CEA is concerned about the likely effects on consumers if insurers are no longer allowed to differentiate on the basis of sex. The European Court of Justice must decide on an opinion of the Attorney General which says insurers should not be able to make sex-specific differences in premiums and benefits when sex is a determining risk factor. CEA says that if the risk-based, factual principle cannot continue, premiums will increase, cover will decrease and some products will no longer be available.