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Well. That's nice.

For decades, women have paid more for health insurance. A lot more. But, thanks to health care reform, that trend has come to an abrupt end.

In the broadest sense, the new health care law forbids sex discrimination in health insurance. Previously, there was no such ban, and insurance companies took full advantage of the void.

Until now, it has been perfectly legal in most states for companies selling individual health policies — for people who do not have group coverage through employers — to engage in “gender rating,” that is, charging women more than men for the same coverage, even for policies that do not include maternity care. The rationale was that women used the health care system more than men. But some companies charged women who did not smoke more than men who did, even though smokers have more risks. The differences in premiums, from 4 percent to 48 percent, according to a 2008 analysis by the law center, can add up to hundreds of dollars a year. The individual market is the one that many people turn to when they lose their jobs and their group coverage.

Insurers have also applied gender-rating to group coverage, but laws against sex discrimination in the workplace prevent employers from passing along the higher costs to their employees based on sex. Gender rating has taken a particular toll on smaller or midsize businesses with many women, like home-health care, child care and nonprofits. As a result, some businesses have been unable to offer health coverage or have been able to afford it only by using plans with very high deductibles.

In addition, individual policies often excluded maternity coverage, or charged much more for it. Now, gender rating is essentially outlawed, and policies must include maternity coverage, considered “an essential health benefit.”

In a statement issued Thursday, Senator Mikulski said: “One of my hearings revealed that a woman was denied coverage because she had a baby with a medically mandated C-section. When she tried to get insurance coverage with another company, she was told she had to be sterilized in order to get health insurance. That will never, ever happen again because of what we did here with health care reform.”

Read the rest of this New York Times article, by Denise Grady, here.

Further reading:

• Youth pay a lot more for health premiums (A/MSNBC)
• Uninsured hoping for fast help from health care overhaul (Charlotte Observer)

From the U.S. Congress: How health care reform will help women:

Well, kinda. Read on to find out more ...

Question is, do we forgive them for their part in the banking chaos that led directly to the Great Recession? I tell you what would help, a giant check made out to the Charlotte Mecklenburg Library.

Bank of America Corp. launched a program Wednesday that will offer mortgage-principal forgiveness worth about $3 billion to 45,000 borrowers.

The program will be used with other bank and federal efforts to help struggling homeowners, such as the Home Affordable Modification Program and National Homeownership Retention Program.

Only borrowers already eligible for loan modifications will be considered for the new program. And BofA says it will contact borrowers with the offer because only a limited group of customers will be eligible. The program is intended to serve borrowers who owe at least 120 percent of their home’s value and are more than 60 days past due on mortgage payments.

Any forgiveness will depend on the borrower making on-time payments for up to five years. If the home’s value rises, the amount of principal forgiven may be reduced.

Read the rest of this Charlotte Business Journal article, by Adam O'Daniel, here.

Who wrecked the economy?

This week, Charlotte raises its glass and toasts, well, beer. The inaugural Charlotte Craft Beer Week jumped off last Friday and continues through March 28. Bars and restaurants all around town will be hosting various beer-related events, such as tastings of rare and exotic brews, showcases featuring local and regional breweries, food and beer pairing events, brewery tours and appearances by some major names in the brewing industry.

From www.charlottecraftbeerweek.org:

"The craft beer movement in the Carolinas really took off thanks to the Pop the Cap campaign which resulted in passage in 2005 of a bill in North Carolina to raise the maximum alcohol content in beer from 6 percent to 15 percent. In 2007, South Carolina went a bit further and raised its cap to 17.5 percent," said Darrin Pikarsky, founder of the Charlotte Beer Club. "Since that time dozens of unique beers have become available in the Charlotte area and a terrific new wave of North Carolina craft brewers have brought some world class beers to market."

The goal behind Charlotte Craft Beer Week is to celebrate a new golden age of beer in the Queen City and help introduce more people to the dozens of amazing beer styles and venues now available locally. Tickets for the events will be sold at each of the host locations.

Click here to see what kind of events are going on and when. Note to self: There are multiple things going on each night!

Why craft beer? Watch this video from Craftbeer.com.

Not too shabby considering the city's recent attempts to re-brand itself as a green-job mecca.

Charlotte ranks No. 20 among 43 U.S. metro areas in a study of the nation’s “green cities.”

The Business Courier of Cincinnati, a sister publication of the Charlotte Business Journal, complied the Green Cities Index. It ranks metro areas based on environmental factors such as air and water quality, traffic congestion, transit use, carbon emissions, the number of energy-efficient buildings and green jobs.

The Charlotte-Gastonia-Concord metropolitan statistical area ranks No. 21 among the 43 markets for congestion and No. 27 for public transportation use.

The study found that 79 percent of the region’s workers drive alone to their jobs. Only 2.3 percent of the local work force uses public transit.

The region also gets low marks because of its smog, ranking No. 33 for air quality. Charlotte’s polluted streams, creeks and rivers place the region at No. 32 for water quality.

On the positive side, Charlotte placed No. 6 for its high number — 82 — of Energy Star-rated facilities. And it ranks No. 12 for the number of properties — 41 — certified under the U.S. Green Building Council’s LEED program.

The green credentials of certain local professionals also boosted the region’s overall ranking. The region rates No. 6 for its high number of LEED-accredited architects and No. 2 for LEED-accredited professionals overall.

Charlotte ranks No. 19 for generation of energy from renewable sources.

Read the rest of this Charlotte Business Journal article, by Susan Stabley, here.

YouTube has helped create many minor celebrities in our Internet age, but the circumstances that made Myers Park High School senior Amelia Downs a viral hit are surprising even to her.

Amelia Downs posted her video as a response to a unique question on a college application to Tufts University.

The Medford, Massachusetts school is known for creative questions for its applicants, and this year, offered an optional essay that asked students to submit a 1-minute web video that helped explain who they are.

Downs' video begins, "Oh, hi! I didn't see you there. My name is Amelia Downs and I'm here to show you how I combine two of my favorite things -- being a nerd and dancing." She goes on to show off several dances she created with friends that simulate math terms such as scatterplot, pie graph, and tangent.

Read the rest of this MSNBC/ NewsChannel36 article, by Beth Shayne, here.

Here's the video: