DeKalb County, GA

County

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2020 Population

755,287

0.796% 1-year growth

US Senator

Jon Ossoff

Democratic Party

US Senator

Raphael Warnock

Democratic Party

2020 Median Age

35.9

0.279% 1-year increase

2020 Poverty Rate

14.4%

4.79% 1-year decrease

2020 Median Household Income

$65,116

4.35% 1-year growth

2020 Median Property Value

$235,300

9.14% 1-year growth

2020 Employed Population

384,519

0.404% 1-year growth

About

In 2020, DeKalb County, GA had a population of 755k people with a median age of 35.9 and a median household income of $65,116. Between 2019 and 2020 the population of DeKalb County, GA grew from 749,323 to 755,287, a 0.796% increase and its median household income grew from $62,399 to $65,116, a 4.35% increase.

The 5 largest ethnic groups in DeKalb County, GA are Black or African American (Non-Hispanic) (52.8%), White (Non-Hispanic) (29.1%), Asian (Non-Hispanic) (6.1%), White (Hispanic) (4.37%), and Two+ (Non-Hispanic) (2.91%).

None of the households in DeKalb County, GA 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.

91% of the residents in DeKalb County, GA are U.S. citizens.

The largest universities in DeKalb County, GA are Emory University (4,966 degrees awarded in 2020), Georgia Piedmont Technical College (1,825 degrees), and Strayer University-Georgia (1,119 degrees).

In 2020, the median property value in DeKalb County, GA was $235,300, and the homeownership rate was 55.7%. Most people in DeKalb County, GA drove alone to work, and the average commute time was 32 minutes. The average car ownership in DeKalb County, GA was 2 cars per household.

DeKalb County, GA borders Clayton County, GA, Fulton County, GA, Gwinnett County, GA, Henry County, GA, and Rockdale County, GA.

About the photo: Stone Mountain

Photo by Katie

United States Georgia Atlanta-Sandy Springs-Roswell, GA

Diversity

DeKalb County, GA is home to a population of 755k people, from which 91% are citizens. As of 2020, 16% of DeKalb County, GA residents were born outside of the country (120k people).

In 2020, there were 1.82 times more Black or African American (Non-Hispanic) residents (399k people) in DeKalb County, GA than any other race or ethnicity. There were 220k White (Non-Hispanic) and 46.1k Asian (Non-Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in DeKalb County, GA

Black or African American (Non-Hispanic)
399k ± 2.51k
White (Non-Hispanic)
220k ± 456
Asian (Non-Hispanic)
46.1k ± 889

8.44%

Hispanic Population

63.7k people

8.44% of the people in DeKalb County, GA are hispanic (63.7k people).

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

Heritage

Foreign-Born Population

16%

2020 Foreign-Born Population

120k people

16%

2019 Foreign-Born Population

120k people

As of 2020, 16% of DeKalb County, GA residents (120k people) were born outside of the United States, which is higher than the national average of 13.5%. In 2019, the percentage of foreign-born citizens in DeKalb County, GA was 16%, meaning that the rate has been decreasing.

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

Age by Nativity

Median Native-Born Age

± 0.2

Median Foreign-Born Age

± 0.8

In 2020, the median age of all people in DeKalb County, GA was 35.9. Native-born citizens, with a median age of 35, were generally younger than foreign-born citizens, with a median age of 40. But people in DeKalb County, GA are getting getting older. In 2019, the average age of all DeKalb County, GA residents was 36.

Global Diversity

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

Most Common Origin

Mexico
234,298 ± 11,751 people
India
98,606 ± 7,673 people
Jamaica
44,462 ± 5,166 people

In 2020, the most common birthplace for the foreign-born residents of Georgia was Mexico, the natal country of 234,298 Georgia residents, followed by India with 98,606 and Jamaica with 44,462.

Citizenship

91%

2020 Citizenship

90.7%

2019 Citizenship

As of 2020, 91% of DeKalb County, GA residents were US citizens, which is lower than the national average of 93.4%. In 2019, the percentage of US citizens in DeKalb County, GA was 90.7%, meaning that the rate of citizenship has been increasing.

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

Military

Veterans

Most Common Service Period

Vietnam
9,607 ± 856
Gulf War (2001-)
8,315 ± 1,157
Gulf War (1990s)
7,680 ± 1,046

DeKalb County, GA has a large population of military personnel who served in Vietnam, 1.16 times greater than any other conflict.

COVID-19

Daily New Cases by Date

Showing data at the state level for Georgia. 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 Georgia, 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 Georgia.

This chart shows weekly unemployment insurance claims in Georgia (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 Georgia.

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 Georgia. 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 Georgia.

