Crystal Lake, IL

Census Place

Add Comparison

Population

40,170

0.399% 1-year decline

US Senator

Dick Durbin

Democratic Party

US Senator

Tammy Duckworth

Democratic Party

Median Age

40.1

Poverty Rate

7.19%

Median Household Income

$87,221

4.15% 1-year growth

Median Property Value

$219,200

5.13% 1-year growth

Number of Employees

21,582

0.583% 1-year growth

About

In 2018, Crystal Lake, IL had a population of 40.2k people with a median age of 40.1 and a median household income of $87,221. Between 2017 and 2018 the population of Crystal Lake, IL declined from 40,331 to 40,170, a -0.399% decrease and its median household income grew from $83,746 to $87,221, a 4.15% increase.

The 5 largest ethnic groups in Crystal Lake, IL are White (Non-Hispanic) (81.6%), White (Hispanic) (11.4%), Asian (Non-Hispanic) (2.68%), Two+ (Non-Hispanic) (1.43%), and Black or African American (Non-Hispanic) (1.39%). NaNk% of the people in Crystal Lake, IL speak a non-English language, and 95.4% are U.S. citizens.

The largest universities in Crystal Lake, IL are McHenry County College (1,294 degrees awarded in 2017), First Institute Inc (129 degrees), and Cosmetology & Spa Academy (101 degrees).

The median property value in Crystal Lake, IL is $219,200, and the homeownership rate is 75%. Most people in Crystal Lake, IL commute by Drove Alone, and the average commute time is 29.8 minutes. The average car ownership in Crystal Lake, IL is 2 cars per household.

United States Illinois McHenry County, IL Chicago-Naperville-Elgin, IL-IN-WI McHenry County (North, West & Central) PUMA, IL Algonquin, McHenry & Nunda Townships PUMA, IL

COVID-19

Daily New Cases by Date

Showing data at the state level for Illinois. 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 Illinois, as a 7-day rolling average, compared with the four states with the most similar number of confirmed cases.

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Impact on Employment

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

This chart shows weekly unemployment insurance claims in Illinois (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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Community Mobility

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

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

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Civics

In the 2016 presidential election, the popular vote in McHenry County, IL went to Donald J. Trump with 50.5% of the vote. The runner-up was Hillary Rodham Clinton (42.9%), followed by Other (6.59%). The most partisan county was Wayne County, IL with 84.3% of the vote going to Donald J. Trump running for the Republican Party.

Dick Durbin and Tammy Duckworth are the senators currently representing the state of Illinois. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Illinois is currently represented by 18 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Popular Vote Over Time

Voting results are not available for Crystal Lake, IL. Showing the available data for McHenry County, IL.

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

Donald J. Trump (50.5%)
Republican Party
Hillary Rodham Clinton (42.9%)
Democratic Party
Other (6.59%)
Other Party

In the 2016 presidential election, the popular vote in Illinois went to Donald J. Trump with 50.5% of the vote. The runner-up was Hillary Rodham Clinton (42.9%), followed by Other (6.59%).

The following chart shows the popular vote results in Illinois 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 Illinois.

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

Donald J. Trump

Popular Vote for McHenry County, IL

50.5% for the Republican Party

Most Partisan Counties in Illinois

Wayne County, IL
84.3% for Donald J. Trump (Republican Party)
Edwards County, IL
83% for Donald J. Trump (Republican Party)
Clay County, IL
79.1% for Donald J. Trump (Republican Party)

In the 2016 presidential election, the most partisan county in Illinois was Wayne County, IL with 84.3% of the vote going to Donald J. Trump running for the Republican Party.

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

US Senators from Illinois

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

Dick Durbin

Senator from Illinois

Assumed office on January 3, 1997

Tammy Duckworth

Senator from Illinois

Assumed office on January 3, 2017

Dick Durbin and Tammy Duckworth are the senators currently representing Illinois.

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

US Representatives from Illinois

Illinois is currently represented by 18 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 Illinois have changed over time starting in 2008.

