Excerpt: Insurers say women under the age of 55 cost more to cover because they use more health services, and not just for maternal and infant care. But Bettinazzi, the president and CEO of Visiting Nurse Association of Indiana County, believes there's something inherently wrong in charging her company more because it hires a lot of women. 'There's a great sense of unfairness,' Bettinazzi says. 'I feel angry, and maybe betrayed would be a good word.' Gender rating is the norm today, part of a complex formula of risk factors - including health history and age -- insurers say has been necessary to fairly price policies. But advocacy groups for women argue that charging more for women than men is discriminatory and should be illegal. The battle is playing out on Capitol Hill through the debate on health overhaul legislation.

MORE >>