Which factor does NOT directly affect the equity of access to health services?

Personal preferences do not directly affect the equity of access to health services because equity is primarily concerned with fairness and equality in access to healthcare. Factors such as location of services, socioeconomic status, and insurance coverage are structural elements that can create barriers or facilitate access to health care.

Location of services can determine whether people can physically reach the healthcare they need, particularly in rural or remote areas. Socioeconomic status often influences individuals' ability to afford medical care or transportation, which can further hinder access. Insurance coverage is critical as it directly relates to whether individuals can pay for the services they require.

While personal preferences may influence an individual's choice of provider or type of care they wish to pursue, they do not represent an external barrier or a systemic issue affecting overall access to healthcare services. Therefore, personal preferences are seen as less consequential in discussions of equity compared to the other mentioned factors.