Charleston County, SC

County

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2019 Population

411,406

1.36% 1-year growth

US Senator

Lindsey Graham

Republican Party

US Senator

Tim Scott

Republican Party

2019 Median Age

38.4

0.524% 1-year increase

2019 Poverty Rate

13.7%

6.6% 1-year decrease

2019 Median Household Income

$71,531

12.7% 1-year growth

2019 Median Property Value

$342,500

0.765% 1-year growth

2019 Employed Population

210,904

1.28% 1-year growth

About

In 2019, Charleston County, SC had a population of 411k people with a median age of 38.4 and a median household income of $71,531. Between 2018 and 2019 the population of Charleston County, SC grew from 405,905 to 411,406, a 1.36% increase and its median household income grew from $63,459 to $71,531, a 12.7% increase.

The 5 largest ethnic groups in Charleston County, SC are White (Non-Hispanic) (64.8%), Black or African American (Non-Hispanic) (26.3%), White (Hispanic) (4.05%), Asian (Non-Hispanic) (1.71%), and Two+ (Non-Hispanic) (1.63%). 0% of the households in Charleston County, SC speak a non-English language at home as their primary language.

95.8% of the residents in Charleston County, SC are U.S. citizens.

The largest universities in Charleston County, SC are College of Charleston (2,549 degrees awarded in 2020), Trident Technical College (2,138 degrees), and Citadel Military College of South Carolina (1,085 degrees).

In 2019, the median property value in Charleston County, SC was $342,500, and the homeownership rate was 63.7%. Most people in Charleston County, SC drove alone to work, and the average commute time was 23 minutes. The average car ownership in Charleston County, SC was 2 cars per household.

Charleston County, SC borders Berkeley County, SC, Colleton County, SC, Dorchester County, SC, and Georgetown County, SC.

Photo by Roland Turner

United States South Carolina Charleston-North Charleston, SC

Diversity

Charleston County, SC is home to a population of 411k people, from which 95.8% are citizens. As of 2019, 5.28% of Charleston County, SC residents were born outside of the country (21.7k people).

In 2018, there were 2.46 times more White (Non-Hispanic) residents (263k people) in Charleston County, SC than any other race or ethnicity. There were 107k Black or African American (Non-Hispanic) and 16.4k White (Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in Charleston County, SC

White (Non-Hispanic)
263k ± 622
Black or African American (Non-Hispanic)
107k ± 1.37k
White (Hispanic)
16.4k ± 1.66k

5.09%

Hispanic Population

20.7k people

5.09% of the people in Charleston County, SC are hispanic (20.7k people).

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

Heritage

Foreign-Born Population

5.28%

2019 Foreign-Born Population

21.7k people

4.8%

2018 Foreign-Born Population

19.5k people

As of 2019, 5.28% of Charleston County, SC residents (21.7k people) were born outside of the United States, which is lower than the national average of 13.7%. In 2018, the percentage of foreign-born citizens in Charleston County, SC was 4.8%, meaning that the rate has been increasing.

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

Age by Nativity

Median Native-Born Age

± 0.5

Median Foreign-Born Age

± 4.3

In 2019, the median age of all people in Charleston County, SC was 38.4. Native-born citizens, with a median age of 39, were generally older than foreign-born citizens, with a median age of 36. But people in Charleston County, SC are getting getting older. In 2018, the average age of all Charleston County, SC residents was 38.

Global Diversity

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

Most Common Origin

Mexico
61,323 ± 6,043 people
Honduras
21,432 ± 3,587 people
India
16,010 ± 3,102 people

In 2019, the most common birthplace for the foreign-born residents of South Carolina was Mexico, the natal country of 61,323 South Carolina residents, followed by Honduras with 21,432 and India with 16,010.

Citizenship

95.8%

2019 Citizenship

96.8%

2018 Citizenship

As of 2019, 95.8% of Charleston County, SC residents were US citizens, which is higher than the national average of 93.4%. In 2018, the percentage of US citizens in Charleston County, SC was 96.8%, meaning that the rate of citizenship has been decreasing.

