Which of the following elements does not directly influence health insurance premiums?

The education level of the insured does not directly influence health insurance premiums because insurance companies typically base premiums on factors that are related to the risk of healthcare costs. The other options represent critical factors that insurers evaluate when determining policy rates.

Claims history of the insured is a significant element, as it reflects past usage of healthcare services and indicates how likely the insured is to make claims in the future. A history of frequent or costly claims can lead to higher premiums because it suggests increased risk.

The type of coverage selected also plays a vital role in premium calculations. Different plans come with various levels of benefits, cost-sharing structures, and coverage limits, which can significantly affect the overall cost of the premium.

Similarly, the number of dependents is an important determinant when assessing premiums. More dependents typically lead to higher premiums since there is an increased likelihood of claims due to additional healthcare needs among family members.

In contrast, while education may have some indirect effects on health (such as income level or access to preventative care), it is not a direct factor considered in the actuarial calculations for health insurance premiums. Insurance companies focus on concrete, measurable factors that demonstrate risk and potential costs associated with the insured.