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California bill would ban gender-based LTCI pricing

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A California state lawmaker is trying to stop the shift to gender-based pricing in the long-term care insurance (LTCI) market.

Assembly Member Mariko Yamada, D-Davis, Calif., has introduced Assembly Bill 1553, a bill that would prohibit gender-based LTCI pricing.

The bill would define LTCI to include a wide range of products, including coverage for nursing home care, personal home care, hospice services or adult care.

The bill also could apply to disability-based long-term care (LTC) policies, but not to major medical coverage or Medicare supplement insurance.

Under the bill, the issuer of an LTCI policy issued, amended or renewed after Jan. 1, 2015, could not charge a “different premium, price, or charge based on the sex of the contracting party, potential contracting party, or a person reasonably expected to benefit from the policy.”

“The term ‘sex’ would be defined for these purposes to mean a person’s gender, gender identity and gender expression, as defined,” according to the bill text.

The term “gender expression” would refer to a “person’s gender-related appearance and behavior, whether or not stereotypically associated with the person’s assigned sex at birth.”

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