Final answer:
Three risk factors that can lead to higher health insurance premiums are age, smoking, and medical history.
Step-by-step explanation:
Three risk factors that could lead to higher health insurance premiums are:
- Age: Older individuals often face higher insurance premiums because they may have more pre-existing conditions or are more prone to certain health issues.
- Smoking: Smokers are considered to have a higher risk of developing health issues, and therefore may face higher insurance premiums.
- Medical history: Individuals with a history of chronic illnesses or major health conditions may be seen as higher risk by insurance companies, resulting in higher premiums.
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