  • Next year, in November of 2018, there will be a statewide general election for Governor and many other state offices. How likely is it that you will vote in this election?

    Will you definitely be voting, will you probably be voting, are you 50-50...

    Definitely be voting: 78%

    Probably be voting: 13%

    50-50: 9%

     
  • In general, would you say things in Rhode Island are headed in the right direction or are they off on the wrong track?

    Right track: 39%

    Wrong track: 45%

    Mixed: 10%

    Don't know/Refused: .6%

     
  • What would you say is the number one problem facing Rhode Island that you would like the Governor to address?

    Jobs and economy:  21%

    Education: 12%

    Taxes: 12%

    Roads: 12%

    State budget: 9%

    Corruption/Public integrity: .8%

    Healthcare: 3%

    Governor: 3%

    Homelessness: 2%

    Immigration: 2%

    Other: 7%

    Don’t know: .9%

     
  • Over the past three years or so, would you say the economy in Rhode Island has improved, gotten worse, or not changed at all?

    Changed for the better: 35%

    Changed for the worse: 16%

    Not changed at all: 43%

    Don't know/Refused: 5%

     
  • Over the same time, has your family's financial situation improved, gotten worse, or not changed at all?

    Changed for the better: 26%

    Changed for the worse: 19%

    Not changed at all: 54%

    Don't know/Refused: 1%

     
  • Recently, a proposal has been made to permit the issuance of $81 million in bonds by the State to build a new stadium for the Pawtucket Red Sox. If there was an election today on this issue, would you vote to approve or reject issuing $81 million in financing supported moral obligation bonds to build the stadium?

    Net: Approve: 28%

    Definitely approve: 15%

    Probably approve: 14%

    Net: Reject: 67%

    Probably reject: 19%

    Definitely reject: 48%

    Don't know: 4%

     
  • Could you please tell me your age?

    18-24: 7%

    25-34: 15%

    35-44: 15%

    45-54: 20%

    55-64: 17%

    65+: 25%

    Don't know/refused: 1%

     
  • What was the last grade you completed in school?

    0-11: 2%

    High school grad: 16%

    Technical/Vocational school: 1%

    Some college: 23%

    College grad: 34%

    Graduate degree: 24%

    Don't know/refused: 1%

     
  • The next question is about the total income of YOUR HOUSEHOLD for the PAST 12 MONTHS. Please include your income PLUS the income of all members living in your household (including cohabiting partners and armed forces members living at home).

    $50,000 or less: 27%

    More $50,000 but less than $75,000: 13%

    More $75,000 but less than $100,000: 13%

    More $100,000 but less than $150,000: 17%

    $150,000 or more: 13%

    Don't know/refused: 17%

     
  • What particular ethnic group or nationality - such as English, French, Italian, Irish, Latino, Jewish, African American, and so forth - do you consider yourself a part of or feel closest to?

    American/None: 21%

    English: 13%

    Italian: 13%

    Irish: 12%

    Black or African American: 6%

    Latino/Hispanic: 6%

    French: 6%

    Portuguese: 3%

    Jewish: 3%

    German: 1%

     
  • Would you say that Donald Trump has done an excellent good, fair or poor job as President?


    Excellent: 13%
    Good: 12%
    Fair: 14%
    Poor: 57%
    Never heard of:  0%
    Cannot rate: 3%

     
  • Would you say that Jack Reed has done an excellent good, fair or poor job as a United States Senator?

    Excellent: 22%
    Good: 29%
    Fair: 23%
    Poor: 15%
    Never heard of: 6%
    Cannot rate: 6%

     
  • Would you say that Sheldon Whitehouse has done an excellent good, fair or poor job as a United States Senator?

    Excellent: 17%
    Good: 22%
    Fair: 21%
    Poor: 28%
    Never heard of: 6%
    Cannot rate: 7%

     
  • Would you say that David Cicilline has done an excellent good, fair or poor job as a Member of Congress?

    Excellent: 9%
    Good: 29%
    Fair: 21%
    Poor: 27%
    Never heard of: 6%
    Cannot rate:  8%

     
  • Would you say that James Langevin has done an excellent good, fair or poor job as a Member of Congress?

    Excellent: 7%
    Good: 30%
    Fair: 20%
    Poor: 18%
    Never heard of: 13%
    Cannot rate: 11%

     
  • Would you say that Gina Raimondo has done an excellent good, fair or poor job as Governor?

    Excellent: 6%
    Good: 28%
    Fair: 30%
    Poor: 31%
    Never heard of: 1%
    Cannot rate: 3%

     
  • Would you say that Daniel McKee has done an excellent good, fair or poor job as Lieutenant Governor?


    Excellent: 3%
    Good: 16%
    Fair: 21%
    Poor: 8%
    Never heard of: 26%
    Cannot rate: 25%

     
  • Would you say that Peter Kilmartin has done an excellent good, fair or poor job as Attorney General?


    Excellent: 3%
    Good: 20%
    Fair: 28%
    Poor: 17%
    Never heard of: 13%
    Cannot rate: 19%

     
  • Would you say that Seth Magaziner has done an excellent good, fair or poor job as General Treasurer?

    Excellent: 4%
    Good: 18%
    Fair: 24%
    Poor: 13%
    Never heard of: 21%
    Cannot rate: 21%

     
  • Would you say that Nellie Gorbea has done an excellent good, fair or poor job as Secretary of State?

    Excellent: 5%
    Good: 21%
    Fair: 21%
    Poor: 10%
    Never heard of: 20%
    Cannot rate: 23%

     
Delivered Free Every
Day to Your Inbox