Diversity

Crystal Lake, IL is home to a population of 40.2k people, from which 95.4% are citizens. As of 2018, 9.42% of Crystal Lake, IL residents were born outside of the country (3.78k people).

In 2018, there were 7.17 times more White (Non-Hispanic) residents (32.8k people) in Crystal Lake, IL than any other race or ethnicity. There were 4.57k White (Hispanic) and 1.08k Asian (Non-Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in Crystal Lake, IL

White (Non-Hispanic)
32.8k ± 1.02k
White (Hispanic)
4.57k ± 728
Asian (Non-Hispanic)
1.08k ± 349

12.5%

Hispanic Population

5.02k people

12.5% of the people in Crystal Lake, IL are hispanic (5.02k people).

The following chart shows the 7 races represented in Crystal Lake, IL as a share of the total population.

Heritage

Foreign-Born Population

9.42%

2018 Foreign-Born Population

3.78k people

10%

2017 Foreign-Born Population

4.05k people

As of 2018, 9.42% of Crystal Lake, IL residents (3.78k people) were born outside of the United States, which is lower than the national average of 13.7%. In 2017, the percentage of foreign-born citizens in Crystal Lake, IL was 10%, meaning that the rate has been decreasing.

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

Age by Nativity

Median Native-Born Age

± 1.2

Median Foreign-Born Age

± 4.9

In 2018, the median age of all people in Crystal Lake, IL was 40.1. Native-born citizens, with a median age of 39, were generally younger than than foreign-born citizens, with a median age of 46. But people in Crystal Lake, IL are getting getting older. In 2017, the average age of all Crystal Lake, IL residents was 39.

Global Diversity

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

Most Common Origin

Mexico
669,904 ± 19,564 people
India
147,732 ± 9,382 people
Poland
136,910 ± 9,036 people

In 2017, the most common birthplace for the foreign-born residents of Illinois was Mexico, the natal country of 669,904 Illinois residents, followed by India with 147,732 and Poland with 136,910.

Citizenship

95.4%

2018 Citizenship

94.9%

2017 Citizenship

As of 2018, 95.4% of Crystal Lake, IL residents were US citizens, which is higher than the national average of 93.2%. In 2017, the percentage of US citizens in Crystal Lake, IL was 94.9%, meaning that the rate of citizenship has been increasing.

The following chart shows US citizenship percentages in Crystal Lake, IL compared to that of it's neighboring and parent geographies.

Military

Veterans

Most Common Service Period

Vietnam
572 ± 151
Gulf War (2001-)
313 ± 135
Gulf War (1990s)
250 ± 90

Crystal Lake, IL has a large population of military personnel who served in Vietnam, 1.83 times greater than any other conflict.

Economy

Median household income in Crystal Lake, IL is $87,221. In 2018, the place with the highest Median Household Income in Crystal Lake, IL was Census Tract 8712.08 with a value of $103,459, followed by Census Tract 8708.07 and Census Tract 8713.01, with respective values of $92,300 and $88,241.

Males in Illinois have an average income that is 1.37 times higher than the average income of females, which is $52,403. The income inequality in Illinois (measured using the Gini index) is 0.483, which is higher than than the national average.

The economy of Crystal Lake, IL employs 21.6k people. The largest industries in Crystal Lake, IL are Manufacturing (3,066 people), Retail Trade (2,494 people), and Health Care & Social Assistance (2,294 people), and the highest paying industries are Professional, Scientific, & Technical Services ($75,893), Public Administration ($74,654), and Information ($64,542).

Wages

Median Household Income

$87,221

2018 value

± $5,227

4.15%

1 Year Growth

± 6.82%

Households in Crystal Lake, IL have a median annual income of $87,221, which is more than the median annual income of $61,937 across the entire United States. This is in comparison to a median income of $83,746 in 2017, which represents a 4.15% annual growth.

The following chart shows how the median household income in Crystal Lake, IL compares to that of its neighboring and parent geographies.

Wage by Gender in Common Jobs

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

$71,579

Average Male Salary in Illinois

± $1,160

$52,403

Average Female Salary in Illinois

± $852

In 2017, full-time male employees in Illinois made 1.37 times more than female employees.

