Which factor is NOT associated with the premiums of CDHPs?

The factor that is not associated with the premiums of Consumer-Directed Health Plans (CDHPs) is the extent of employer contributions. When determining premiums for CDHPs, the health status of enrollees is crucial since it impacts utilization of health services. If enrollees generally have poorer health, this can lead to higher anticipated costs, which in turn raises premiums.

Similarly, the prices of services used by enrollees affect the overall costs incurred by the insurance provider, influencing premium amounts accordingly. The extent of out-of-pocket payments is also a significant factor, as higher out-of-pocket expenses often accompany lower premiums, reflecting the design of CDHPs to encourage more cost-conscious decision-making among consumers.

On the other hand, while employer contributions are important for overall plan affordability and employee participation, they do not directly influence the premiums charged for the insurance coverage itself. Therefore, the variable pertaining to the extent of employer contributions does not directly factor into the calculation of premiums for CDHPs, making it the correct answer.