Charging Men More for Car Insurance vs. Women More for Health Insurance (Survey Results)

1. Overview

This is an informal survey-based study on people’s views of gender-based pricing in insurance. Two-hundred-and-one Americans, balanced for gender (men and women) and party affiliation (Republican and Democrat, although my interest isn’t party politics itself so much as the broader “Red Tribe” and “Blue Tribe” cultures in the United States that differ in politics, religion, gender roles, geography, urbanization, etc.), indicated their approval level (on a 1–7 scale) of one of the two following policy statements:

  1. Insurance companies should be allowed to charge women more for health insurance, if they find that women on average access health services more often.
  2. Insurance companies should be allowed to charge men more for car insurance, if they find that men on average get in car accidents more often.

This survey asks about car insurance for men and health insurance for women because those forms of gender-based pricing have received attention in the media (e.g., “Alberta man changes gender on government IDs for cheaper car insurance” from CBC and “Why Republicans Want to Make Women Pay More Than Men for Health Insurance” from NYMag), making these the most realistic or familiar scenarios.


Results indicate greater approval for charging men more for car insurance than for charging women more for health insurance. Respondent gender and party affiliation were relevant—women exhibited a larger difference than men in approval ratings, and the “Blue Tribe” (Democrats) had a larger difference than the “Red Tribe” (Republicans).

Some might question whether car insurance and health insurance are comparable. I think they are comparable, although there are obviously some differences. Health insurance is more essential, although car insurance is not far behind in the notoriously car-dependent United States (77% of Americans drive to work, not counting carpools). Health insurance is also more expensive to buy, but more likely to be provided by someone else (a majority of Americans have coverage through their employer, Medicare, or Medicaid). I don’t see these details giving an obvious justification for why gender pricing would be acceptable in one type of insurance and not the other, but that’s an open possibility.

2. Main findings

The overall average approval rating for gender-based pricing in insurance was 3.3 out of 7 (SD = 2.1). The average for charging men more for car insurance was 3.8, compared to 2.8 for charging women more for health insurance. This is a difference of 1 point or about half a standard deviation (Cohen’s d = 0.49), and is statistically significant (see section 3).

Figure 1

Both gender and party of respondent had a significant effect on the difference in ratings between scenarios. Men exhibited a smaller difference in their approval ratings than women did, and Republicans exhibited a smaller difference than Democrats. As a result of the effects of party and gender, Democrat women exhibit numerically the largest disparity (2.5 points) and Republican men the smallest (0.3 points in the other direction), with Democrat men (1.2) and Republican women (1.1) in the middle.

Figure 2

3. Additional details

The 201 participants were recruited from an online research platform and paid a small sum to complete the survey, which took under a minute (and included one other policy question). Respondents were assigned to the question about health insurance or car insurance based on identifying whether the last digit in their day of birth was an even number or an odd number, which divided them approximately in half.

Table 1: Question answered, by gender and party affiliation

Total respondentsAnswered question on men & car insuranceAnswered question on women & health insurance
Republican men502327
Republican women502822
Democrat men502525
Democrat women512823

Having participants answer one question, but not both, has the advantage that seeing one question doesn’t influence their answer to the second question, but the disadvantage of lower statistical power. Respondents also provided their ages, which I’ve summarized below. Republicans were a bit older than Democrats.

Table 2: Age of sample, by gender and party affiliation

MenWomen
Democrat28.029.3
Republican34.039.7

Statistical analysis was done using a linear regression (lm in R). The response variable was the 1–7 rating of acceptability; the predictor variables were scenario (men on car insurance, women on health insurance), gender of the respondent (man, woman), and party affiliation of the respondent (Republican or Democrat).

The ANOVA table of the output is provided below. The most relevant results are the significant main effect of scenario (charging men more for car insurance was rated as more acceptable than charging women more for health insurance) and the significant scenario:gender and scenario:party interactions (both party and gender affect the disparity in ratings, as explained above). The non-significant scenario:gender:party interaction is also relevant; it means that the disparity exhibited by each party + gender combination is predicted by the separate effects of party and gender. In other words, the scenario ratings difference of Democrat women is largely predicted by the separate effects of “Democrat” and “woman” rather than something special about Democrat women (and similarly for Republican women, Republican men, and Democrat men).

Analysis of Variance Table

Response: insuranceresp
                       Df Sum Sq Mean Sq F value    Pr(>F)    
scenario                1  52.43  52.432 15.0413 0.0001442 ***
gender                  1  45.14  45.144 12.9504 0.0004065 ***
party                   1  48.27  48.273 13.8481 0.0002599 ***
scenario:gender         1  23.43  23.434  6.7226 0.0102488 *  
scenario:party          1  30.44  30.441  8.7325 0.0035152 ** 
gender:party            1  28.59  28.593  8.2026 0.0046460 ** 
scenario:gender:party   1   0.21   0.215  0.0617 0.8041652    
Residuals             193 672.78   3.486                      
---
Signif. codes:  0 ‘***’ 0.001 ‘**’ 0.01 ‘*’ 0.05 ‘.’ 0.1 ‘ ’ 1

A complete table of the results is provided below, with effect sizes (Cohen’s d, the effect size measured in standard deviations, calculated using the effsize package in R).

