Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD

Public Use Microdata Area (PUMA)

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2024 Population
110,844
US Senator
Chris Van Hollen
Democratic Party
US Senator
Angela Alsobrooks
Democratic Party
2024 Median Age
43
0.693% 1-year decrease
2024 Poverty Rate
14.8%
0.93% 1-year increase
2024 Median Household Income
$63,788
3.98% 1-year growth
2024 Median Property Value
$185,900
4.73% 1-year growth
2023 Employed Population
44,292
6.31% 1-year decline

About

3.19% of the households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD 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.

99.3% of the residents in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD are U.S. citizens.

The largest universities in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD are Frostburg State University (1,002 degrees awarded in 2023), Allegany College of Maryland (607 degrees), and Garrett College (98 degrees).

In 2024, the median property value in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was $185,900, and the homeownership rate was 74.1%.

Most people in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD drove alone to work, and the average commute time was 24.3 minutes. The average car ownership in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was 2 cars per household.

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Population & Diversity

Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD is home to a population of 111k people, from which 99.3% are citizens. As of 2024, 1.72% of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD residents were born outside of the country (1.9k people).

In 2024, there were 18.1 times more White (Non-Hispanic) residents (98.3k people) in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD than any other race or ethnicity. There were 5.44k Black or African American (Non-Hispanic) and 2.97k Two Races Excluding Other, & Three or More Races (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary language in households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD are Spanish (1,326 households), Yiddish, Pennsylvania Dutch or Other West Germanic Languages (503 households), and French (Incl. Cajun) (334 households).

Population & Diversity

Residents by Gender and Age

RACE/ETHNICITY
54,340
Women
48.8%
57,039
Men
51.2%

The resident population of United States in 2023 was 111,379 inhabitants, with 51.2% men, and 48.8% women.

The visualization shows the distribution of the residents by gender and age in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD.

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

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Citizenship

99.3%
2024 Citizenship
99.2%
2023 Citizenship

As of 2024, 99.3% of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD residents were US citizens, which is higher than the national average of 93.2%. In 2023, the percentage of US citizens in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was 99.2%, meaning that the rate of citizenship has been increasing.

The following chart shows US citizenship percentages in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD compared to that of it's neighboring and parent geographies.

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Diversity

Race and Ethnicity

The 3 largest ethnic groups in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD
  1. White (Non-Hispanic)
    98.3k ± 1.15k
  2. Black or African American (Non-Hispanic)
    5.44k ± 524
  3. Two Races Excluding Other, & Three or More Races (Non-Hispanic)
    2.97k ± 397
1.81%
Hispanic Population
2.01k people

In 2024, there were 18.1 times more White (Non-Hispanic) residents (98.3k people) in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD than any other race or ethnicity. There were 5.44k Black or African American (Non-Hispanic) and 2.97k Two Races Excluding Other, & Three or More Races (Non-Hispanic) residents, the second and third most common ethnic groups.

1.81% of the people in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD are hispanic (2.01k people).

The following chart shows the 8 races represented in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD as a share of the total population.

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Global Diversity

Most Common Origin
  1. El Salvador
    554 ± 576 people
  2. China
    257 ± 393 people
  3. Philippines
    235 ± 376 people

In 2023, the most common birthplace for the foreign-born residents of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was El Salvador, the natal country of 554 Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD residents, followed by China with 257 and Philippines with 235.

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Foreign-Born Population

1.72%
2024 Foreign-Born Population
1.9k people
1.82%
2023 Foreign-Born Population
2.02k people

As of 2024, 1.72% of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD residents (1.9k people) were born outside of the United States, which is approximately the same as the national average of 14%. In 2023, the percentage of foreign-born citizens in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was 1.82%, meaning that the rate has been decreasing.

The following chart shows the percentage of foreign-born residents in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD compared to that of it's neighboring and parent geographies.

