Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA

Public Use Microdata Area (PUMA)

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2023 Population

104,124

0.0605% 1-year decline

US Senator

Alex Padilla

Democratic Party

US Senator

Adam Schiff

Democratic Party

2023 Median Age

31.5

0.962% 1-year increase

2023 Poverty Rate

12.3%

4.82% 1-year decrease

2023 Median Household Income

$86,900

6.59% 1-year growth

2023 Median Property Value

$450,200

11.7% 1-year growth

2022 Employed Population

45,739

44.5% 1-year decline

About

In 2023, Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA had a population of 104k people with a median age of 31.5 and a median household income of $86,900. Between 2022 and 2023 the population of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA declined from 104,187 to 104,124, a −0.0605% decrease and its median household income grew from $81,525 to $86,900, a 6.59% increase.

The 5 largest ethnic groups in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are Other (Hispanic) (40.6%), Black or African American (Non-Hispanic) (18.1%), Two+ (Hispanic) (11.4%), White (Non-Hispanic) (10.7%), and White (Hispanic) (9.04%).

51.7% of the households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA reported speaking a non-English language at home as their primary shared language. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

87.6% of the residents in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are U.S. citizens.

The largest universities in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are Moreno Valley College (2,642 degrees awarded in 2022).

In 2023, the median property value in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was $450,200, and the homeownership rate was 66.1%.

Most people in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA drove alone to work, and the average commute time was 36.1 minutes. The average car ownership in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was 2 cars per household.

Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA borders Riverside County (North Central)--San Jacinto, Beaumont, Banning & Calimesa Cities PUMA, CA, Riverside County (West Central)--Perris City, Temescal Valley & Mead Valley PUMA, CA, Riverside County (Northwest)--Moreno Valley City (North) PUMA, CA, and Riverside County (Northwest)--Riverside City (East) PUMA, CA.

United States California

Population & Diversity

Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA is home to a population of 104k people, from which 87.6% are citizens. As of 2023, 24.8% of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA residents were born outside of the country (25.8k people).

In 2023, there were 2.24 times more Other (Hispanic) residents (42.2k people) in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA than any other race or ethnicity. There were 18.8k Black or African American (Non-Hispanic) and 11.8k Two+ (Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary langauge in households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are Spanish (45,360 households), Tagalog (Incl. Filipino) (1,395 households), and Arabic (601 households).

Population & Diversity

Residents by Gender and Age

RACE/ETHNICITY

54,398

Women

51%

52,346

Men

49%

The resident population of United States in 2022 was 106,744 inhabitants, with 49% men, and 51% women.

The visualization shows the distribution of the residents by gender and age in the United States.

With the upper buttons you can add a filter by race.

Citizenship

87.6%

2023 Citizenship

87%

2022 Citizenship

As of 2023, 87.6% of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA residents were US citizens, which is lower than the national average of 93.4%. In 2022, the percentage of US citizens in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was 87%, meaning that the rate of citizenship has been increasing.

The following chart shows US citizenship percentages in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA compared to that of it's neighboring and parent geographies.

Diversity

Race and Ethnicity

The 3 largest ethnic groups in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA

Other (Hispanic)
42.2k ± 3.13k
Black or African American (Non-Hispanic)
18.8k ± 2.1k
Two+ (Hispanic)
11.8k ± 1.7k

62.8%

Hispanic Population

65.4k people

62.8% of the people in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are hispanic (65.4k people).

The following chart shows the 7 races represented in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA as a share of the total population.

Global Diversity

Most Common Origin

Mexico
16,914 ± 2,929 people
Philippines
1,455 ± 930 people
El Salvador
1,330 ± 890 people

In 2022, the most common birthplace for the foreign-born residents of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was Mexico, the natal country of 16,914 Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA residents, followed by Philippines with 1,455 and El Salvador with 1,330.

Foreign-Born Population

24.8%

2023 Foreign-Born Population

25.8k people

26.1%

2022 Foreign-Born Population

27.2k people

As of 2023, 24.8% of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA residents (25.8k people) were born outside of the United States, which is higher than the national average of 13.8%. In 2022, the percentage of foreign-born citizens in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was 26.1%, meaning that the rate has been decreasing.

The following chart shows the percentage of foreign-born residents in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA compared to that of it's neighboring and parent geographies.

