1. Are you seriously proposing that we go back to the day where men and women are charged different rates? Talk about a political non-starter. I doubt a single Republican female Congressman or Senator would vote for that, nor would some of the moderate Republican men. Just imagine the tweets: "Republican health plan: raise rates on women to give men a break!! #WaronWomen"
Yes, they should be charged differently. Men make much worse lifestyle choices overall than wimin. Men's premiums should be more expensive.
Anecdotally, sure, but this hasn't been seen in premiums historically.