Broward County, FL

County

Add Comparison

Population

1.95M

0.795% 1-year growth

US Senator

Marco Rubio

Republican Party

US Senator

Rick Scott

Republican Party

Median Age

40.4

Poverty Rate

13.5%

Median Household Income

$57,278

0.767% 1-year growth

Median Property Value

$277,600

6.48% 1-year growth

Number of Employees

973,193

1.29% 1-year growth

About

In 2018, Broward County, FL had a population of 1.95M people with a median age of 40.4 and a median household income of $57,278. Between 2017 and 2018 the population of Broward County, FL grew from 1.94M to 1.95M, a 0.795% increase and its median household income grew from $56,842 to $57,278, a 0.767% increase.

The 5 largest ethnic groups in Broward County, FL are White (Non-Hispanic) (35.3%), Black or African American (Non-Hispanic) (27.7%), White (Hispanic) (24.2%), Asian (Non-Hispanic) (3.65%), and Other (Hispanic) (3.46%). 42% of the people in Broward County, FL speak a non-English language, and 86.7% are U.S. citizens.

The largest universities in Broward County, FL are Broward College (12,856 degrees awarded in 2017), Nova Southeastern University (6,845 degrees), and Keiser University-Ft Lauderdale (4,678 degrees).

The median property value in Broward County, FL is $277,600, and the homeownership rate is 62.4%. Most people in Broward County, FL commute by Drove Alone, and the average commute time is 27.2 minutes. The average car ownership in Broward County, FL is 2 cars per household.

Broward County, FL borders Collier County, FL, Hendry County, FL, Miami-Dade County, FL, and Palm Beach County, FL.

About the photo: Fisherman's Pier in Ft. Lauderdale

Photo by Chris Foster

United States Florida Miami-Fort Lauderdale-West Palm Beach, FL

COVID-19

Daily New Cases by Date

Showing data at the state level for Florida. Hospitalization data for some states may be delayed or not reported.

This chart shows the number of COVID-19 daily new cases by date in Florida, as a 7-day rolling average, compared with the four states with the most similar number of confirmed cases.

View Full Dashboard

Impact on Employment

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

This chart shows weekly unemployment insurance claims in Florida (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.

View Full Dashboard

Community Mobility

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

This chart presents movement trends over time in the state of Florida across different categories of places such as retail and recreation, groceries and pharmacies, parks, transit stations, workplaces, and residential.

View Full Dashboard

Civics

In the 2016 presidential election, the popular vote in Broward County, FL went to Hillary Rodham Clinton with 66.5% of the vote. The runner-up was Donald J. Trump (31.4%), followed by Other (2.13%). The most partisan county was Holmes County, FL with 87.9% of the vote going to Donald J. Trump running for the Republican Party.

Marco Rubio and Rick Scott are the senators currently representing the state of Florida. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Florida is currently represented by 27 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Popular Vote Over Time

Showing data up to the 2016 election. Updated election results are currently being processed, and will be released in the coming months.

2016 Election Results

Hillary Rodham Clinton (66.5%)
Democratic Party
Donald J. Trump (31.4%)
Republican Party
Other (2.13%)
Other Party

In the 2016 presidential election, the popular vote in Florida went to Hillary Rodham Clinton with 66.5% of the vote. The runner-up was Donald J. Trump (31.4%), followed by Other (2.13%).

The following chart shows the popular vote results in Florida for each registered party from 1976 to 2016.

Presidential Popular Vote by County

Presidential voting results are only available at the county level. Showing data for the counties inside of Florida.

Showing data up to the 2016 election. Updated election results are currently being processed, and will be released in the coming months.

Hillary Rodham Clinton

Popular Vote for Broward County, FL

66.5% for the Democratic Party

Most Partisan Counties in Florida

Holmes County, FL
87.9% for Donald J. Trump (Republican Party)
Lafayette County, FL
82.8% for Donald J. Trump (Republican Party)
Baker County, FL
81.5% for Donald J. Trump (Republican Party)

In the 2016 presidential election, the most partisan county in Florida was Holmes County, FL with 87.9% of the vote going to Donald J. Trump running for the Republican Party.

