If Aiping is a tobacco user, how would that affect his premium?

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Study for the Federally Facilitated Marketplace (FFM) Exam with flashcards and multiple choice questions. Each question includes hints and explanations to help you prepare. Ace your exam today!

Multiple Choice

If Aiping is a tobacco user, how would that affect his premium?

Explanation:
Tobacco use can trigger a premium surcharge on marketplace plans. Insurers may add extra to the premium for tobacco users to account for higher health risks, and there’s often a cap to how much that surcharge can be. In this scenario, the surcharge could raise Aiping’s premium by as much as $450, which is why the correct answer says his premium may be up to $450.

Tobacco use can trigger a premium surcharge on marketplace plans. Insurers may add extra to the premium for tobacco users to account for higher health risks, and there’s often a cap to how much that surcharge can be. In this scenario, the surcharge could raise Aiping’s premium by as much as $450, which is why the correct answer says his premium may be up to $450.

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