Examine the table comparing two individuals

Who is more likely to have higher health insurance premiums? (Selma or Thelma)

Selma is more likely to have higher health insurance premiums.

Higher Health Insurance Premiums for Selma

Selma is more likely to have higher health insurance premiums compared to Thelma. This may be due to a variety of factors such as age, preexisting conditions, or tobacco use.

Health insurance premiums are often determined by an individual's health and lifestyle choices. Since Selma is more likely to have higher premiums, it indicates that she may have higher risks associated with her health status.

It is important for individuals like Selma to carefully consider their health insurance options and choose a plan that best fits their needs and budget.

Which risk factor will make a difference in premium price for Selma and Thelma? (Tobacco use or age)

Tobacco use will make a difference in premium price for both Selma and Thelma.

Impact of Tobacco Use on Premium Price

Tobacco use is a risk factor that can significantly impact health insurance premium prices for both Selma and Thelma. Individuals who use tobacco are at a higher risk for various health conditions, leading to higher insurance premiums.

Insurance companies often charge higher premiums for individuals who use tobacco due to the increased health risks associated with smoking. Quitting smoking or using tobacco cessation programs can help reduce insurance premium costs over time.

Which risk factor will not make a difference in premium price? (Preexisting condition or tobacco use)

Preexisting condition will not make a difference in premium price.

Preexisting Condition and Premium Price

A preexisting condition is a health issue that an individual already has before applying for health insurance. While preexisting conditions can impact an individual's ability to get insurance coverage, it will not directly affect premium prices for Selma and Thelma.

Under the Affordable Care Act, insurance companies are prohibited from charging higher premiums or denying coverage to individuals with preexisting conditions. This ensures that individuals with preexisting conditions have access to affordable health insurance options.