Table 3: Full results

Charge men more
Charge women moreDifferenceCohen’s d
Full sample (n = 201)3.842.811.030.49
Men (n = 100)3.983.600.380.18
Women (n = 101)3.711.911.801.02
Republicans (n = 100)3.943.710.230.10
Democrats (n = 101)3.741.901.841.12
Republican men (n = 50)4.484.81-0.330.17
Republican women (n = 50)3.502.361.240.54
Democrat men (n = 50)2.522.281.140.68
Democrat women (n = 51)3.931.482.451.85
Advertisements

Comprehensive Research on Discrimination Against Men in Finland

This is a chapter-by-chapter summary of Discrimination Against Men: Appearance and Causes in the Context of a Modern Welfare State, a 2009 doctoral dissertation by Pasi Malmi (University of Lapland) that provides an impressively detailed and balanced investigation of discrimination against men in Finland (the theory and results actually give almost as much detail on discrimination against women, although men will be the focus here).

Chapters 5 to 8 are the most important. Chapter 5 explains six biases that cause gender discrimination, chapter 6 delineates the patriarchal and matriarchal subsystems of Finnish society, chapter 7 examines the various discourses that justify discrimination against men, and chapter 8 analyzes a database of gender discrimination complaints made to the Finnish gender equality ombudsman, a third of which were made by men.

Continue reading “Comprehensive Research on Discrimination Against Men in Finland”

Men Live 79% as Many Years in Retirement as Women

The average man lives significantly fewer years in retirement than the average woman. This happens because men have a lower life expectancy than women in practically every country in the world, and because the age of retirement is higher for men than women in some countries (counter-intuitively, given the life expectancy gap).

Continue reading “Men Live 79% as Many Years in Retirement as Women”

“The Future is Female”: The Bleak Outlook for Male Employment and Education

There are disturbing trends of male underachievement in employment and education that, if left to continue, will leave men in a very bad place. Economist Larry Summers estimates that by 2050, more than 1 in 3 men aged 25-54 will be out of work in America (compared to 1 in 10 in the 1970s). The BBC reports that current trends in Britain suggest that a girl born in 2016 will be 75% more likely to go to university than a boy. Hillary Clinton might just be right when she said that “the future is female”.

Continue reading ““The Future is Female”: The Bleak Outlook for Male Employment and Education”

Justice System Discrimination and the Myth That Sexism Against Men Isn’t “Institutional”

The typical method of dismissing sexism against men is to say it isn’t “institutional”. This usually means claiming that prejudice and discrimination against men occur as isolated events by individuals, without backing of institutional power, and with limited ability to do harm. A clear counterexample is that the criminal justice system is more severe on men than on women in numerous ways, including likelihood of arrest, chance of pretrial detention, bail amount, and chance and length of jail-time. And many are calling for even more special concern and treatment for women in the justice system.

Continue reading “Justice System Discrimination and the Myth That Sexism Against Men Isn’t “Institutional””

Men’s Lives Matter Less? “Among the Dead Were Women and Children”

News organizations and human rights groups reporting on tragic events commonly single out the victimization of certain groups (based on gender, nationality, religion, age, etc.) as especially noteworthy. Sometimes this is based on the circumstances of the incident, like if a group is disproportionately targeted or affected (“Gunmen shot dead 11 people, mostly Christians, in central Syria on Saturday”). Other times it is based on properties of the group, such as if they’re more relatable to the audience (“At least 2 Americans among the dead in Nice, France attack” in an American outlet).

Singling out “women and children” is especially common in this reporting. Sometimes it happens when they’re disproportionately affected (“Dozens killed in Aleppo; mostly women and children among the dead”), but even when men are disproportionately affected—which is very often—it’s still generally “women and children” whose victimization is singled out. I consider this an example of male disposability and finding the suffering/death of men less distressing than that of women (and children).

Continue reading “Men’s Lives Matter Less? “Among the Dead Were Women and Children””

Paternity Fraud as a Violation of Men’s Reproductive Rights?

Men’s and women’s reproductive systems are different, and so a full discussion of reproductive rights needs to take into account each gender’s unique concerns. Being the ones to carry the child gives women unique concerns involving the physical/medical consequences of pregnancy, but not being the ones to carry the child gives men unique concerns as well, namely paternal uncertainty—men are at a natural disadvantage when it comes to knowing if the child is theirs. This page looks into how big of a problem this is, and what we can do to address this unique reproductive concern for men.

Continue reading “Paternity Fraud as a Violation of Men’s Reproductive Rights?”

Defining, Demonstrating, and Understanding Male Disposability

Male disposability is our society’s tendency to have less concern for the safety and well-being of men than of women. The concept is central to many men’s advocates’ critiques of society similarly to how women’s traditional lack of access to power (and their current lower levels of direct participation in it) is central to most feminist critiques of society.

(Cet article est également disponible en français.)

Continue reading “Defining, Demonstrating, and Understanding Male Disposability”