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Non-English Households

Most Common Non-English Languages
  1. Spanish
    1,326 households (1.25%)
  2. Yiddish, Pennsylvania Dutch or Other West Germanic Languages
    503 households (0.475%)
  3. French (Incl. Cajun)
    334 households (0.316%)

3.19% of the households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD reported speaking a non-English language at home as their primary shared language, which is lower than the national average of 22.3%. 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 2024, the most common non-English language spoken in households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was Spanish. 1.25% of the households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD reported speaking Spanish at home as the primary shared language between all members living in the household.

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Military

Veterans

Most Common Service Period
  1. Vietnam
    2,606 ± 300
  2. Gulf War (1990s)
    1,147 ± 225
  3. Gulf War (2001-)
    1,096 ± 224

Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD has a large population of military personnel who served in Vietnam, 2.27 times greater than any other conflict.

The chart shows the distribution of veterans by conflict in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD.

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Economy

The economy of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD employs 44.3k people. In 2023, the largest industries in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD were Construction (3,010 people), Elementary & secondary schools (2,836 people), and Restaurants & Food Services (2,832 people), and the highest paying industries were Advertising, public relations & related services ($202,169), Legal services ($158,173), and Securities, commodities, funds, trusts & other financial investments ($132,259).

Males in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD have an average income that is 1.28 times higher than the average income of females, which is $55,879. The income inequality in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD (measured using the Gini index) is 0.433, which is lower than than the national average.

Employment

Workforce Diversity

Measure
RACE/ETHNICITY
20,525
Women
46.3%
23,767
Men
53.7%

The workforce of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD in 2023 was 44,292 people, with 46.3% woman, and 53.7% men.

The visualization shows the distribution of the workforce by gender and age in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD.

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

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Occupations

44.3k
2023 Value
−6.31%
1 Year decline
± −6.31%

From 2022 to 2023, employment in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD declined at a rate of −6.31%, from 47.3k employees to 44.3k employees.

The most common job groups, by number of people living in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD, are Driver/sales workers & truck drivers (1,435 people), Registered nurses (1,328 people), and Secretaries and administrative assistants, except legal, medical, and executive (1,047 people). This chart illustrates the share breakdown of the primary jobs held by residents of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD.

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Unemployment Insurance Claims

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

This chart shows weekly unemployment insurance claims in Maryland (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

44.3k
2023 Value
−6.31%
1 Year decline
± −6.31%

From 2022 to 2023, employment in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD declined at a rate of −6.31%, from 47.3k employees to 44.3k employees.

The most common employment sectors for those who live in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD, are Construction (3,010 people), Elementary & secondary schools (2,836 people), and Restaurants & Food Services (2,832 people). This chart shows the share breakdown of the primary industries for residents of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD, though some of these residents may live in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD and work somewhere else. Census data is tagged to a residential address, not a work address.

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Median Earnings by Industry

$51,285
Median earning men ± $2,117
$37,987
Median earning women ± $1,462

The industries with the best median earnings for men in 2024 are Public Administration ($77,386), Wholesale Trade ($65,096), and Transportation & Warehousing, & Utilities ($61,927).

The industries with the best median earnings for women in 2024 are Public Administration ($56,250), Transportation & Warehousing, & Utilities ($48,906), and Professional, Scientific, & Management, & Administrative & Waste Management Services ($48,199).

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Employment by Industry Sector

Data is only available at the state level. Showing data for Maryland.
Y-Axis
0.617%
Year-over-year growth
Employment change between February 2022 and February 2023

As of February 2023, there are 2.69M people employed in Maryland. This represents a 0.617% 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 13.9%.

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

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Civics

In the 2024 presidential election, the popular vote in Maryland went to Kamala Harris with 62.6% of the vote. The runner-up was Donald J. Trump (34.1%), followed by Jill Stein (1.09%).

Chris Van Hollen and Angela Alsobrooks are the senators currently representing the state of Maryland. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Maryland is currently represented by 8 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Voting results are not available for Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD. Showing the available data for Maryland.
2024 Election Results
  1. Kamala Harris (62.6%)
    Democratic Party
  2. Donald J. Trump (34.1%)
    Republican Party
  3. Jill Stein (1.09%)
    Green Party

In the 2024 presidential election, the popular vote in Maryland went to Kamala Harris with 62.6% of the vote. The runner-up was Donald J. Trump (34.1%), followed by Jill Stein (1.09%).

