A better, more equitable solution would be for both men and women to pay for more noncatastrophic health expenditures outside an insurance plan. This is the only way to ensure that individuals - not pools of people - pay for what they consume. But given our current environment that encourages third-party payment, gender-based pricing is a tool that should be available to insurers. If our premiums don't reflect our risk, our claims or our costs, then some people will be overcharged and others undercharged. The overcharged parties will underinsure, and the undercharged parties will overinsure, perpetuating the problems in our current system.