An individual cannot adjust which aspect regarding their Accident and Health policy?

In an Accident and Health policy, premium payments are largely determined by the insurance company based on various factors, including the insured's age, health status, and risk profile. Once the policy is purchased, the policyholder typically cannot unilaterally adjust the premium payments. Premium amounts are fixed for the term of the policy but can be affected by various factors over time, such as claims experience, changes to the insured's health, or adjustments in underwriting guidelines set by the insurer.

On the other hand, the coverage amount, benefits provided, and policy exclusions can often be modified at the time of policy renewal or through suggested endorsements. Therefore, it is generally not within the policyholder's rights to change the premium payments without the insurer's consent or without initiating a new policy that has different terms.