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

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Senator Elections

US Senators from Maryland

Senatorial voting results are only available at the state level. Showing data for Maryland.
Chris Van Hollen
Senator from Maryland3
Assumed office on January 3, 2017
Angela Alsobrooks
Senator from Maryland1
Assumed office on January 3, 2025

Chris Van Hollen and Angela Alsobrooks are the senators currently representing Maryland.

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 Maryland over time, excluding special elections, colored by their political party.

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Education

In 2023, universities in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD awarded 1,707 degrees. The student population of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD in 2023 is skewed towards women, with 2,988 male students and 4,453 female students.

Most students graduating from Universities in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD are White (1,222 and 72.3%), Black or African American (289 and 17.1%), Two or More Races (69 and 4.08%), and Hispanic or Latino (65 and 3.85%).

The largest universities in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD by number of degrees awarded are Frostburg State University (1,002 and 58.7%), Allegany College of Maryland (607 and 35.6%), and Garrett College (98 and 5.74%).

The most popular majors in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD are Registered Nursing (304 and 17.8%), General Business Administration & Management (143 and 8.38%), and Liberal Arts & Sciences (128 and 7.5%).

The median tuition cost in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD for a public four year colleges is $7,110 for in-state students and $22,292 for out-of-state students.

Admissions & Enrollments

Applicants, Admissions & Enrolled

University
Measure

In 2023 in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD, the percentage of applicants admitted was 89.4%, while the percentage of admitted who enrolled was 15.1%. The number of students enrolled in 2023 was 7,441 (40.2% men and 59.8% women).

The line chart  shows the evolution of the percentage of applicants admitted, admitted who enrolled or the number of students enrolled according to the option selected in the upper button.

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Enrollments by Gender and Races

Universities

In 2023 there were 7,441 students enrolled in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD, 40.2% men and 59.8% women.

By race, the largest number of students enrolled was concentrated in White with 4,925 records, of which 62.4% were women and 37.6% men.

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Completions

Concentrations

Most Common
  1. Liberal Arts & Sciences
    67 degrees awarded
  2. General Business Administration & Management
    67 degrees awarded
  3. Registered Nursing
    107 degrees awarded

In 2023, the most common concentation for Bachelors Degree recipients in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was Liberal Arts & Sciences with 67 degrees awarded.

This visualization illustrates the percentage of students graduating with a Bachelors Degree from schools in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD according to their major.

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Universities

Gender
Race
Largest Universities by degrees awarded
  1. Frostburg State University
    1,002 degrees awarded
  2. Allegany College of Maryland
    607 degrees awarded
  3. Garrett College
    98 degrees awarded

In 2023, the institution with the largest number of graduating students was Frostburg State University with 1,002 degrees awarded.

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Student Diversity

University

In 2023, 608 men were awarded degrees from institutions in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD, which is 0.553 times less than the 1,099 female students who received degrees in the same year.

In 2023, the most common race/ethnicity group awarded degrees at institutions was White students. These 1,222 degrees mean that there were 4.23 times more degrees awarded to White students then the next closest race/ethnicity group, Black or African American, with 289 degrees awarded.

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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.

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Tuition

Average Net Price by Sector

Universities

Public, 2-year ($8,142) is the sector with the highest median state tuition in 2023.

Public, 4-year or above ($2,888) is the sector with the highest median state fee in 2023.

Public, 4-year or above ($1,500) is the sector with the highest average net price of books and supplies.

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

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Working Population

Educational Pyramid

Measure

In 2023, 0.586% of men over 25 years of age had not completed any academic degree (no schooling), while 0.41% of women were in the same situation.

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

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Educational Attainment

Race

The most common educational levels obtained by the working population of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD in 2023 were High School or Equivalent (36.6k), Some college (19k), and Secondary Education (13.4k).

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.

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Housing & Living

The median property value in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was $185,900 in 2024, which is 0.559 times smaller than the national average of $332,700. Between 2023 and 2024 the median property value increased from $177,500 to $185,900, a 4.73% increase. The homeownership rate in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD is 74.1%, which is higher than the national average of 65.2%.

