Men, meanwhile, gained more in proportional terms from improvements in the two indicators in Chile, Colombia, Guatemala and Honduras. Educational level is also a source of significant gaps, but these are narrowing, especially with regard to health care. Between the two extremes (employees with a university education versus employees who did not complete primary education), the difference in affiliation to pension and health systems is 55 and 40 percentage points, respectively. In terms of access trends by age group, although affiliation to both pension and health care systems increased in all age groups, access for both indicators can be described as an inverted U-curve, because affiliation levels are lower both at the beginning and at the end of people's working lives.