Today because of President Obama's courage kids can stay on their parent's plan until they are 26. Insurers cannot kick you off your policy because you have hit your limit. They will not be able to deny you because you have a pre-existing condition.
You can't tell a woman who is called by God to teach that she cannot teach the Word of God... So I think the distinction is that there's a difference between the authority of a pastor and a Bible teacher.