El Dorado, AR

Metropolitan Statistical Area (MSA)

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2019 Population

39,449

0.712% 1-year decline

US Senator

John Boozman

Republican Party

US Senator

Tom Cotton

Republican Party

2019 Median Age

40.3

0.499% 1-year increase

2019 Poverty Rate

19.1%

4.87% 1-year decrease

2019 Median Household Income

$44,663

1.51% 1-year growth

2019 Median Property Value

$86,500

4.47% 1-year growth

2019 Employed Population

15,590

1.46% 1-year decline

About

In 2019, El Dorado, AR had a population of 39.4k people with a median age of 40.3 and a median household income of $44,663. Between 2018 and 2019 the population of El Dorado, AR declined from 39,732 to 39,449, a −0.712% decrease and its median household income grew from $44,000 to $44,663, a 1.51% increase.

The 5 largest ethnic groups in El Dorado, AR are White (Non-Hispanic) (60.5%), Black or African American (Non-Hispanic) (32.7%), White (Hispanic) (3.36%), Two+ (Non-Hispanic) (1.1%), and American Indian & Alaska Native (Non-Hispanic) (0.735%). 0% of the households in El Dorado, AR speak a non-English language at home as their primary language, and 98.7% of the residents in El Dorado, AR are U.S. citizens.

The largest universities in El Dorado, AR are South Arkansas Community College (768 degrees awarded in 2019) and Professional Cosmetology Education Center (18 degrees).

In 2019, the median property value in El Dorado, AR was $86,500, and the homeownership rate was 75.4%. Most people in El Dorado, AR drove alone to work, and the average commute time was 19.3 minutes. The average car ownership in El Dorado, AR was 2 cars per household.

El Dorado, AR borders Bastrop, LA, Camden, AR, Magnolia, AR, and Monroe, LA.

United States Arkansas

COVID-19

Daily New Cases by Date

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

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

Start Year

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 Arkansas. 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 Arkansas.

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Community Mobility

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

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

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Diversity

El Dorado, AR is home to a population of 39.4k people, from which 98.7% are citizens. As of 2019, 5.22% of El Dorado, AR residents were born outside of the country (2.06k people).

In 2019, there were 1.85 times more White (Non-Hispanic) residents (23.9k people) in El Dorado, AR than any other race or ethnicity. There were 12.9k Black or African American (Non-Hispanic) and 1.33k White (Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in El Dorado, AR

White (Non-Hispanic)
23.9k ± 180
Black or African American (Non-Hispanic)
12.9k ± 170
White (Hispanic)
1.33k ± 210

Hispanic Population

1.58k people

4% of the people in El Dorado, AR are hispanic (1.58k people).

The following chart shows the 7 races represented in El Dorado, AR as a share of the total population.

Heritage

Foreign-Born Population

5.22%

2019 Foreign-Born Population

2.06k people

2.23%

2018 Foreign-Born Population

885 people

As of 2019, 5.22% of El Dorado, AR residents (2.06k people) were born outside of the United States, which is lower than the national average of 34%. In 2018, the percentage of foreign-born citizens in El Dorado, AR was 2.23%, meaning that the rate has been increasing.

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

Age by Nativity

Median Native-Born Age

± 0.5

Median Foreign-Born Age

± 1.6

In 2019, the median age of all people in El Dorado, AR was 40.3. Native-born citizens, with a median age of 40, were generally older than foreign-born citizens, with a median age of 40. But people in El Dorado, AR are getting getting older. In 2018, the average age of all El Dorado, AR residents was 40.

Global Diversity

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

Most Common Origin

Mexico
60,028 ± 5,955 people
El Salvador
14,906 ± 2,990 people
India
8,724 ± 2,290 people

In 2019, the most common birthplace for the foreign-born residents of Arkansas was Mexico, the natal country of 60,028 Arkansas residents, followed by El Salvador with 14,906 and India with 8,724.

Citizenship

98.7%

2019 Citizenship

98.4%

2018 Citizenship

As of 2019, 98.7% of El Dorado, AR residents were US citizens, which is higher than the national average of 93.4%. In 2018, the percentage of US citizens in El Dorado, AR was 98.4%, meaning that the rate of citizenship has been increasing.

The following chart shows US citizenship percentages in El Dorado, AR compared to that of it's neighboring and parent geographies.

Military

Veterans

Most Common Service Period

Vietnam
905 ± 163
Gulf War (2001-)
394 ± 145
Gulf War (1990s)
188 ± 91

El Dorado, AR has a large population of military personnel who served in Vietnam, 2.3 times greater than any other conflict.

Economy

Median household income in El Dorado, AR is $44,663. In 2019, the county with the highest Median Household Income in El Dorado, AR was Benton County, AR with a value of $69,130, followed by Saline County, AR and Lonoke County, AR, with respective values of $66,327 and $62,532.

Males in Arkansas have an average income that is 1.35 times higher than the average income of females, which is $41,995. The income inequality in Arkansas (measured using the Gini index) is 0.451, which is lower than than the national average.

The economy of El Dorado, AR employs 15.6k people. The largest industries in El Dorado, AR are Manufacturing (2,573 people), Health Care & Social Assistance (2,359 people), and Retail Trade (1,907 people), and the highest paying industries are Management of Companies & Enterprises ($87,143), Manufacturing ($52,425), and Wholesale Trade ($50,208).

Wages

Median Household Income

$44,663

2019 value

± $3,590

1.51%

1 Year Growth

± 10.2%

Households in El Dorado, AR have a median annual income of $44,663, which is less than the median annual income of $65,712 across the entire United States. This is in comparison to a median income of $44,000 in 2018, which represents a 1.51% annual growth.

The following chart shows how the median household income in El Dorado, AR compares to that of its neighboring and parent geographies.

Wage by Gender in Common Jobs

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

$56,854

Average Male Salary in Arkansas

± $1,935

$41,995

Average Female Salary in Arkansas

± $1,371

In 2019, full-time male employees in Arkansas made 1.35 times more than female employees.

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

Wage by Race and Ethnicity in Common Jobs

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

Highest Average Salaries by Race & Ethnicity in Arkansas

Asian
$56,874 ± $11,128
White
$46,626 ± $1,304
American Indian and Alaska Native tribes specified; or American Indian or Alaska Native, not specified and no other races
$42,148 ± $38,775

In 2019 the highest paid race/ethnicity of Arkansas workers was Asian. These workers were paid 1.22 times more than White workers, who made the second highest salary of any race/ethnicity in Arkansas.

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

Wage Distribution

The closest comparable wage GINI for El Dorado, AR is from Arkansas.

0.451

2019 Wage GINI in Arkansas

0.452

2018 Wage GINI in Arkansas

In 2019, the income inequality in Arkansas was 0.451 according to the GINI calculation of the wage distribution. Income inequality had a 0.384% decline from 2018 to 2019, which means that wage distribution grew somewhat more even. The GINI for Arkansas was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Arkansas in comparison to the national average.

This chart shows the number of workers in Arkansas 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)

In 2019, the county with the highest Median Household Income (Total) in El Dorado, AR was Benton County, AR with a value of $69,130, followed by Saline County, AR and Lonoke County, AR, with respective values of $66,327 and $62,532.

The following map shows all of the counties in El Dorado, AR colored by their Median Household Income (Total).

Poverty by Age and Gender

Females 35 - 44

Largest Demographic Living in Poverty

19.1% of the population for whom poverty status is determined in El Dorado, AR (7.44k out of 39k 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 35 - 44, followed by Females 45 - 54 and then Males 18 - 24.

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
4,131 ± 488
White
3,043 ± 387
Hispanic
518 ± 165

The most common racial or ethnic group living below the poverty line in El Dorado, AR is Black, followed by White and Hispanic.

Occupations

Employment by Occupations

15.6k

2019 Value

± 850

−1.46%

1 Year decline

± 8.12%

From 2018 to 2019, employment in El Dorado, AR declined at a rate of −1.46%, from 15.8k employees to 15.6k employees.

The most common job groups, by number of people living in El Dorado, AR, are Office & Administrative Support Occupations (1,951 people), Sales & Related Occupations (1,567 people), and Management Occupations (1,448 people). This chart illustrates the share breakdown of the primary jobs held by residents of El Dorado, AR.

Most Common

The most common jobs held by residents of El Dorado, AR, by number of employees, are Office & Administrative Support Occupations (1,951 people), Sales & Related Occupations (1,567 people), and Management Occupations (1,448 people).

Most Specialized

Compared to other MSAs, El Dorado, AR has an unusually high number of residents working as Health Technologists & Technicians (1.77 times higher than expected), Installation, Maintenance, & Repair Occupations (1.62 times), and Production Occupations (1.52 times).

Highest Paid

The highest paid jobs held by residents of El Dorado, AR, by median earnings, are Legal Occupations ($126,250), Architecture & Engineering Occupations ($94,286), and Computer, Engineering, & Science Occupations ($81,068).

Industries

Employment by Industries

15.6k

2019 Value

± 850

−1.46%

1 Year decline

± 8.12%

From 2018 to 2019, employment in El Dorado, AR declined at a rate of −1.46%, from 15.8k employees to 15.6k employees.

The most common employment sectors for those who live in El Dorado, AR, are Manufacturing (2,573 people), Health Care & Social Assistance (2,359 people), and Retail Trade (1,907 people). This chart shows the share breakdown of the primary industries for residents of El Dorado, AR, though some of these residents may live in El Dorado, AR and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in El Dorado, AR, by number of employees, are Manufacturing (2,573 people), Health Care & Social Assistance (2,359 people), and Retail Trade (1,907 people).