Non-English Households

Most Common Non-English Languages

Spanish
45,360 households (46.2%)
Tagalog (Incl. Filipino)
1,395 households (1.42%)
Arabic
601 households (0.612%)

51.7% of the households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA reported speaking a non-English language at home as their primary shared language, which is higher than the national average of 22%. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

In 2023, the most common non-English language spoken in households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was Spanish. 46.2% of the households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA reported speaking Spanish at home as the primary shared language between all members living in the household.

Military

Veterans

Most Common Service Period

Gulf War (2001-)
1,234 ± 314
Vietnam
948 ± 178
Gulf War (1990s)
548 ± 175

Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA has a large population of military personnel who served in Gulf War (2001-), 1.3 times greater than any other conflict.

Economy

The economy of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA employs 45.7k people. The largest industries in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are Construction (4,623 people), Warehousing & storage (3,247 people), and Restaurants & Food Services (3,085 people), and the highest paying industries are Legal services ($108,652), Architectural, engineering & related services ($87,074), and Aircraft & parts manufacturing ($85,920).

Males in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA have an average income that is 1.15 times higher than the average income of females, which is $53,015. The income inequality in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA (measured using the Gini index) is 0.414, which is lower than than the national average.

Employment

Workforce Diversity

Measure

RACE/ETHNICITY

37,036

Women

44.8%

45,627

Men

55.2%

The workforce of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA in 2020 was 82,663 people, with 44.8% woman, and 55.2% men.

The visualization shows the distribution of the workforce by gender and age in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

Occupations

45.7k

2022 Value

−44.5%

1 Year decline

± −44.5%

From 2021 to 2022, employment in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA declined at a rate of −44.5%, from 82.4k employees to 45.7k employees.

The most common job groups, by number of people living in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA, are Driver/sales workers & truck drivers (2,237 people), Laborers & freight, stock, & material movers, hand (1,804 people), and Stockers and order fillers (1,673 people). This chart illustrates the share breakdown of the primary jobs held by residents of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA.

Unemployment Insurance Claims

Data is only available at the state level. Showing data for false.

This chart shows weekly unemployment insurance claims in California (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

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Industries

Employment by Industries

45.7k

2022 Value

−44.5%

1 Year decline

± −44.5%

From 2021 to 2022, employment in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA declined at a rate of −44.5%, from 82.4k employees to 45.7k employees.

The most common employment sectors for those who live in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA, are Construction (4,623 people), Warehousing & storage (3,247 people), and Restaurants & Food Services (3,085 people). This chart shows the share breakdown of the primary industries for residents of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA, though some of these residents may live in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA and work somewhere else. Census data is tagged to a residential address, not a work address.

Median Earnings by Industry

$45,789

Median earning men ± $1,951

$36,034

Median earning women ± $1,759

The industries with the best median earnings for men in 2023 are Public Administration ($96,442), Information ($78,384), and Wholesale Trade ($56,466).

The industries with the best median earnings for women in 2023 are Public Administration ($61,213), Finance & Insurance, & Real Estate & Rental & Leasing ($52,723), and Construction ($43,703).

Employment by Industry Sector

Data is only available at the state level. Showing data for California.

Y-Axis

2.57%

Year-over-year growth

Employment change between February 2022 and February 2023

As of February 2023, there are 17.9M people employed in California. This represents a 2.57% increase in employment when compared to February 2022.

Right after the beginning of the COVID-19 pandemic, during April 2020, a general dip can be seen across industry sectors, resulting in an overall decline in employment by 14%.

The following chart shows monthly employment numbers for each industry sector in California.

Civics

In the 2024 presidential election, the popular vote in California went to Kamala Harris with 58.5% of the vote. The runner-up was Donald J. Trump (38.3%), followed by Robert Kennedy (1.25%).

Alex Padilla and Adam Schiff are the senators currently representing the state of California. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

California is currently represented by 52 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Presidential Popular Vote Over Time

Voting results are not available for Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA. Showing the available data for California.

2024 Election Results

Kamala Harris (58.5%)
Democratic Party
Donald J. Trump (38.3%)
Republican Party
Robert Kennedy (1.25%)
Independent Party

In the 2024 presidential election, the popular vote in California went to Kamala Harris with 58.5% of the vote. The runner-up was Donald J. Trump (38.3%), followed by Robert Kennedy (1.25%).

The following chart shows the popular vote results in California for each registered party from 1976 to 2024.