The following map shows the counties in Florida colored by their party leaning.

US Senators from Florida

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

Marco Rubio

Senator from Florida

Assumed office on January 3, 2011

Rick Scott

Senator from Florida

Assumed office on January 8, 2019
Inauguration delayed in order to finish his term as Governor of Florida.

Marco Rubio and Rick Scott are the senators currently representing Florida.

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

US Representatives from Florida

Florida is currently represented by 27 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 Florida have changed over time starting in 2008.

Diversity

Broward County, FL is home to a population of 1.95M people, from which 86.7% are citizens. As of 2018, 32.9% of Broward County, FL residents were born outside of the country (643k people).

In 2018, there were 1.27 times more White (Non-Hispanic) residents (689k people) in Broward County, FL than any other race or ethnicity. There were 541k Black or African American (Non-Hispanic) and 472k White (Hispanic) residents, the second and third most common ethnic groups.

The most common foreign languages spoken in Broward County, FL are Spanish (498,658 speakers), Haitian (110,890 speakers), and Portuguese (33,735 speakers).

Race and Ethnicity

The 3 largest ethnic groups in Broward County, FL

White (Non-Hispanic)
689k ± 2.09k
Black or African American (Non-Hispanic)
541k ± 5.85k
White (Hispanic)
472k ± 11.7k

30.4%

Hispanic Population

594k people

30.4% of the people in Broward County, FL are hispanic (594k people).

The following chart shows the 7 races represented in Broward County, FL as a share of the total population.

Non-English Speakers

Most Common Languages

Spanish
498,658 speakers (27.1%)
Haitian
110,890 speakers (6.03%)
Portuguese
33,735 speakers (1.83%)

42% of Broward County, FL citizens are speakers of a non-English language, which is higher than the national average of 21.9%. In 2018, the most common non-English language spoken in Broward County, FL was Spanish. 27.1% of the overall population of Broward County, FL are native Spanish speakers. 6.03% speak Haitian and 1.83% speak Spanish, the next two most common languages.

Heritage

Foreign-Born Population

32.9%

2018 Foreign-Born Population

643k people

32.3%

2017 Foreign-Born Population

625k people

As of 2018, 32.9% of Broward County, FL residents (643k people) were born outside of the United States, which is higher than the national average of 13.7%. In 2017, the percentage of foreign-born citizens in Broward County, FL was 32.3%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Broward County, FL compared to that of it's neighboring and parent geographies.

Age by Nativity

Median Native-Born Age

± 0.5

Median Foreign-Born Age

± 0.7

In 2018, the median age of all people in Broward County, FL was 40.4. Native-born citizens, with a median age of 33, were generally younger than than foreign-born citizens, with a median age of 49. But people in Broward County, FL are getting getting older. In 2017, the average age of all Broward County, FL residents was 40.

Global Diversity

The PUMS dataset is not available at the County level, so we are showing data for Florida.

Most Common Origin

Cuba
1,028,508 ± 24,290 people
Haiti
339,246 ± 14,186 people
Colombia
285,400 ± 13,028 people

In 2018, the most common birthplace for the foreign-born residents of Florida was Cuba, the natal country of 1,028,508 Florida residents, followed by Haiti with 339,246 and Colombia with 285,400.

Citizenship

86.7%

2018 Citizenship

85.9%

2017 Citizenship

As of 2018, 86.7% of Broward County, FL residents were US citizens, which is lower than the national average of 93.2%. In 2017, the percentage of US citizens in Broward County, FL was 85.9%, meaning that the rate of citizenship has been increasing.

The following chart shows US citizenship percentages in Broward County, FL compared to that of it's neighboring and parent geographies.