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Community Mobility

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

This chart presents movement trends over time in the state of Georgia 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 DeKalb County, GA is $65,116. In 2020, the tract with the highest Median Household Income in DeKalb County, GA was Census Tract 211.01 with a value of $217,917, followed by Census Tract 224.03 and Census Tract 216.04, with respective values of $204,167 and $193,750.

Males in Georgia have an average income that is 1.35 times higher than the average income of females, which is $51,276. The income inequality in Georgia (measured using the Gini index) is 0.476, which is lower than than the national average.

The economy of DeKalb County, GA employs 385k people. The largest industries in DeKalb County, GA are Health Care & Social Assistance (48,658 people), Professional, Scientific, & Technical Services (44,513 people), and Retail Trade (39,582 people), and the highest paying industries are Management of Companies & Enterprises ($87,656), Mining, Quarrying, & Oil & Gas Extraction ($81,635), and Professional, Scientific, & Technical Services ($76,964).

Wages

Median Household Income

$65,116

2020 value

± $1,327

4.35%

1 Year Growth

± 2.42%

Households in DeKalb County, GA have a median annual income of $65,116, which is more than the median annual income of $64,994 across the entire United States. This is in comparison to a median income of $62,399 in 2019, which represents a 4.35% annual growth.

The following chart shows how the median household income in DeKalb County, GA 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 Georgia.

$69,082

Average Male Salary in Georgia

± $1,257

$51,276

Average Female Salary in Georgia

± $897

In 2020, full-time male employees in Georgia made 1.35 times more than female employees.

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

Highest Average Salaries by Race & Ethnicity in Georgia

Asian
$68,689 ± $4,099
White
$60,077 ± $1,041
Two or More Races
$48,607 ± $3,907

In 2020 the highest paid race/ethnicity of Georgia workers was Asian. These workers were paid 1.14 times more than White workers, who made the second highest salary of any race/ethnicity in Georgia.

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

Wage Distribution

The closest comparable wage GINI for DeKalb County, GA is from Georgia.

0.476

2020 Wage GINI in Georgia

0.477

2019 Wage GINI in Georgia

In 2020, the income inequality in Georgia was 0.476 according to the GINI calculation of the wage distribution. Income inequality had a 0.302% decline from 2019 to 2020, which means that wage distribution grew somewhat more even. The GINI for Georgia was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Georgia in comparison to the national average.

This chart shows the number of workers in Georgia 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 211.01
Census Tract 224.03
Census Tract 216.04

In 2020, the tract with the highest Median Household Income (Total) in DeKalb County, GA was Census Tract 211.01 with a value of $217,917, followed by Census Tract 224.03 and Census Tract 216.04, with respective values of $204,167 and $193,750.

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

Poverty by Age and Sex

Females 25 - 34

Largest Demographic Living in Poverty

14.4% of the population for whom poverty status is determined in DeKalb County, GA (107k out of 741k people) live below the poverty line, a number that is higher than the national average of 12.8%. The largest demographic living in poverty are Females 25 - 34, followed by Females 6 - 11 and then Females 35 - 44.

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
68,134 ± 2,745
White
18,876 ± 1,133
Hispanic
13,647 ± 943

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

Occupations

Employment by Occupations

385k

2020 Value

± 5,748

0.404%

1 Year growth

± 1.96%

From 2019 to 2020, employment in DeKalb County, GA grew at a rate of 0.404%, from 383k employees to 385k employees.

The most common job groups, by number of people living in DeKalb County, GA, are Management Occupations (42,714 people), Office & Administrative Support Occupations (41,694 people), and Sales & Related Occupations (38,548 people). This chart illustrates the share breakdown of the primary jobs held by residents of DeKalb County, GA.

Most Common

The most common jobs held by residents of DeKalb County, GA, by number of employees, are Management Occupations (42,714 people), Office & Administrative Support Occupations (41,694 people), and Sales & Related Occupations (38,548 people).

Most Specialized

Compared to other counties, DeKalb County, GA has an unusually high number of residents working as Legal Occupations (1.68 times higher than expected), Life, Physical, & Social Science Occupations (1.55 times), and Arts, Design, Entertainment, Sports, & Media Occupations (1.5 times).

Highest Paid

The highest paid jobs held by residents of DeKalb County, GA, by median earnings, are Legal Occupations ($102,108), Architecture & Engineering Occupations ($84,345), and Management Occupations ($82,150).

Industries

Employment by Industries

385k

2020 Value

± 5,748

0.404%

1 Year growth

± 1.96%

From 2019 to 2020, employment in DeKalb County, GA grew at a rate of 0.404%, from 383k employees to 385k employees.

