Health insurance premiums may increase from year to year or remain constant. This is because the cost of health care can fluctuate over time due to various factors such as inflation, changes in medical technology, and shifts in the overall health of the population. As a result, health insurance companies may adjust their premiums to reflect these changes. However, it's also possible for health insurance premiums to remain constant. This can occur if the insurer determines that the current premium level is sufficient to cover anticipated health care costs. It's important to note that while health insurance premiums can increase, they cannot be raised due to unexpected health problems that were unknown at the time the policy was initiated. This is a key difference between health insurance and whole life insurance, where premiums typically remain constant once the contract is in force.

Choice A is incorrect. Health insurance premiums do not always increase from year to year. The premium amount can be influenced by various factors such as changes in health status, age, and inflation. However, it's not a guarantee that they will always increase annually.

Choice B is incorrect. While it's true that health insurance premiums may fluctuate based on certain factors, they typically do not decrease over time due to the increasing risk of illness with age and rising healthcare costs.

Choice D is incorrect. Health insurance premiums do not remain constant throughout the holder's life unlike whole life insurance premiums which are designed to stay level for the lifetime of the policyholder.