Men's Group

being very familiar with risk analysis and experience rating, I agree that women's health costs more. Maybe.

Men are more accident prone, which is not cheap, and have more cancers and long-term disabilities. Also not cheap.

But, even if we were to come up with a more exact risk analysis, there is a more important point-- regardless of the small (and they are small) differences in overall costs between men and women (excluding maternity, and health insurance already charges extra for maternity) who cares?

Group and family plans don't always go into this detail, and what we're aiming for is one humongous group plan-- everyone.

Women do go to the doctor more and therefore have more things taken care of earlier, costing more. But is this good? Don't we want men to see the doctor and maintain their health, maybe living as long or longer than women?

End of life care for both is ridiculously expensive and will have to be dealt with. Another 30 million of us looking at our 70s and 80s mean really big bucks unless we find a way to lighten the load. Preferably without just killing us all off. It makes no difference splitting gender hairs here.

Rather than pointing fingers at who piles up the bills, spend the time finding out ways to get us all more efficient care.

The author is an economic troll.