Most Specialized

Compared to other MSAs, El Dorado, AR has an unusually high number of Management of Companies & Enterprises (4.31 times higher than expected), Utilities (2.72 times), and Mining, Quarrying, & Oil & Gas Extraction (2.65 times) industries.

Highest Paying

The highest paying industries in El Dorado, AR, by median earnings, are Management of Companies & Enterprises ($87,143), Manufacturing ($52,425), and Wholesale Trade ($50,208).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

In 2018, the top outbound Arkansas product (by dollars) was Meat/seafood with $19.1B, followed by Coal-n.e.c. ($16.5B) and Mixed freight ($10.9B).

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

Domestic Trade Growth

Showing data for Arkansas.

$154B

2018 Value in Arkansas

$263B

Projected 2045 Value in Arkansas

71% growth

In 2018, total outbound Arkansas trade was $154B. This is expected to increase 71% to $263B by 2045.

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

Interstate Trade

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

Most Common Trade Partners

Texas
$12.9B
Mississippi
$7.68B
Tennessee
$6.49B

In 2018, the top outbound Arkansas domestic partner for goods and services (by dollars) was Texas with $12.9B, followed by Mississippi with $7.68B and Tennessee and $6.49B.

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

Civics

In the 2016 presidential election, the popular vote in Arkansas went to Donald J. Trump with 60.6% of the vote. The runner-up was Hillary Rodham Clinton (33.7%), followed by Gary Johnson (2.64%). The most partisan county was Polk County, AR with 80.4% of the vote going to Donald J. Trump running for the Republican Party.

John Boozman and Tom Cotton are the senators currently representing the state of Arkansas. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Arkansas is currently represented by 4 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 El Dorado, AR. Showing the available data for Arkansas.

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 (60.6%)
Republican Party
Hillary Rodham Clinton (33.7%)
Democratic Party
Gary Johnson (2.64%)
Libertarian Party

In the 2016 presidential election, the popular vote in Arkansas went to Donald J. Trump with 60.6% of the vote. The runner-up was Hillary Rodham Clinton (33.7%), followed by Gary Johnson (2.64%).

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

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 Arkansas

60.6% for the Republican Party

Most Partisan Counties in Arkansas

Polk County, AR
80.4% for Donald J. Trump (Republican Party)
Searcy County, AR
79.3% for Donald J. Trump (Republican Party)
Pike County, AR
79.1% for Donald J. Trump (Republican Party)

In the 2016 presidential election, the most partisan county in Arkansas was Polk County, AR with 80.4% of the vote going to Donald J. Trump running for the Republican Party.

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

US Senators from Arkansas

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

John Boozman

Senator from Arkansas

Assumed office on January 3, 2011

Tom Cotton

Senator from Arkansas

Assumed office on January 3, 2015

John Boozman and Tom Cotton are the senators currently representing Arkansas.

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

US Representatives from Arkansas

Arkansas is currently represented by 4 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 Arkansas have changed over time starting in 2008.

Education

In 2019, universities in El Dorado, AR awarded 786 degrees. The student population of El Dorado, AR is skewed towards women, with 442 male students and 1,045 female students.

Most students graduating from Universities in El Dorado, AR are White (486 and 62.5%), followed by Black or African American (219 and 28.1%), Hispanic or Latino (40 and 5.14%), and Two or More Races (22 and 2.83%).

The largest universities in El Dorado, AR by number of degrees awarded are South Arkansas Community College (768 and 97.7%) and Professional Cosmetology Education Center (18 and 2.29%).

The most popular majors in El Dorado, AR are General Health Services (136 and 17.3%), Welding Technology (134 and 17%), and Emergency Medical Technician (EMT Paramedic) (94 and 12%).

The median tuition costs in El Dorado, AR 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

General Health Services
136 degree-majorss awarded
Licensed Practical & Vocational Nurse Training
59 degree-majorss awarded
Liberal Arts & Sciences
28 degree-majorss awarded

In 2018, the most common concentation for 1 to 2 Year Postsecondary Certificate recipients in El Dorado, AR was General Health Services with 136 degrees awarded.

This visualization illustrates the percentage of students graduating with a 1 to 2 Year Postsecondary Certificate from schools in El Dorado, AR according to their major.

Universities

Largest Universities by degrees awarded

South Arkansas Community College
768 degrees awarded
Professional Cosmetology Education Center
18 degrees awarded

$N/A

Median In-State Public

$N/A

Median Private

In 2019, the El Dorado, AR institution with the largest number of graduating students was South Arkansas Community College with 768 degrees awarded.

