What is a common characteristic of groups with a high average age in health insurance?

The correct choice highlights that groups with a high average age typically experience above-average total health claims. As individuals age, they often face increased health risks and a higher likelihood of developing chronic conditions, which can lead to more frequent medical visits, higher costs for treatments, and generally greater utilization of healthcare services. This results in these groups incurring greater total health claims compared to younger populations, who may not have the same level of health concerns or need for medical intervention.

The other possibilities, while they may seem relevant, do not accurately reflect the trends seen in older demographic groups. For instance, maternity claims are less relevant in older groups, as those in higher age brackets are less likely to be having children. The reference to disability claims is not applicable, as older adults often have greater exposure to disability risks due to age-related health issues. Lastly, groups with an older average age tend to face higher premiums and costs due to their increased health claims, which typically results in above-average rates rather than below average. Thus, the link between high average age and elevated health claims is a well-documented trend in health insurance.