Senator Elections

US Senators from California

Senatorial voting results are only available at the state level. Showing data for California.

Alex Padilla

Senator from California

Assumed office on January 20, 2021
Appointed to the seat following the resignation of Kamala Harris, who had become Vice President of the United States.

Adam Schiff

Senator from California

Assumed office on December 8, 2024
Elected to the seat to succeed Laphonza Butler, who had been appointed to the seat following the death of Dianne Feinstein.

Alex Padilla and Adam Schiff are the senators currently representing California.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in California over time, excluding special elections, colored by their political party.

US Representative Elections

US Representatives from California

California is currently represented by 52 members in the U.S. house.

Members of the House of Representives are elected to 2-year terms, and the following chart shows the how the members for California have changed over time starting in 2008.

Education

In 2022, universities in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA awarded 2,642 degrees. The student population of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA in 2022 is skewed towards women, with 3,844 male students and 5,251 female students.

Most students graduating from Universities in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are Hispanic or Latino (1,813 and 68.8%), followed by White (344 and 13%), Asian (200 and 7.58%), and Black or African American (196 and 7.43%).

The largest universities in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA by number of degrees awarded are Moreno Valley College (2,642 and 100%).

The most popular majors in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA are Humanistic Studies (850 and 32.2%), Liberal Arts & Sciences (299 and 11.3%), and Biological & Physical Sciences (245 and 9.27%).

Admissions & Enrollments

Enrollments by Gender and Races

In 2022 there were 9,095 students enrolled in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA, 42.3% men and 57.7% women.

By race, the largest number of students enrolled was concentrated in Hispanic or Latino with 6,126 records, of which 60.7% were women and 39.3% men.

Completions

Concentrations

Most Common

Biological & Physical Sciences
245 degrees awarded
Humanistic Studies
850 degrees awarded
Liberal Arts & Sciences
299 degrees awarded

In 2022, the most common concentation for Associates Degree recipients in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was Biological & Physical Sciences with 245 degrees awarded.

This visualization illustrates the percentage of students graduating with a Associates Degree from schools in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA according to their major.

Universities

Gender

Race

Moreno Valley College

Largest Universities by degrees awarded

2,642 degrees awarded

In 2022, the institution with the largest number of graduating students was Moreno Valley College with 2,642 degrees awarded.

Student Diversity

In 2022, 1,093 men were awarded degrees from institutions in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA, which is 0.706 times less than the 1,549 female students who received degrees in the same year.

In 2022 the most common race/ethnicity group awarded degrees at institutions was Hispanic or Latino students. These 1,813 degrees mean that there were 5.27 times more degrees awarded to Hispanic or Latino students then the next closest race/ethnicity group, White, with 344 degrees awarded.

Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

Tuition

Average Net Price by Sector

Public, 2-year ($1,380) is the sector with the highest median state tuition in 2022.

Public, 2-year ($40) is the sector with the highest median state fee in 2022.

Public, 2-year ($1,126) is the sector with the highest average net price of books and supplies.

The graph shows the average net price by sector and year.

Working Population

Educational Pyramid

Measure

In 2022, 2.07% of men over 25 years of age had not completed any academic degree (no schooling), while 1.89% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

Educational Attainment

Race

The most common educational levels obtained by the working population of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA in 2022 were High School or Equivalent (25.7k), Some college (19.7k), and Primary Education (15k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

Housing & Living

The median property value in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was $450,200 in 2023, which is 1.48 times larger than the national average of $303,400. Between 2022 and 2023 the median property value increased from $403,200 to $450,200, a 11.7% increase. The homeownership rate in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA is 66.1%, which is approximately the same as the national average of 65%.

People in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA have an average commute time of 36.1 minutes, and they drove alone to work. Car ownership in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA is approximately the same as the national average, with an average of 2 cars per household.

Median household income in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA is $86,900. In 2023, the PUMA with the highest Median Household Income in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was Santa Clara County (Southwest)--Cupertino, Saratoga Cities & Los Gatos Town PUMA, CA with a value of $229,111, followed by Santa Clara County (Northwest)--Palo Alto City & Los Altos Hills Town PUMA, CA and Contra Costa County (South)--San Ramon City & Danville Town PUMA, CA, with respective values of $210,275 and $208,750.

Housing

Property

$450,200

Median Property Value 2023

±$6,972

$17,270

Median Property Taxes

±$924

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA the largest share of households pay taxes in the $3k+ range.

