Which of the following factors can impact health insurance premiums?

The correct answer is based on the understanding that health insurance premiums are influenced by a variety of measurable and significant factors. Age is a critical factor because, generally, older individuals tend to have more health issues, leading to higher medical costs over time. This increased risk is reflected in higher premiums for older age groups compared to younger ones. Geographic location plays a role as well since the cost of healthcare varies significantly across different regions. For example, areas with higher living costs may have higher healthcare expenses, which in turn affects the premiums set by insurance providers.

On the other hand, factors like diet and exercise habits, while important for overall health, do not typically have a direct influence on the pricing structure of health insurance premiums as implemented by insurers. Similarly, employment status might affect an individual’s ability to purchase insurance or the type of plan they can afford, but it does not directly determine premium rates. Lastly, mythical health attributes, such as concepts of destiny, have no place in the actuarial assessments that underlie premium calculations as they do not conform to measurable data that insurers rely upon.

Thus, the comprehensive understanding of age and geographic location as impactful factors is why this answer holds true in the context of how health insurance premiums are structured.