What change will insurers implement regarding premiums under healthcare reform?

Insurers will not be able to charge higher premiums based on gender or health status under the Affordable Care Act (ACA), which is a pivotal change brought about by this healthcare reform. This policy is designed to ensure that individuals cannot be discriminated against in their insurance premiums based on their gender or pre-existing health conditions.

Before the ACA, it was common for insurance companies to adjust premiums or deny coverage entirely based on an individual's health status or gender, leading to many people being unable to afford necessary health insurance. The ACA established protections that prevent such discriminatory practices, creating a more equitable insurance marketplace where people pay premiums based on a risk pool rather than personal health or demographic factors. This change greatly enhances access to healthcare coverage, making it more affordable and available to a larger segment of the population.

The other options do not align with the goals and implementations of the ACA, as insurers are, in fact, required to provide comprehensive coverage options and cannot deny coverage due to pre-existing conditions, thereby directly opposing those claims.