People in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD have an average commute time of 24.3 minutes, and they drove alone to work. Car ownership in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property

$185,900
Median Property Value 2024
±$6,504
$33,817
Median Property Taxes
±$1,259

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 Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD the largest share of households pay taxes in the $800 - $1,499 range.

The chart underneath the paragraph shows the property taxes in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD compared to it's parent and neighbor geographies.

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Rent vs Own

74.1%
Homeownership
2024
63.2%
Homeowners with Mortgage
2024

In 2024, 74.1% of the housing units in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD were occupied by their owner. This percentage declined from the previous year's rate of 74.4%.

This chart shows the percentage of owner in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD compared it's parent and neighboring geographies.

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Equity

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.
$63,788
Median Household Income
± $1,475
45.6k
Number of Households
± 1,543

In 2024, the median household income of the 45.6k households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD grew to $63,788 from the previous year's value of $61,346.

The following chart displays the households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD 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.

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Wage Distribution

0.433
2023 Wage GINI in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD
0.453
2022 Wage GINI in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD

In 2023, the income inequality in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was 0.433 according to the GINI calculation of the wage distribution. Income inequality had a 4.26% decline from 2022 to 2023, which means that wage distribution grew somewhat more even. The GINI for Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD was lower than than the national average of 0.476. In other words, wages are distributed more evenly in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD in comparison to the national average.

This chart shows the number of workers in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD across various wage buckets compared to the national average.

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Transportation

Commuter Transportation

Most Common Commute in 2024
  1. Drove Alone (77.7%)
  2. Worked At Home (9.49%)
  3. Carpooled (9.1%)

In 2024, 77.7% of workers in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD drove alone to work, followed by those who worked at home (9.49%) and those who carpooled to work (9.1%).

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.

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Commute Time

24.3 minutes
Average Travel Time

Using averages, employees in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD have a shorter commute time (24.3 minutes) than the normal US worker (26.4 minutes). Additionally, 3.49% of the workforce in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD compares to that of it's neighboring and parent geographies.

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Car Ownership

2 cars
Average Number

The following chart displays the households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD have 2 cars.

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Poverty

Poverty & Diversity

14.8% of the population for whom poverty status is determined in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD (15.4k out of 104k people) live below the poverty line, a number that is higher than the national average of 12.5%. The largest demographic living in poverty are Females 18 - 24, followed by Females 55 - 64 and then Males 55 - 64.

The most common racial or ethnic group living below the poverty line in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD is White, followed by Two Or More and Black.

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.

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Health

95.2% of the population of Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD has health coverage, with 42.4% on employee plans, 23.3% on Medicaid, 15.8% on Medicare, 12.2% on non-group plans, and 1.47% on military or VA plans.

Primary care physicians in Maryland see 1,179 patients per year on average, which represents a 0% change from the previous year (1,179 patients). Compare this to dentists who see 1238 patients per year, and mental health providers who see 273 patients per year.

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

Coverage

Patient to Clinician Ratios

Data is only available at the state level. Showing data for Maryland.
1,179 to 1
Patient to Primary Care Physician Ratio in Maryland

Primary care physicians in Maryland see an average of 1,179 patients per year. This represents a 0% change from the previous year (1,179 patients).

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

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Health Care Diversity

In 2024, insured persons according to age ranges were distributed in 20.7% under 18 years, 20.1% between 18 and 34 years, 37.5% between 35 and 64 years, and 21.7% 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.

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Uninsured People

4.81%
Uninsured
42.4%
Employer Coverage
23.3%
Medicaid
15.8%
Medicare
12.2%
Non-Group
1.47%
Military or VA

Between 2023 and 2024, the percent of uninsured citizens in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD declined by 0.331% from 4.83% to 4.81%.

The following chart shows how the percent of uninsured individuals in Allegany, Garrett & West Washington Counties--Hancock & Clear Spring PUMA, MD changed over time compared with the percent of individuals enrolled in various types of health insurance.

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