Scientific theory is based on different experiments and tested in different situations and environment will all aspects. If the experiment finds true then observations will become theory. It can be changed in future if it does not meet the newly proposed conditions. But It does not means that, every theory can be changed.
So he what you do is take $488 multiply it by 22% to get $107.36 you then subtract $488 from $107.36 to get what he was paying before premium increase which is $380.64