Military

Veterans

Most Common Service Period

Vietnam
21,924 ± 2,150
Gulf War (2001-)
12,605 ± 2,087
Gulf War (1990s)
8,727 ± 1,884

Broward County, FL has a large population of military personnel who served in Vietnam, 1.74 times greater than any other conflict.

Economy

Median household income in Broward County, FL is $57,278. In 2018, the tract with the highest Median Household Income in Broward County, FL was Census Tract 105.03 with a value of $180,474, followed by Census Tract 703.06 and Census Tract 424, with respective values of $161,958 and $153,750.

Males in Florida have an average income that is 1.34 times higher than the average income of females, which is $46,612. The income inequality in Florida (measured using the Gini index) is 0.474, which is lower than than the national average.

The economy of Broward County, FL employs 973k people. The largest industries in Broward County, FL are Health Care & Social Assistance (127,730 people), Retail Trade (117,734 people), and Accommodation & Food Services (79,457 people), and the highest paying industries are Utilities ($60,445), Public Administration ($55,331), and Professional, Scientific, & Technical Services ($55,238).

Wages

Median Household Income

$57,278

2018 value

± $1,415

0.767%

1 Year Growth

± 3.36%

Households in Broward County, FL have a median annual income of $57,278, which is less than the median annual income of $61,937 across the entire United States. This is in comparison to a median income of $56,842 in 2017, which represents a 0.767% annual growth.

The following chart shows how the median household income in Broward County, FL compares to that of its neighboring and parent geographies.

Wage by Gender in Common Jobs

The PUMS dataset is not available at the County level, so we are showing data for Florida.

$62,257

Average Male Salary in Florida

± $878

$46,612

Average Female Salary in Florida

± $604

In 2018, full-time male employees in Florida made 1.34 times more than female employees.

This chart shows the gender-based wage disparity in the 5 most common occupations in Florida by number of full-time employees.

Wage by Race and Ethnicity in Common Jobs

The PUMS dataset is not available at the County level, so we are showing data for Florida.

Highest Average Salaries by Race & Ethnicity in Florida

Asian
$56,219 ± $3,256
White
$51,352 ± $590
American Indian
$40,596 ± $5,196

In 2018 the highest paid race/ethnicity of Florida workers was Asian. These workers were paid 1.09 times more than White workers, who made the second highest salary of any race/ethnicity in Florida.

This chart shows the race- and ethnicity-based wage disparities in the 5 most common occupations in Florida by number of full-time employees.

Wage Distribution

The closest comparable wage GINI for Broward County, FL is from Florida.

0.474

2018 Wage GINI in Florida

0.473

2017 Wage GINI in Florida

In 2018, the income inequality in Florida was 0.474 according to the GINI calculation of the wage distribution. Income inequality had a 0.214% growth from 2017 to 2018, which means that wage distribution grew somewhat less even. The GINI for Florida was lower than than the national average of 0.479. In other words, wages are distributed more evenly in Florida in comparison to the national average.

This chart shows the number of workers in Florida across various wage buckets compared to the national average.

Income by Location

Use the dropdown to filter by race/ethnicity.

Highest Median Household Income (Total)

Census Tract 105.03
Census Tract 703.06
Census Tract 424

In 2018, the tract with the highest Median Household Income (Total) in Broward County, FL was Census Tract 105.03 with a value of $180,474, followed by Census Tract 703.06 and Census Tract 424, with respective values of $161,958 and $153,750.

The following map shows all of the tracts in Broward County, FL colored by their Median Household Income (Total).

Poverty by Age and Gender

Females 25 - 34

Largest Demographic Living in Poverty

13.5% of the population for whom poverty status is determined in Broward County, FL (255k out of 1.89M people) live below the poverty line, a number that is higher than the national average of 13.1%. The largest demographic living in poverty are Females 25 - 34, followed by Females 35 - 44 and then Females 45 - 54.

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.