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

Wage by Race and Ethnicity in Common Jobs

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

Highest Average Salaries by Race & Ethnicity in Illinois

Asian
$65,613 ± $3,132
White
$56,297 ± $776
Native Hawaiian and Other Pacific Islander
$46,947 ± $14,340

In 2017 the highest paid race/ethnicity of Illinois workers was Asian. These workers were paid 1.17 times more than White workers, who made the second highest salary of any race/ethnicity in Illinois.

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

Wage Distribution

The closest comparable wage GINI for Crystal Lake, IL is from Illinois.

0.483

2017 Wage GINI in Illinois

0.481

2016 Wage GINI in Illinois

In 2017, the income inequality in Illinois was 0.483 according to the GINI calculation of the wage distribution. Income inequality had a 0.351% growth from 2016 to 2017, which means that wage distribution grew somewhat less even. The GINI for Illinois was higher than than the national average of 0.479. In other words, wages are distributed less evenly in Illinois in comparison to the national average.

This chart shows the number of workers in Illinois 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 8712.08
Census Tract 8708.07
Census Tract 8713.01

In 2018, the place with the highest Median Household Income (Total) in Crystal Lake, IL was Census Tract 8712.08 with a value of $103,459, followed by Census Tract 8708.07 and Census Tract 8713.01, with respective values of $92,300 and $88,241.

The following map shows all of the places in Crystal Lake, IL colored by their Median Household Income (Total).

Poverty by Age and Gender

Females 25 - 34

Largest Demographic Living in Poverty

7.19% of the population for whom poverty status is determined in Crystal Lake, IL (2.87k out of 39.9k people) live below the poverty line, a number that is lower than the national average of 13.1%. The largest demographic living in poverty are Females 25 - 34, followed by Males 45 - 54 and then Males 6 - 11.

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
2,547 ± 404
Hispanic
1,066 ± 311
Black
166 ± 134

The most common racial or ethnic group living below the poverty line in Crystal Lake, IL is White, followed by Hispanic and Black.

Occupations

Employment by Occupations

21.6k

2018 Value

± 957

0.583%

1 Year growth

± 6.15%

From 2017 to 2018, employment in Crystal Lake, IL grew at a rate of 0.583%, from 21.5k employees to 21.6k employees.

The most common job groups, by number of people living in Crystal Lake, IL, are Management Occupations (2,887 people), Sales & Related Occupations (2,741 people), and Office & Administrative Support Occupations (2,232 people). This chart illustrates the share breakdown of the primary jobs held by residents of Crystal Lake, IL.

Most Common

The most common jobs held by residents of Crystal Lake, IL, by number of employees, are Management Occupations (2,887 people), Sales & Related Occupations (2,741 people), and Office & Administrative Support Occupations (2,232 people).

Most Specialized

Compared to other places, Crystal Lake, IL has an unusually high number of residents working as Management Occupations (1.34 times higher than expected), Arts, Design, Entertainment, Sports, & Media Occupations (1.32 times), and Sales & Related Occupations (1.22 times).

Highest Paid

The highest paid jobs held by residents of Crystal Lake, IL, by median earnings, are Computer & Mathematical Occupations ($110,529), Legal Occupations ($107,778), and Computer, Engineering, & Science Occupations ($101,641).

Industries

Employment by Industries

21.6k

2018 Value

± 957

0.583%

1 Year growth

± 6.15%

From 2017 to 2018, employment in Crystal Lake, IL grew at a rate of 0.583%, from 21.5k employees to 21.6k employees.

The most common employment sectors for those who live in Crystal Lake, IL, are Manufacturing (3,066 people), Retail Trade (2,494 people), and Health Care & Social Assistance (2,294 people). This chart shows the share breakdown of the primary industries for residents of Crystal Lake, IL, though some of these residents may live in Crystal Lake, IL and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Crystal Lake, IL, by number of employees, are Manufacturing (3,066 people), Retail Trade (2,494 people), and Health Care & Social Assistance (2,294 people).