Student Gender for Common Institutions

326

Degrees Awarded to Men

460

Degrees Awarded to Women

In 2019, 326 men were awarded degrees from institutions in El Dorado, AR, which is 0.709 times less than the 460 female students who received degrees in the same year.

This chart displays the gender disparity between the institutions in El Dorado, AR by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
486 degrees awarded
Black or African American
219 degrees awarded
Hispanic or Latino
40 degrees awarded

In 2019 the most common race/ethnicity group awarded degrees at institutions in El Dorado, AR was White students. These 486 degrees mean that there were 2.22 times more degrees awarded to White students then the next closest race/ethnicity group, Black or African American, with 219 degrees awarded.

Housing & Living

The median property value in El Dorado, AR was $86,500 in 2019, which is 0.36 times smaller than the national average of $240,500. Between 2018 and 2019 the median property value increased from $82,800 to $86,500, a 4.47% increase. The homeownership rate in El Dorado, AR is 75.4%, which is higher than the national average of 64.1%. People in El Dorado, AR have an average commute time of 19.3 minutes, and they drove alone to work. Car ownership in El Dorado, AR is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$86,500

2019 Median

± $4,672

$82,800

2018 Median

± $3,988

In 2019, the median property value in El Dorado, AR grew to to $86,500 from the previous year's value of $82,800.

The following charts display, first, the property values in El Dorado, AR 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 El Dorado, AR the largest share of households have a property value in the $150k - $175k range.

Household Income

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

$44,663

Median Household Income

± $3,590

15.7k

Number of Households

± 861

In 2019, the median household income of the 15.7k households in El Dorado, AR grew to $44,663 from the previous year's value of $44,000.

The following chart displays the households in El Dorado, AR 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

Average Range

This chart shows the households in El Dorado, AR distributed between a series of property tax buckets compared to the national averages for each bucket. In El Dorado, AR the largest share of households pay taxes in the < $800 range.

Rent vs Own

75.4%

2019 Homeownership

74.7%

2018 Homeownership

In 2019, 75.4% of the housing units in El Dorado, AR were occupied by their owner. This percentage grew from the previous year's rate of 74.7%.

This percentage of owner-occupation is higher than the national average of 64.1%. This chart shows the ownership percentage in El Dorado, AR compared it's parent and neighboring geographies.

Commute Time

19.3 minutes

Average Travel Time

Using averages, employees in El Dorado, AR have a shorter commute time (19.3 minutes) than the normal US worker (25.5 minutes). Additionally, 0.847% of the workforce in El Dorado, AR have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in El Dorado, AR compares to that of it's neighboring and parent geographies.

Commuter Transportation

Most Common Commute in 2019

Drove Alone (89.5%)
Carpooled (6.48%)
Walked (1.7%)

In 2019, 89.5% of workers in El Dorado, AR drove alone to work, followed by those who carpooled to work (6.48%) and those who walked to work (1.7%).

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 El Dorado, AR distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in El Dorado, AR have 2 cars, followed by 1 car.

Health

92.5% of the population of El Dorado, AR has health coverage, with 40.8% on employee plans, 22.1% on Medicaid, 14.2% on Medicare, 13.9% on non-group plans, and 1.4% on military or VA plans.

Per capita personal health care spending in Arkansas was $7,408 in 2014. This is a 6.91% increase from the previous year ($6,929).

Primary care physicians in Arkansas see 1507 patients per year on average, which represents a 0.333% increase from the previous year (1502 patients). Compare this to dentists who see 2103 patients per year, and mental health providers who see 423 patients per year.

Comparing across all counties in the state, Jackson County has the highest prevalence of diabetes (28.8%). Additionally, St. Francis County has the highest prevalence of adult obesity (48.2%)

Patient to Clinician Ratios

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

1,507 to 1

Patient to Primary Care Physician Ratio in Arkansas

Primary care physicians in Arkansas see an average of 1,507 patients per year. This represents a 0.333% increase from the previous year (1,502 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Arkansas 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 Arkansas.

$7,408

Total Per Capita Spending on Personal Health Care in Arkansas

$3,906

Per Enrollee Private Health Insurance Spending on Personal Health Care

$6,108

Per Enrollee Medicaid Spending on Personal Health Care

$9,479

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Arkansas (including private, Medicare, and Medicaid) grew 6.91%, from $6,929 to $7,408.

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

Health Care Coverage

7.5%

Uninsured

40.8%

Employer Coverage

22.1%

Medicaid

14.2%

Medicare

13.9%

Non-Group

1.4%

Military or VA

Between 2018 and 2019, the percent of uninsured citizens in El Dorado, AR declined by 29.6% from 10.6% to 7.5%.

The following chart shows how the percent of uninsured individuals in El Dorado, AR changed over time compared with the percent of individuals enrolled in various types of health insurance.