Poverty by Race and Ethnicity

Largest Race or Ethnicity Living in Poverty

White
125,763 ± 2,971
Black
101,772 ± 2,722
Hispanic
73,092 ± 2,437

The most common racial or ethnic group living below the poverty line in Broward County, FL is White, followed by Black and Hispanic.

Occupations

Employment by Occupations

973k

2018 Value

± 19,514

1.29%

1 Year growth

± 2.82%

From 2017 to 2018, employment in Broward County, FL grew at a rate of 1.29%, from 961k employees to 973k employees.

The most common job groups, by number of people living in Broward County, FL, are Office & Administrative Support Occupations (124,178 people), Sales & Related Occupations (119,768 people), and Management Occupations (103,998 people). This chart illustrates the share breakdown of the primary jobs held by residents of Broward County, FL.

Most Common

The most common jobs held by residents of Broward County, FL, by number of employees, are Office & Administrative Support Occupations (124,178 people), Sales & Related Occupations (119,768 people), and Management Occupations (103,998 people).

Most Specialized

Compared to other counties, Broward County, FL has an unusually high number of residents working as Legal Occupations (1.59 times higher than expected), Fire Fighting & Prevention, & Other Protective Service Workers Including Supervisors (1.51 times), and Building & Grounds Cleaning & Maintenance Occupations (1.28 times).

Highest Paid

The highest paid jobs held by residents of Broward County, FL, by median earnings, are Law Enforcement Workers Including Supervisors ($90,575), Architecture & Engineering Occupations ($75,308), and Legal Occupations ($71,850).

Industries

Employment by Industries

973k

2018 Value

± 19,514

1.29%

1 Year growth

± 2.82%

From 2017 to 2018, employment in Broward County, FL grew at a rate of 1.29%, from 961k employees to 973k employees.

The most common employment sectors for those who live in Broward County, FL, are Health Care & Social Assistance (127,730 people), Retail Trade (117,734 people), and Accommodation & Food Services (79,457 people). This chart shows the share breakdown of the primary industries for residents of Broward County, FL, though some of these residents may live in Broward County, FL and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Broward County, FL, by number of employees, are Health Care & Social Assistance (127,730 people), Retail Trade (117,734 people), and Accommodation & Food Services (79,457 people).

Most Specialized

Compared to other counties, Broward County, FL has an unusually high number of Management of Companies & Enterprises (1.75 times higher than expected), Real Estate & Rental & Leasing (1.68 times), and Administrative & Support & Waste Management Services (1.58 times) industries.

Highest Paying

The highest paying industries in Broward County, FL, by median earnings, are Utilities ($60,445), Public Administration ($55,331), and Professional, Scientific, & Technical Services ($55,238).

Domestic Trade

Domestic Production & Consumption

Domestic production and consumption consists of products and services shipped from Florida to other states, or from other states to Florida.

Top Domestic Production in Dollars

In 2015, the top outbound Florida product (by dollars) was Mixed freight with $57.1B, followed by Pharmaceuticals ($44.9B) and Gasoline ($41.8B).

The following chart shows the share of these products in relation to all outbound Florida products.

Domestic Trade Growth

Showing data for Florida.

$457B

2015 Value in Florida

$714B

Projected 2045 Value in Florida

56.2% growth

In 2015, total outbound Florida trade was $457B. This is expected to increase 56.2% to $714B by 2045.

The following chart shows how the domestic outbound Florida trade is projected to change in comparison to its neighboring states.

Interstate Trade

Interstate trade consists of products and services shipped from Florida to other states, or from other states to Florida.

Most Common Trade Partners

Georgia
$17.7B
Texas
$15.1B
California
$10.7B

In 2015, the top outbound Florida domestic partner for goods and services (by dollars) was Georgia with $17.7B, followed by Texas with $15.1B and California and $10.7B.

The following map shows the amount of trade that Florida shares with each state (excluding itself).

Education

In 2017, universities in Broward County, FL awarded 31,255 degrees. The student population of Broward County, FL is skewed towards women, with 36,037 male students and 60,821 female students.

