Health insurers cannot charge more based on your gender when you sign up for an individual or small group employee plan. For example, in the past women may have been charged more than men for coverage to cover costs related to women's health, such as pregnancy and child birth. This is known as "gender rating".
How it impacts you
You don’t pay more for coverage if you're a woman.
Will my plan include coverage for having a baby?
Yes. As of 2014, health plans for individuals and small employers must offer "essential health benefits". This includes maternity and newborn care.