The chart underneath the paragraph shows the property taxes in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA compared to it's parent and neighbor geographies.

Rent vs Own

66.1%

Homeownership

2023

74.6%

Homeowners with Mortgage

2023

In 2023, 66.1% of the housing units in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA were occupied by their owner. This percentage grew from the previous year's rate of 65.5%.

This chart shows the percentage of owner in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA compared it's parent and neighboring geographies.

Equity

Income by Location

Use the dropdown to filter by race/ethnicity.

Race/Ethnicity

Highest Median Household Income (Total)

In 2023, the PUMA with the highest Median Household Income (Total) in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was Santa Clara County (Southwest)--Cupertino, Saratoga Cities & Los Gatos Town PUMA, CA with a value of $229,111, followed by Santa Clara County (Northwest)--Palo Alto City & Los Altos Hills Town PUMA, CA and Contra Costa County (South)--San Ramon City & Danville Town PUMA, CA, with respective values of $210,275 and $208,750.

The following map shows all of the PUMAs in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA colored by their Median Household Income (Total).

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$86,900

Median Household Income

± $4,710

26.1k

Number of Households

± 1,231

In 2023, the median household income of the 26.1k households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA grew to $86,900 from the previous year's value of $81,525.

The following chart displays the households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $75k - $100k range.

Wage Distribution

0.414

2022 Wage GINI in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA

0.401

2021 Wage GINI in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA

In 2022, the income inequality in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was 0.414 according to the GINI calculation of the wage distribution. Income inequality had a 3.38% growth from 2021 to 2022, which means that wage distribution grew somewhat less even. The GINI for Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA in comparison to the national average.

This chart shows the number of workers in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA across various wage buckets compared to the national average.

Transportation

Commuter Transportation

Most Common Commute in 2023

Drove Alone (74.7%)
Carpooled (15.4%)
Worked At Home (7.4%)

In 2023, 74.7% of workers in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA drove alone to work, followed by those who carpooled to work (15.4%) and those who worked at home (7.4%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Commute Time

36.1 minutes

Average Travel Time

Using averages, employees in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA have a longer commute time (36.1 minutes) than the normal US worker (26.6 minutes). Additionally, 8.15% of the workforce in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA compares to that of it's neighboring and parent geographies.

Car Ownership

2 cars

Average Number

The following chart displays the households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA have 2 cars.

Poverty

Poverty & Diversity

12.3% of the population for whom poverty status is determined in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA (12.8k out of 104k people) live below the poverty line, a number that is lower than the national average of 12.4%. The largest demographic living in poverty are Females 35 - 44, followed by Females 25 - 34 and then Females 6 - 11.

The most common racial or ethnic group living below the poverty line in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA is Hispanic, followed by Other and White.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Health

89.5% of the population of Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA has health coverage, with 41.6% on employee plans, 32.4% on Medicaid, 6.28% on Medicare, 8.04% on non-group plans, and 1.26% on military or VA plans.

Primary care physicians in California see 1234 patients per year on average, which represents a 0.484% decrease from the previous year (1240 patients). Compare this to dentists who see 1102 patients per year, and mental health providers who see 236 patients per year.

Coverage

Patient to Clinician Ratios

Data is only available at the state level. Showing data for California.

1,234 to 1

Patient to Primary Care Physician Ratio in California

Primary care physicians in California see an average of 1,234 patients per year. This represents a 0.484% decrease from the previous year (1,240 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in California in comparison to its neighboring geographies.

Health Care Diversity

In 2023, insured persons according to age ranges were distributed in 29.2% under 18 years, 25.9% between 18 and 34 years, 36.3% between 35 and 64 years, and 8.62% over 64 years.

By gender, of the total number of insured persons, 49.4% were men and 50.6% were women.

The following chart shows the number of people with health coverage by gender.

Uninsured People

10.5%

Uninsured

41.6%

Employer Coverage

32.4%

Medicaid

6.28%

Medicare

8.04%

Non-Group

1.26%

Military or VA

Between 2022 and 2023, the percent of uninsured citizens in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA declined by 4.73% from 11% to 10.5%.

The following chart shows how the percent of uninsured individuals in Riverside County (Northwest)--Moreno Valley City (South) PUMA, CA changed over time compared with the percent of individuals enrolled in various types of health insurance.