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

Military

Veterans

Most Common Service Period

Vietnam
9,651 ± 1,571
Gulf War (2001-)
6,572 ± 1,513
Gulf War (1990s)
4,849 ± 1,269

Charleston County, SC has a large population of military personnel who served in Vietnam, 1.47 times greater than any other conflict.

COVID-19

Daily New Cases by Date

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

Y-Axis

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

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Unemployment Insurance Claims

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

This chart shows weekly unemployment insurance claims in South Carolina (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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Employment by Industry Sector

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

Y-Axis

8.45%

Year-over-year growth

Employment change between May 2020 and May 2021

As of May 2021, there are 145M people employed in South Carolina. This represents a 8.45% increase in employment when compared to May 2020.

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

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Community Mobility

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

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

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Economy

Median household income in Charleston County, SC is $71,531. In 2019, the tract with the highest Median Household Income in Charleston County, SC was Census Tract 21.04 with a value of $193,750, followed by Census Tract 46.13 and Census Tract 2, with respective values of $178,021 and $151,750.

Males in South Carolina have an average income that is 1.38 times higher than the average income of females, which is $44,965. The income inequality in South Carolina (measured using the Gini index) is 0.459, which is lower than than the national average.

The economy of Charleston County, SC employs 211k people. The largest industries in Charleston County, SC are Health Care & Social Assistance (27,463 people), Accommodation & Food Services (24,337 people), and Professional, Scientific, & Technical Services (23,157 people), and the highest paying industries are Finance & Insurance ($80,958), Management of Companies & Enterprises ($76,058), and Professional, Scientific, & Technical Services ($75,319).

Wages

Median Household Income

$71,531

2019 value

± $2,664

12.7%

1 Year Growth

± 6.34%

Households in Charleston County, SC have a median annual income of $71,531, which is more than the median annual income of $65,712 across the entire United States. This is in comparison to a median income of $63,459 in 2018, which represents a 12.7% annual growth.

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

Wage by Sex in Common Jobs

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

$62,069

Average Male Salary in South Carolina

± $1,506

$44,965

Average Female Salary in South Carolina

± $1,052

In 2019, full-time male employees in South Carolina made 1.38 times more than female employees.

This chart shows the sex-based wage disparity in the 5 most common occupations in South Carolina 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 South Carolina.

Highest Average Salaries by Race & Ethnicity in South Carolina

Asian
$65,179 ± $9,434
Native Hawaiian and Other Pacific Islander
$59,283 ± $12,739
White
$52,982 ± $1,123

In 2019 the highest paid race/ethnicity of South Carolina workers was Asian. These workers were paid 1.1 times more than Native Hawaiian and Other Pacific Islander workers, who made the second highest salary of any race/ethnicity in South Carolina.

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

Wage Distribution

The closest comparable wage GINI for Charleston County, SC is from South Carolina.

0.459

2019 Wage GINI in South Carolina

0.464

2018 Wage GINI in South Carolina

In 2019, the income inequality in South Carolina was 0.459 according to the GINI calculation of the wage distribution. Income inequality had a 1.12% decline from 2018 to 2019, which means that wage distribution grew somewhat more even. The GINI for South Carolina was lower than than the national average of 0.478. In other words, wages are distributed more evenly in South Carolina in comparison to the national average.

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

Income by Location

Use the dropdown to filter by race/ethnicity.

Race/Ethnicity

Highest Median Household Income (Total)

Census Tract 21.04
Census Tract 46.13
Census Tract 2

In 2019, the tract with the highest Median Household Income (Total) in Charleston County, SC was Census Tract 21.04 with a value of $193,750, followed by Census Tract 46.13 and Census Tract 2, with respective values of $178,021 and $151,750.

