What criteria can insurers use for rating health insurance?

Health insurance rating criteria are essential for determining premiums and ensuring that the risk is appropriately assessed by insurers. The correct option includes Age, Tobacco Use, Family Composition, and Geographic Area which collectively represent factors that can significantly influence an individual's healthcare costs and risks.

Age is a fundamental criterion since healthcare needs typically increase as individuals grow older, leading to higher utilization of healthcare services. Tobacco Use is also a critical factor because individuals who use tobacco are at a higher risk for various health issues, increasing the likelihood that they will incur greater healthcare expenses. Family Composition provides insight into the number of dependents and the potential for different health risks based on the family structure. Geographic Area is important as healthcare costs can vary widely based on location due to factors like the availability of healthcare services, local health outcomes, and overall living costs.

These criteria align with legal regulations that allow for certain factors to influence premiums, ensuring that the rates are reflective of the expected costs associated with individuals' health risks. This makes the chosen answer the most comprehensive and accurate representation of the criteria insurers can use when rating health insurance policies.