Most Specialized

Compared to other places, Crystal Lake, IL has an unusually high number of Management of Companies & Enterprises (2.14 times higher than expected), Manufacturing (1.41 times), and Information (1.29 times) industries.

Highest Paying

The highest paying industries in Crystal Lake, IL, by median earnings, are Professional, Scientific, & Technical Services ($75,893), Public Administration ($74,654), and Information ($64,542).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

In 2015, the top outbound Illinois product (by dollars) was Mixed freight with $76.6B, followed by Gasoline ($75B) and Pharmaceuticals ($66.8B).

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

Domestic Trade Growth

Showing data for Illinois.

$871B

2015 Value in Illinois

$1.31T

Projected 2045 Value in Illinois

50.5% growth

In 2015, total outbound Illinois trade was $871B. This is expected to increase 50.5% to $1.31T by 2045.

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

Interstate Trade

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

Most Common Trade Partners

Indiana
$63.2B
Wisconsin
$48.1B
Michigan
$32.6B

In 2015, the top outbound Illinois domestic partner for goods and services (by dollars) was Indiana with $63.2B, followed by Wisconsin with $48.1B and Michigan and $32.6B.

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

Education

In 2017, universities in Crystal Lake, IL awarded 1,524 degrees. The student population of Crystal Lake, IL is skewed towards women, with 3,262 male students and 4,031 female students.

Most students graduating from Universities in Crystal Lake, IL are White (1,096 and 72.1%), followed by Hispanic or Latino (250 and 16.4%), Unknown (100 and 6.57%), and Two or More Races (29 and 1.91%).

The largest universities in Crystal Lake, IL by number of degrees awarded are McHenry County College (1,294 and 84.9%), First Institute Inc (129 and 8.46%), and Cosmetology & Spa Academy (101 and 6.63%).

The most popular majors in Crystal Lake, IL are Biological & Physical Sciences (285 and 18.7%), Nursing Assistant & Patient Care Assistant (190 and 12.5%), and Liberal Arts & Sciences (135 and 8.86%).

The median tuition costs in Crystal Lake, IL are $N/A for private four year colleges, and $N/A and $N/A respectively, for public four year colleges for in-state students and out-of-state students.

Concentrations

Most Common

Nursing Assistant & Patient Care Assistant
190 degree-majorss awarded
Medical Assistant
91 degree-majorss awarded
Automobile Mechanics Technology
71 degree-majorss awarded

In 2015, the most common concentation for < 1 Year Postsecondary Certificate recipients in Crystal Lake, IL was Nursing Assistant & Patient Care Assistant with 190 degree-majorss awarded.

This visualization illustrates the percentage of students graduating with a < 1 Year Postsecondary Certificate from schools in Crystal Lake, IL according to their major.

Universities

Largest Universities by degrees awarded

McHenry County College
1,294 degrees awarded
First Institute Inc
129 degrees awarded
Cosmetology & Spa Academy
101 degrees awarded

$N/A

Median In-State Public

$N/A

Median Private

In 2017, the Crystal Lake, IL institution with the largest number of graduating students was McHenry County College with 1,294 degrees awarded.

Student Gender for Common Institutions

568

Degrees Awarded to Men

956

Degrees Awarded to Women

In 2017, 568 men were awarded degrees from institutions in Crystal Lake, IL, which is 0.594 times less than the 956 female students who received degrees in the same year.

This chart displays the gender disparity between the institutions in Crystal Lake, IL by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
1,096 degrees awarded
Hispanic or Latino
250 degrees awarded
Unknown
100 degrees awarded

In 2017 the majority of degrees awarded at institutions in Crystal Lake, IL were to White students. These 1,096 degrees mean that there were 4.38 times more White students then the next closest race/ethnicity group, Hispanic or Latino, with 250 degrees awarded.