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

Poverty by Age and Sex

Females 18 - 24

Largest Demographic Living in Poverty

13.7% of the population for whom poverty status is determined in Charleston County, SC (53.5k out of 389k people) live below the poverty line, a number that is higher than the national average of 12.3%. The largest demographic living in poverty are Females 18 - 24, followed by Females 25 - 34 and then Females 55 - 64.

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

Black
25,567 ± 1,283
White
23,087 ± 1,242
Hispanic
5,732 ± 545

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

Occupations

Employment by Occupations

211k

2019 Value

± 9,541

1.28%

1 Year growth

± 6.09%

From 2018 to 2019, employment in Charleston County, SC grew at a rate of 1.28%, from 208k employees to 211k employees.

The most common job groups, by number of people living in Charleston County, SC, are Management Occupations (29,292 people), Sales & Related Occupations (20,635 people), and Office & Administrative Support Occupations (20,539 people). This chart illustrates the share breakdown of the primary jobs held by residents of Charleston County, SC.

Most Common

The most common jobs held by residents of Charleston County, SC, by number of employees, are Management Occupations (29,292 people), Sales & Related Occupations (20,635 people), and Office & Administrative Support Occupations (20,539 people).

Most Specialized

Compared to other counties, Charleston County, SC has an unusually high number of residents working as Life, Physical, & Social Science Occupations (1.62 times higher than expected), Health Diagnosing & Treating Practitioners & Other Technical Occupations (1.46 times), and Legal Occupations (1.44 times).

Highest Paid

The highest paid jobs held by residents of Charleston County, SC, by median earnings, are Architecture & Engineering Occupations ($88,708), Business & Financial Operations Occupations ($80,073), and Legal Occupations ($76,142).

Industries

Employment by Industries

211k

2019 Value

± 9,541

1.28%

1 Year growth

± 6.09%

From 2018 to 2019, employment in Charleston County, SC grew at a rate of 1.28%, from 208k employees to 211k employees.

The most common employment sectors for those who live in Charleston County, SC, are Health Care & Social Assistance (27,463 people), Accommodation & Food Services (24,337 people), and Professional, Scientific, & Technical Services (23,157 people). This chart shows the share breakdown of the primary industries for residents of Charleston County, SC, though some of these residents may live in Charleston County, SC and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Charleston County, SC, by number of employees, are Health Care & Social Assistance (27,463 people), Accommodation & Food Services (24,337 people), and Professional, Scientific, & Technical Services (23,157 people).

Most Specialized

Compared to other counties, Charleston County, SC has an unusually high number of Accommodation & Food Services (1.53 times higher than expected), Professional, Scientific, & Technical Services (1.44 times), and Real Estate & Rental & Leasing (1.4 times) industries.

Highest Paying

The highest paying industries in Charleston County, SC, by median earnings, are Finance & Insurance ($80,958), Management of Companies & Enterprises ($76,058), and Professional, Scientific, & Technical Services ($75,319).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

In 2020, the top outbound South Carolina product (by dollars) was Motorized vehicles with $38.2B, followed by Plastics/rubber ($32.1B) and Machinery ($26.9B).

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

Domestic Trade Growth

Showing data for South Carolina.

$285B

2020 Value in South Carolina

$613B

Projected 2050 Value in South Carolina

115% growth

In 2020, total outbound South Carolina trade was $285B. This is expected to increase 115% to $613B by 2050.

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

Interstate Trade

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

Most Common Trade Partners

North Carolina
$30.1B
Georgia
$22.4B
Texas
$13.2B

In 2020, the top outbound South Carolina domestic partner for goods and services (by dollars) was North Carolina with $30.1B, followed by Georgia with $22.4B and Texas and $13.2B.

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

Civics

In the 2020 presidential election, the popular vote in Charleston County, SC went to Joseph R Biden Jr. with 55.5% of the vote. The runner-up was Donald J. Trump (42.6%), followed by Jo Jorgensen (1.45%). The most partisan county was Allendale County, SC with 75.6% of the vote going to Joseph R Biden Jr. running for the Democratic Party.

