Which of the following factors is likely to influence health insurance premiums?

Age is a significant factor that influences health insurance premiums due to the inherent risks associated with different age groups. Generally, younger individuals tend to have lower health care costs because they are usually healthier and less likely to require extensive medical care. Conversely, older individuals typically face higher health risks and may require more medical attention, which increases the cost of providing insurance for this group.

Insurance companies analyze age demographics within their risk pools to determine premium rates, ensuring that they can adequately cover expected health care costs. The relationship between age and health care usage is well-documented, making it a primary consideration in premium calculations.

Other factors, such as television usage, religious beliefs, and personal hobbies, do not have a direct correlation with health care costs or the level of risk presented to insurance providers. Therefore, they are not used as criteria for determining health insurance premiums.