Every home has a “chief medical officer,” including yours. It’s not an official designation, but the job description is clear: This is the person who researches, analyzes and decides on the best course of health care for everyone in the home.
This is the one who tacks postcards from the dentist about six-month cleanings to the fridge. The one who files the insurance claims. The one who Googles medical terms after a confusing doctor’s appointment, the one who saves receipts for health savings accounts, the one who keeps track of who needs to see which specialist and when.
Chances are this person isn’t a health care professional. But there’s a good chance she’s a woman.
Women make health care decisions for themselves—and everyone else
As consumers, women make 80% of the decisions on health care.1 This leadership begins with themselves: Women are likelier than men to have health insurance and to visit the doctor.²,³ But this “chief medical officer” doesn’t stop there. Nearly 80% of mothers take responsibility for choosing their children’s health providers, compared with just 22% of fathers, and 59% of women are health care decision makers for other people regardless of marital status and whether they have children.4
In many ways, this isn’t a surprise. Women are still responsible for the bulk of caregiving for children and aging family members, and some health care decisions could be considered an extension of that.⁵,⁶ But coupled with some of the devastating facts about men’s attitudes toward health care—research shows that most men would rather clean the bathroom or mow the lawn than go to the doctor7—this gender discrepancy may point to an attitudinal factor, not just logistical ones. Regardless of whether women actually care more about health than men do, they’re behaving as though they care more, a quality that falls in line with the stereotype that women are more compassionate and sensitive.8
It’s not just health care: Women’s financial decision-making is growing
The influence women yield over health decisions intersects with an area where women’s power continues to grow: financial decisions. With Americans getting married later than previous generations, women are managing their own money throughout their early adulthoods—a trend that continues into marriage. While only half of women over 55 manage their own money, three-quarters of women under 45 report doing so.9
This level of control extends to shared finances. Nearly 9 in 10 women who are married or live with a partner report being involved with household spending decisions, and 31% say they’re the primary financial decision-maker.10
But even in homes where women aren’t driving financial choices, they’re the ones to turn to for health decisions. Overall, men have the edge on financial literacy, with 18% of men passing a financial literacy test compared with just 11% of women. But when it comes to questions about the finances of health and long-term care, women score better.11
What women’s health care decision-making means for you
One consequence of this female-dominated health care landscape? Women are the audience for health care messaging, even when you’re not talking directly to them.
As a benefits decision-maker, you’re thinking about what’s best for your employees. When you craft your communications around your business’s health benefits, it’s worth considering the benefits decision-maker at the other end of the spectrum. And it’s also worth considering that she’s statistically likelier to be a woman, even if your workforce is predominantly male.
This doesn’t mean you should start addressing all your health benefits materials to women, or assume that your female employees are equipped with all the information they need to choose the benefits that are best for them.
What it does mean is that you’re in a position to acknowledge women’s role in choosing the benefits that help protect your workforce. This acknowledgment can be as subtle as reminding your employees to share benefits information with other adults in their households, or as celebratory as sharing articles about women’s pivotal role in insurance coverage with your workforce. (You can begin with this one.) And just remembering that women—even if they’re unseen by you—may be the ones making decisions at home can help you keep the big picture in mind.
Ready to help your employees make the benefits decisions that are right for them? Contact your Aflac benefits advisor or visit Aflac.com/business.
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
1 McKinsey & Company. "Unlocking opportunities in women's health care." Published 2.14.2022. Accessed 6.28.2022.
2 Kaiser Family Foundation. "Women's Health insurance Coverage." Published 11.8.2021. Accessed 6.28.2022.
3 Kaiser Family Foundation. "Women's Health Care Utilization and Costs." Published 4.21.2021. Accessed 6.28.2022.
4 HealthWare Systems. “The Crucial Role of Women as Healthcare Decision Makers.” Published 1.22.2020. Accessed 6.14.2021.
5 Review of Economics of the Household. "Gender differences in couples' division of childcare, work and mental health during COVID-19." Published 1.16.2021. Accessed 6.28.2022.
6 AARP. “Caregiving in the U.S.” Published May 2020. Accessed 6.21.2021.
7 The Washington Post. "Many men avoid doctors. That can be dangerous, even deadly, for them." Published 4.12.2020. Accessed 6.28.2022.
8 American Psychological Association. “Gender stereotypes have changed: A cross-temporal meta-analysis of U.S. public opinion polls from 1946 to 2018." Published 2020. Accessed 6.28.2022.
9 NBC News. “Younger women are twice as likely to make their families’ financial decisions as in previous generations.” Published 8.26.2020. Accessed 6.14.2021.
10 InvestmentNews. “Women taking bigger role in family finances, despite men: Report.” Published 6.10.2020. Accessed 6.14.2021.
11 BenefitsPRO. “Financial literacy gap for women is ‘notable and worrisome.’” Published 1.11.2021. Accessed 6.14.2021.
Content within this article is for informational purposes only and does not constitute legal, tax, accounting or medical advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer will have to consider in their benefits decision-making process.
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