Lindsey Graham and Tim Scott are the senators currently representing the state of South Carolina. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

South Carolina is currently represented by 7 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Popular Vote Over Time

2020 Election Results

Joseph R Biden Jr. (55.5%)
Democratic Party
Donald J. Trump (42.6%)
Republican Party
Jo Jorgensen (1.45%)
Libertarian Party

The following chart shows the popular vote results in Charleston County, SC for each registered party from 1976 to 2020.

Presidential Popular Vote by County

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

Joseph R Biden Jr.

Popular Vote for Charleston County, SC

55.5% for the Democratic Party

Most Partisan Counties in South Carolina

Allendale County, SC
75.6% for Joseph R Biden Jr. (Democratic Party)
Pickens County, SC
74.6% for Donald J. Trump (Republican Party)
Oconee County, SC
73% for Donald J. Trump (Republican Party)

In the 2020 presidential election, the most partisan county in South Carolina was Allendale County, SC with 75.6% of the vote going to Joseph R Biden Jr. running for the Democratic Party.

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

US Senators from South Carolina

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

Lindsey Graham

Senator from South Carolina

Assumed office on January 3, 2003

Tim Scott

Senator from South Carolina

Assumed office on January 3, 2013
Appointed to the seat following the resignation of Jim DeMint.

Lindsey Graham and Tim Scott are the senators currently representing South Carolina.

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

US Representatives from South Carolina

South Carolina is currently represented by 7 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 South Carolina have changed over time starting in 2008.

Education

In 2020, universities in Charleston County, SC awarded 8,308 degrees. The student population of Charleston County, SC is skewed towards women, with 13,593 male students and 20,134 female students.

Most students graduating from Universities in Charleston County, SC are White (5,850 and 70.8%), followed by Black or African American (1,235 and 15%), Hispanic or Latino (358 and 4.34%), and Unknown (294 and 3.56%).

The largest universities in Charleston County, SC by number of degrees awarded are College of Charleston (2,549 and 30.7%), Trident Technical College (2,138 and 25.7%), and Citadel Military College of South Carolina (1,085 and 13.1%).

The most popular majors in Charleston County, SC are Liberal Arts & Sciences (527 and 6.34%), Registered Nursing (520 and 6.26%), and General Business Administration & Management (410 and 4.94%).

The median tuition costs in Charleston County, SC are $23,836 for private four year colleges, and $12,518 and $24,508 respectively, for public four year colleges for in-state students and out-of-state students.

Concentrations

Most Common

Registered Nursing
312 degree-majorss awarded
General Business Administration & Management
231 degree-majorss awarded
General Biological Sciences
229 degree-majorss awarded

In 2020, the most common concentation for Bachelors Degree recipients in Charleston County, SC was Registered Nursing with 312 degrees awarded.

This visualization illustrates the percentage of students graduating with a Bachelors Degree from schools in Charleston County, SC according to their major.

Universities

Largest Universities by degrees awarded

College of Charleston
2,549 degrees awarded
Trident Technical College
2,138 degrees awarded
Citadel Military College of South Carolina
1,085 degrees awarded

$12,518

Median In-State Public

$23,836

Median Private

In 2020, the Charleston County, SC institution with the largest number of graduating students was College of Charleston with 2,549 degrees awarded.

Student Sex for Common Institutions

3,402

Degrees Awarded to Men

4,906

Degrees Awarded to Women

In 2020, 3,402 men were awarded degrees from institutions in Charleston County, SC, which is 0.693 times less than the 4,906 female students who received degrees in the same year.

This chart displays the sex disparity between the institutions in Charleston County, SC by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
5,850 degrees awarded
Black or African American
1,235 degrees awarded
Hispanic or Latino
358 degrees awarded

In 2020 the most common race/ethnicity group awarded degrees at institutions in Charleston County, SC was White students. These 5,850 degrees mean that there were 4.74 times more degrees awarded to White students then the next closest race/ethnicity group, Black or African American, with 1,235 degrees awarded.