Most students graduating from Universities in Broward County, FL are Hispanic or Latino (9,361 and 31.2%), followed by Black or African American (8,773 and 29.2%), White (8,329 and 27.8%), and Unknown (1,440 and 4.8%).

The largest universities in Broward County, FL by number of degrees awarded are Broward College (12,856 and 41.1%), Nova Southeastern University (6,845 and 21.9%), and Keiser University-Ft Lauderdale (4,678 and 15%).

The most popular majors in Broward County, FL are Liberal Arts & Sciences (5,271 and 16.9%), General Business Administration & Management (3,660 and 11.7%), and Registered Nursing (1,501 and 4.8%).

The median tuition costs in Broward County, FL are $11,880 for private four year colleges, and $1,968 and $1,968 respectively, for public four year colleges for in-state students and out-of-state students.

Concentrations

Most Common

Liberal Arts & Sciences
5,271 degree-majorss awarded
Registered Nursing
861 degree-majorss awarded
Occupational Therapist Assistant
431 degree-majorss awarded

In 2015, the most common concentation for Associates Degree recipients in Broward County, FL was Liberal Arts & Sciences with 5,271 degree-majorss awarded.

This visualization illustrates the percentage of students graduating with a Associates Degree from schools in Broward County, FL according to their major.

Universities

Largest Universities by degrees awarded

Broward College
12,856 degrees awarded
Nova Southeastern University
6,845 degrees awarded
Keiser University-Ft Lauderdale
4,678 degrees awarded

$1,968

Median In-State Public

$11,880

Median Private

In 2017, the Broward County, FL institution with the largest number of graduating students was Broward College with 12,856 degrees awarded.

Student Gender for Common Institutions

11,446

Degrees Awarded to Men

19,809

Degrees Awarded to Women

In 2017, 11,446 men were awarded degrees from institutions in Broward County, FL, which is 0.578 times less than the 19,809 female students who received degrees in the same year.

This chart displays the gender disparity between the top 5 institutions in Broward County, FL by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

Hispanic or Latino
9,361 degrees awarded
Black or African American
8,773 degrees awarded
White
8,329 degrees awarded

In 2017 the majority of degrees awarded at institutions in Broward County, FL were to Hispanic or Latino students. These 9,361 degrees mean that there were 1.07 times more Hispanic or Latino students then the next closest race/ethnicity group, Black or African American, with 8,773 degrees awarded.

Housing & Living

The median property value in Broward County, FL was $277,600 in 2018, which is 1.21 times larger than the national average of $229,700. Between 2017 and 2018 the median property value increased from $260,700 to $277,600, a 6.48% increase. The homeownership rate in Broward County, FL is 62.4%, which is lower than the national average of 63.9%. People in Broward County, FL have an average commute time of 27.2 minutes, and they commute by Drove Alone. Car ownership in Broward County, FL is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$277,600

2018 Median

± $5,132

$260,700

2017 Median

± $4,889

In 2018, the median property value in Broward County, FL grew to to $277,600 from the previous year's value of $260,700.

The following charts display, first, the property values in Broward County, FL compared to it's parent and neighbor geographies and, second, owner-occupied housing units distributed between a series of property value buckets compared to the national averages for each bucket. In Broward County, FL the largest share of households have a property value in the $300k - $400k range.

Household Income

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

$57,278

Median Household Income

± $1,415

695k

Number of Households

± 14,435

In 2018, the median household income of the 695k households in Broward County, FL grew to $57,278 from the previous year's value of $56,842.

The following chart displays the households in Broward County, FL 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.

Property Taxes

$3k+

Average Range

This chart shows the households in Broward County, FL distributed between a series of property tax buckets compared to the national averages for each bucket. In Broward County, FL the largest share of households pay taxes in the $3k+ range.

