Health care for women often is more expensive than health care for men because of three major differences. State health insurance law can help make it more affordably by offering certain tests and such free, but that will vary by state.

One of the main reasons that health care for women is more expensive is because women have reproductive organs. They are the ones to go through puberty the hardest, deal with different birth control avenues, birth children and go through menopause. All of these different health events cost insurance companies more money, which is why the premiums are higher.

Many states have a state health insurance law in effect that will provide various types of birth control, mammograms and other services to women without paying a copay. This helps to offset the increased costs of health care for women.

Another difference between women and men is the likelihood of heart disease. More women suffer from a type of heart disease each year than their male counterpart. In fact, about 50,000 more women than men do. Add in the statistic that more women are likely to have a second heart attack within one year of having their first one and women have drawn the short stick when it comes to cardiac health.

As a result of these statistics, insurance companies have no choice but to increase the monthly premiums for women, because women are more likely to spend more with doctor's visits and treatments. Again, state health insurance law can step in to help, but not all states offer the assistance.

Women are also two to three times more likely to become depressed. This is as a result of various different parts of their life including puberty, pregnancy and menopause as well as regular events that happen on a daily basis. This depression can lead to further problems including substance abuse, eating disorders, obesity and more.

There is no way around the statistics that show men are generally healthier than women. What you can do is ensure that you're not paying too much for your health insurance. There are many health insurance companies across the marketplace, and many of them put an emphasis on different aspects of your health. If you show that you are physically fit and are in great health, you won't be paying that much higher for your premium than any male with the same conditions would be.

You need to do some price comparisons with three or four companies to get the quotes. When you find the most affordable one, check out the health care for women that is covered so that you can ensure you choose the right insurance.