How does Aiping's tobacco use affect his premium?

When determining how Aiping's tobacco use affects his premium, it's important to recognize that many health insurers utilize tobacco use status as a key factor in calculating premiums. Typically, individuals who use tobacco products can face significantly higher premiums compared to those who do not use tobacco, reflecting the increased health risks and related expenses for insurers.

In this particular case, stating that Aiping's premium may be up to $450 indicates a specific potential increase attributed to his tobacco use. Insurers often apply a surcharge to the premiums of tobacco users, which can vary but is often in the range of a few hundred dollars annually.

By choosing this answer, it reflects an understanding that there is a tangible financial consequence of tobacco use on health insurance premiums. This aligns with common practices in health insurance where tobacco use is considered a risk factor, thus impacting the pricing structure of the premium. The other choices suggest either a decrease or no change in premium, which does not accurately depict the common outcomes associated with tobacco usage in health insurance contexts.