Housing & Living

The median property value in Crystal Lake, IL was $219,200 in 2018, which is 0.954 times smaller than the national average of $229,700. Between 2017 and 2018 the median property value increased from $208,500 to $219,200, a 5.13% increase. The homeownership rate in Crystal Lake, IL is 75%, which is higher than the national average of 63.9%. People in Crystal Lake, IL have an average commute time of 29.8 minutes, and they commute by Drove Alone. Car ownership in Crystal Lake, IL is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$219,200

2018 Median

± $4,526

$208,500

2017 Median

± $6,387

In 2018, the median property value in Crystal Lake, IL grew to to $219,200 from the previous year's value of $208,500.

The following charts display, first, the property values in Crystal Lake, IL 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 Crystal Lake, IL the largest share of households have a property value in the N/A range.

Household Income

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

$87,221

Median Household Income

± $5,227

14.7k

Number of Households

± 733

In 2018, the median household income of the 14.7k households in Crystal Lake, IL grew to $87,221 from the previous year's value of $83,746.

The following chart displays the households in Crystal Lake, IL 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 Crystal Lake, IL distributed between a series of property tax buckets compared to the national averages for each bucket. In Crystal Lake, IL the largest share of households pay taxes in the $3k+ range.

Rent vs Own

75%

2018 Homeownership

74.2%

2017 Homeownership

In 2018, 75% of the housing units in Crystal Lake, IL were occupied by their owner. This percentage grew from the previous year's rate of 74.2%.

This percentage of owner-occupation is higher than the national average of 63.9%. This chart shows the ownership percentage in Crystal Lake, IL compared it's parent and neighboring geographies.

Commute Time

29.8 minutes

Average Travel Time

Using averages, employees in Crystal Lake, IL have a longer commute time (29.8 minutes) than the normal US worker (25.3 minutes). Additionally, 5.36% of the workforce in Crystal Lake, IL have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Crystal Lake, IL compares to that of it's neighboring and parent geographies.

Commuter Transportation

Most Common Method of Travel

Drove Alone
81.6%
Carpooled
7.14%
Worked At Home
5.7%

In 2018, the most common method of travel for workers in Crystal Lake, IL was Drove Alone (81.6%), followed by those who Carpooled (7.14%) and those who Worked At Home (5.7%).

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 Crystal Lake, IL distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Crystal Lake, IL have 2 cars, followed by 3 cars.

Health

95.2% of the population of Crystal Lake, IL has health coverage, with 63.7% on employee plans, 9.04% on Medicaid, 11.2% on Medicare, 10.6% on non-group plans, and 0.731% on military or VA plans.

Per capita personal health care spending in Illinois was $8,262 in 2014. This is a 4.44% increase from the previous year ($7,911).

Primary care physicians in McHenry County, IL see 1829 patients per year on average, which represents a 1.77% decrease from the previous year (1862 patients). Compare this to dentists who see 1668 patients per year, and mental health providers who see 625 patients per year.

Comparing across all counties in the state, St. Clair County and Stephenson County have the highest prevalence of diabetes (12.7%). Additionally, Stephenson County has the highest prevalence of adult obesity (35.7%)

Patient to Clinician Ratios

Data is only available at the country level. Showing data for McHenry County, IL.

1,829 to 1

Patient to Primary Care Physician Ratio in McHenry County, IL

Primary care physicians in McHenry County, IL see an average of 1,829 patients per year. This represents a 1.77% decrease from the previous year (1,862 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in McHenry County, IL 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 Illinois.

$8,262

Total Per Capita Spending on Personal Health Care in Illinois

$4,875

Per Enrollee Private Health Insurance Spending on Personal Health Care

$4,959

Per Enrollee Medicaid Spending on Personal Health Care

$11,116

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Illinois (including private, Medicare, and Medicaid) grew 4.44%, from $7,911 to $8,262.

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

Health Care Coverage

4.8%

Uninsured

63.7%

Employer Coverage

9.04%

Medicaid

11.2%

Medicare

10.6%

Non-Group

0.731%

Military or VA

Between 2017 and 2018, the percent of uninsured citizens in Crystal Lake, IL declined by 17.1% from 5.79% to 4.8%.

The following chart shows how the percent of uninsured individuals in Crystal Lake, IL changed over time compared with the percent of individuals enrolled in various types of health insurance.