Rent vs Own

62.4%

2018 Homeownership

62.2%

2017 Homeownership

In 2018, 62.4% of the housing units in Broward County, FL were occupied by their owner. This percentage grew from the previous year's rate of 62.2%.

This percentage of owner-occupation is lower than the national average of 63.9%. This chart shows the ownership percentage in Broward County, FL compared it's parent and neighboring geographies.

Commute Time

27.2 minutes

Average Travel Time

Using averages, employees in Broward County, FL have a longer commute time (27.2 minutes) than the normal US worker (25.7 minutes). Additionally, 2.08% of the workforce in Broward County, FL have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Broward County, FL compares to that of it's neighboring and parent geographies.

Commuter Transportation

Most Common Method of Travel

Drove Alone
80.1%
Carpooled
8.57%
Worked At Home
5.2%

In 2018, the most common method of travel for workers in Broward County, FL was Drove Alone (80.1%), followed by those who Carpooled (8.57%) and those who Worked At Home (5.2%).

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.

Transportation

Car Ownership

2 cars

Average Number

The following chart displays the households in Broward County, FL distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Broward County, FL have 2 cars, followed by 1 car.

Health

85.4% of the population of Broward County, FL has health coverage, with 40.5% on employee plans, 14.8% on Medicaid, 12.1% on Medicare, 16.8% on non-group plans, and 1.32% on military or VA plans.

Per capita personal health care spending in Florida was $8,076 in 2014. This is a 5.05% increase from the previous year ($7,688).

Primary care physicians in Broward County, FL see 1383 patients per year on average, which represents a 0% change from the previous year (1383 patients). Compare this to dentists who see 1350 patients per year, and mental health providers who see 662 patients per year.

Comparing across all counties in the state, Gadsden County has the highest prevalence of diabetes (16.9%). Additionally, Liberty County has the highest prevalence of adult obesity (39.6%)

Patient to Clinician Ratios

1,383 to 1

Patient to Primary Care Physician Ratio in Broward County, FL

Primary care physicians in Broward County, FL see an average of 1,383 patients per year. This represents a 0% change from the previous year (1,383 patients).

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

Behavioral Health Conditions

Data only available at the state level.

State with the Highest Prevalence

West Virginia
8.26% of the population affected
Arkansas
8.13% of the population affected
New Hampshire
7.98% of the population affected

In 2016, West Virginia had the highest prevalence of adults with major depressive episode, with 8.26% of the population affected. The second highest is Arkansas (8.13%), followed by New Hampshire (7.98%).

The following map shows the percent of individuals with major depressive episode by state over multiple years.

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.

Access and Quality

Data only available at state level.

Most prevalent states

Mississippi
19.2% of adults
Texas
17.9% of adults
Louisiana
17.6% of adults

In 2016, Mississippi had the highest prevalence of adults who haven't seen a doctor in the past 12 months due to cost, at 19.2%. It is followed by Texas (17.9%) and Louisiana (17.6%).

The following map shows the prevalence of adults who haven't seen a doctor in the past 12 months due to cost by state over multiple years.

Health Care Spending

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

$8,076

Total Per Capita Spending on Personal Health Care in Florida

$4,606

Per Enrollee Private Health Insurance Spending on Personal Health Care

$5,175

Per Enrollee Medicaid Spending on Personal Health Care

$12,229

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Florida (including private, Medicare, and Medicaid) grew 5.05%, from $7,688 to $8,076.

The following chart shows how this spending changed over time in comparison to Medicaid, Medicare, and private insurance spending, per enrollee.

Health Care Coverage

14.6%

Uninsured

40.5%

Employer Coverage

14.8%

Medicaid

12.1%

Medicare

16.8%

Non-Group

1.32%

Military or VA

Between 2016 and 2017, the percent of uninsured citizens in Broward County, FL grew by 7.63% from 13.5% to 14.6%.

The following chart shows how the percent of uninsured individuals in Broward County, FL changed over time compared with the percent of individuals enrolled in various types of health insurance.