Purchasing health insurance is a big and oftentimes financially burdening decision to make. With the current state of the economy, individuals are finding it harder and harder to purchase affordable health insurance lines. Women, in particular, need to pay close attention when shopping around for health insurance, as rates are much higher for females than males.

There are ten states that have already banned the use of gender in the determining factors for health insurance rates, but there are still forty state that haven’t implemented a ban. Because men, usually no matter what age, visit doctors on an infrequent basis, they generally have lower health insurance rates. Women are a lot more likely to have routine or annual exams with their doctors and more likely to visit a doctor when they’re sick/ill. Race has already been banned as a trait to determine health insurance rates, and the states of Maine, Massachusetts, Minnesota, Montana, New Hampshire, New York, North Dakota, Oregon, and Washington have already banned gender from being used as a determining trait as well.

Women in Oklahoma should pay particular attention to their health insurance policies, as there is no ban on using gender as a factor in health insurance rates. Phillips & Associates Insurance understands that in this economy, you need to save money wherever possible. We work hard to develop insurance lines that best suit your needs and budget, no matter who you are. Please contact us by visiting our virtual insurance agency at www.phillipsinsurance.us or calling us toll free at 800.763.0562.