Housing & Living

The median property value in Charleston County, SC was $342,500 in 2019, which is 1.42 times larger than the national average of $240,500. Between 2018 and 2019 the median property value increased from $339,900 to $342,500, a 0.765% increase. The homeownership rate in Charleston County, SC is 63.7%, which is lower than the national average of 64.1%. People in Charleston County, SC have an average commute time of 23 minutes, and they drove alone to work. Car ownership in Charleston County, SC is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$342,500

2019 Median

± $11,549

$339,900

2018 Median

± $12,367

In 2019, the median property value in Charleston County, SC grew to to $342,500 from the previous year's value of $339,900.

The following charts display, first, the property values in Charleston County, SC 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 Charleston County, SC 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.

$71,531

Median Household Income

± $2,664

166k

Number of Households

± 7,680

In 2019, the median household income of the 166k households in Charleston County, SC grew to $71,531 from the previous year's value of $63,459.

The following chart displays the households in Charleston County, SC 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

$800 - $1,499

Average Range

This chart shows the households in Charleston County, SC distributed between a series of property tax buckets compared to the national averages for each bucket. In Charleston County, SC the largest share of households pay taxes in the $800 - $1,499 range.

Rent vs Own

63.7%

2019 Homeownership

62%

2018 Homeownership

In 2019, 63.7% of the housing units in Charleston County, SC were occupied by their owner. This percentage grew from the previous year's rate of 62%.

This percentage of owner-occupation is lower than the national average of 64.1%. This chart shows the ownership percentage in Charleston County, SC compared it's parent and neighboring geographies.

Commute Time

23 minutes

Average Travel Time

Using averages, employees in Charleston County, SC have a shorter commute time (23 minutes) than the normal US worker (26 minutes). Additionally, 1.76% of the workforce in Charleston County, SC have "super commutes" in excess of 90 minutes.

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

Commuter Transportation

Most Common Commute in 2019

Drove Alone (80.1%)
Worked At Home (7.3%)
Carpooled (6.7%)

In 2019, 80.1% of workers in Charleston County, SC drove alone to work, followed by those who worked at home (7.3%) and those who carpooled to work (6.7%).

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 Charleston County, SC distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Charleston County, SC have 2 cars, followed by false.

Health

88.6% of the population of Charleston County, SC has health coverage, with 51.1% on employee plans, 9.06% on Medicaid, 11.5% on Medicare, 14% on non-group plans, and 3.01% on military or VA plans.

Per capita personal health care spending in South Carolina was $7,311 in 2014. This is a 4.15% increase from the previous year ($7,020).

Primary care physicians in Charleston County, SC see 809 patients per year on average, which represents a 1.7% decrease from the previous year (823 patients). Compare this to dentists who see 912 patients per year, and mental health providers who see 276 patients per year.

Comparing across all counties in the state, Williamsburg County has the highest prevalence of diabetes (23.4%). Additionally, Union County has the highest prevalence of adult obesity (46.8%)

Patient to Clinician Ratios

809 to 1

Patient to Primary Care Physician Ratio in Charleston County, SC

Primary care physicians in Charleston County, SC see an average of 809 patients per year. This represents a 1.7% decrease from the previous year (823 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Charleston County, SC 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 South Carolina.

$7,311

Total Per Capita Spending on Personal Health Care in South Carolina

$4,235

Per Enrollee Private Health Insurance Spending on Personal Health Care

$5,491

Per Enrollee Medicaid Spending on Personal Health Care

$10,298

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in South Carolina (including private, Medicare, and Medicaid) grew 4.15%, from $7,020 to $7,311.

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

Health Care Coverage

11.4%

Uninsured

51.1%

Employer Coverage

9.06%

Medicaid

11.5%

Medicare

14%

Non-Group

3.01%

Military or VA

Between 2018 and 2019, the percent of uninsured citizens in Charleston County, SC grew by 30.2% from 8.78% to 11.4%.

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