Final answer:
Gender is the risk factor that is not considered in underwriting individual health insurance policies, as regulations now prohibit pricing discrimination based on gender.
Step-by-step explanation:
The primary risk factors in underwriting individual health insurance policies generally include age, smoking status, and occupation, as these can significantly affect an individual's health risks and the cost of providing health insurance. However, the one factor among the options provided that is no longer considered a primary risk factor in underwriting individual health insurance policies is gender. This is due to changes in regulations that prohibit discrimination based on gender in health insurance pricing. Age, smoking status, and occupation are all factors that insurance companies may use to assess an individual's risk and determine insurance premiums.