Which of the following changes to insurance policies occurred in January of 2014?

The correct answer highlights a significant provision of the Affordable Care Act (ACA) that went into effect in January 2014, which was the prohibition of discrimination based on gender in health insurance policies. This means that insurers could no longer charge different premiums based on a person’s gender, promoting equity in health coverage. This change aimed to ensure that women were not charged higher rates than men for the same health coverage and contributed to reducing gender-based discrimination within health insurance markets.

This change reflects the ACA's broader goal of increasing access to affordable healthcare and ensuring that insurance policies provide coverage fairly and equitably. As a result, individuals could obtain insurance without the risk of being charged more due to their gender, fostering a more inclusive healthcare system.