The most common employment sectors for those who live in DeKalb County, GA, are Health Care & Social Assistance (48,658 people), Professional, Scientific, & Technical Services (44,513 people), and Retail Trade (39,582 people). This chart shows the share breakdown of the primary industries for residents of DeKalb County, GA, though some of these residents may live in DeKalb County, GA and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in DeKalb County, GA, by number of employees, are Health Care & Social Assistance (48,658 people), Professional, Scientific, & Technical Services (44,513 people), and Retail Trade (39,582 people).

Most Specialized

Compared to other counties, DeKalb County, GA has an unusually high number of Information (1.81 times higher than expected), Professional, Scientific, & Technical Services (1.56 times), and Transportation & Warehousing (1.4 times) industries.

Highest Paying

The highest paying industries in DeKalb County, GA, by median earnings, are Management of Companies & Enterprises ($87,656), Mining, Quarrying, & Oil & Gas Extraction ($81,635), and Professional, Scientific, & Technical Services ($76,964).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

In 2020, the top outbound Georgia product (by dollars) was Motorized vehicles with $68.9B, followed by Mixed freight ($63.5B) and Electronics ($51.2B).

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

Domestic Trade Growth

Showing data for Georgia.

$626B

2020 Value in Georgia

$1.3T

Projected 2050 Value in Georgia

108% growth

In 2020, total outbound Georgia trade was $626B. This is expected to increase 108% to $1.3T by 2050.

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

Interstate Trade

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

Most Common Trade Partners

Florida
$57.7B
Tennessee
$34B
North Carolina
$30.2B

In 2020, the top outbound Georgia domestic partner for goods and services (by dollars) was Florida with $57.7B, followed by Tennessee with $34B and North Carolina and $30.2B.

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

Civics

In the 2020 presidential election, the popular vote in DeKalb County, GA went to Joseph R Biden Jr. with 83.1% of the vote. The runner-up was Donald J. Trump (15.7%), followed by Jo Jorgensen (1.13%). The most partisan county was Brantley County, GA with 90.3% of the vote going to Donald J. Trump running for the Republican Party.

Jon Ossoff and Raphael Warnock are the senators currently representing the state of Georgia. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Georgia is currently represented by 14 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. (83.1%)
Democratic Party
Donald J. Trump (15.7%)
Republican Party
Jo Jorgensen (1.13%)
Libertarian Party

The following chart shows the popular vote results in DeKalb County, GA 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 Georgia.

Joseph R Biden Jr.

Popular Vote for DeKalb County, GA

83.1% for the Democratic Party

Most Partisan Counties in Georgia

Brantley County, GA
90.3% for Donald J. Trump (Republican Party)
Glascock County, GA
89.6% for Donald J. Trump (Republican Party)
Banks County, GA
88.6% for Donald J. Trump (Republican Party)

In the 2020 presidential election, the most partisan county in Georgia was Brantley County, GA with 90.3% of the vote going to Donald J. Trump running for the Republican Party.

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

US Senators from Georgia

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

Jon Ossoff

Senator from Georgia

Assumed office on January 20, 2021

Raphael Warnock

Senator from Georgia

Assumed office on January 20, 2021
Elected to the seat to succeed Kelly Loeffler, who had been appointed to the seat following the resignation of Johnny Isakson.

Jon Ossoff and Raphael Warnock are the senators currently representing Georgia.

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

US Representatives from Georgia

Georgia is currently represented by 14 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 Georgia have changed over time starting in 2008.

Education

In 2020, universities in DeKalb County, GA awarded 9,728 degrees. The student population of DeKalb County, GA is skewed towards women, with 10,191 male students and 19,989 female students.

Most students graduating from Universities in DeKalb County, GA are Black or African American (3,490 and 39.7%), followed by White (3,103 and 35.3%), Asian (952 and 10.8%), and Hispanic or Latino (667 and 7.58%).

The largest universities in DeKalb County, GA by number of degrees awarded are Emory University (4,966 and 51%), Georgia Piedmont Technical College (1,825 and 18.8%), and Strayer University-Georgia (1,119 and 11.5%).

The most popular majors in DeKalb County, GA are General Business Administration & Management (1,137 and 11.7%), General Business (567 and 5.83%), and Registered Nursing (365 and 3.75%).

The median tuition cost in DeKalb County, GA for private four year colleges is $42,400.

Concentrations

Most Common

General Business Administration & Management
431 degree-majorss awarded
Registered Nursing
364 degree-majorss awarded
General Business
349 degree-majorss awarded

In 2020, the most common concentation for Bachelors Degree recipients in DeKalb County, GA was General Business Administration & Management with 431 degrees awarded.

