The major reason that older women have less access to group health insurance of their own is because they:

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Older women were less likely to be employed when young due to societal norms and discrimination. This means they didn't have the same opportunity to acquire group health insurance through an employer as their male counterparts did. As a result, they may have to rely on their spouse's insurance or individual health insurance options which can be expensive.

The Major Reason That Older Women Have Less Access to Group