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

Universities

Largest Universities by degrees awarded

Emory University
4,966 degrees awarded
Georgia Piedmont Technical College
1,825 degrees awarded
Strayer University-Georgia
1,119 degrees awarded

$42,400

Median Private

In 2020, the DeKalb County, GA institution with the largest number of graduating students was Emory University with 4,966 degrees awarded.

Student Sex for Common Institutions

3,652

Degrees Awarded to Men

6,076

Degrees Awarded to Women

In 2020, 3,652 men were awarded degrees from institutions in DeKalb County, GA, which is 0.601 times less than the 6,076 female students who received degrees in the same year.

This chart displays the sex disparity between the top 5 institutions in DeKalb County, GA by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

Black or African American
3,490 degrees awarded
White
3,103 degrees awarded
Asian
952 degrees awarded

In 2020 the most common race/ethnicity group awarded degrees at institutions in DeKalb County, GA was Black or African American students. These 3,490 degrees mean that there were 1.12 times more degrees awarded to Black or African American students then the next closest race/ethnicity group, White, with 3,103 degrees awarded.

Housing & Living

The median property value in DeKalb County, GA was $235,300 in 2020, which is 1.02 times larger than the national average of $229,800. Between 2019 and 2020 the median property value increased from $215,600 to $235,300, a 9.14% increase. The homeownership rate in DeKalb County, GA is 55.7%, which is lower than the national average of 64.4%. People in DeKalb County, GA have an average commute time of 32 minutes, and they drove alone to work. Car ownership in DeKalb County, GA is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$235,300

2020 Median

± $4,687

$215,600

2019 Median

± $3,620

In 2020, the median property value in DeKalb County, GA grew to to $235,300 from the previous year's value of $215,600.

The following charts display, first, the property values in DeKalb County, GA 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 DeKalb County, GA 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.

$65,116

Median Household Income

± $1,327

284k

Number of Households

± 4,750

In 2020, the median household income of the 284k households in DeKalb County, GA grew to $65,116 from the previous year's value of $62,399.

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

Rent vs Own

55.7%

2020 Homeownership

54.6%

2019 Homeownership

In 2020, 55.7% of the housing units in DeKalb County, GA were occupied by their owner. This percentage grew from the previous year's rate of 54.6%.

This percentage of owner-occupation is lower than the national average of 64.4%. This chart shows the ownership percentage in DeKalb County, GA compared it's parent and neighboring geographies.

Commute Time

32 minutes

Average Travel Time

Using averages, employees in DeKalb County, GA have a longer commute time (32 minutes) than the normal US worker (26.9 minutes). Additionally, 3.4% of the workforce in DeKalb County, GA have "super commutes" in excess of 90 minutes.

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

Commuter Transportation

Most Common Commute in 2020

Drove Alone (69.6%)
Worked At Home (10.2%)
Carpooled (10%)

In 2020, 69.6% of workers in DeKalb County, GA drove alone to work, followed by those who worked at home (10.2%) and those who carpooled to work (10%).

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

Health

86.7% of the population of DeKalb County, GA has health coverage, with 48.8% on employee plans, 15.7% on Medicaid, 8.99% on Medicare, 11.6% on non-group plans, and 1.64% on military or VA plans.

Per capita personal health care spending in Georgia was $6,587 in 2014. This is a 5.41% increase from the previous year ($6,249).

Primary care physicians in DeKalb County, GA see 914 patients per year on average, which represents a 1.93% decrease from the previous year (932 patients). Compare this to dentists who see 1699 patients per year, and mental health providers who see 324 patients per year.

Comparing across all counties in the state, Telfair County has the highest prevalence of diabetes (25.8%). Additionally, Candler County has the highest prevalence of adult obesity (53.7%)

Patient to Clinician Ratios

914 to 1

Patient to Primary Care Physician Ratio in DeKalb County, GA

Primary care physicians in DeKalb County, GA see an average of 914 patients per year. This represents a 1.93% decrease from the previous year (932 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in DeKalb County, GA 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 Georgia.

$6,587

Total Per Capita Spending on Personal Health Care in Georgia

$4,406

Per Enrollee Private Health Insurance Spending on Personal Health Care

$5,199

Per Enrollee Medicaid Spending on Personal Health Care

$10,429

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Georgia (including private, Medicare, and Medicaid) grew 5.41%, from $6,249 to $6,587.

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

Health Care Coverage

13.3%

Uninsured

48.8%

Employer Coverage

15.7%

Medicaid

8.99%

Medicare

11.6%

Non-Group

1.64%

Military or VA

Between 2019 and 2020, the percent of uninsured citizens in DeKalb County, GA declined by 4.94% from 14% to 13.3%.

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