Sauk County, WI

County

Add Comparison

Population

63,596

0.404% 1-year growth

US Senator

Ron Johnson

Republican Party

US Senator

Tammy Baldwin

Democratic Party

Median Age

41.2

Poverty Rate

10.4%

Median Household Income

$56,732

4.2% 1-year growth

Median Property Value

$174,500

1.16% 1-year growth

Number of Employees

34,048

1.26% 1-year growth

About

In 2018, Sauk County, WI had a population of 63.6k people with a median age of 41.2 and a median household income of $56,732. Between 2017 and 2018 the population of Sauk County, WI grew from 63,340 to 63,596, a 0.404% increase and its median household income grew from $54,447 to $56,732, a 4.2% increase.

The 5 largest ethnic groups in Sauk County, WI are White (Non-Hispanic) (91.2%), White (Hispanic) (3.19%), Two+ (Non-Hispanic) (1.36%), Other (Hispanic) (1.14%), and American Indian & Alaska Native (Non-Hispanic) (1.03%). 0% of the households in Sauk County, WI speak a non-English language at home as their primary language, and 98.4% of the residents in Sauk County, WI are U.S. citizens.

The largest universities in Sauk County, WI are Panache Academy of Beauty (25 degrees awarded in 2019).

In 2018, the median property value in Sauk County, WI was $174,500, and the homeownership rate was 68.8%. Most people in Sauk County, WI drove alone to work, and the average commute time was 20.6 minutes. The average car ownership in Sauk County, WI was 2 cars per household.

Sauk County, WI borders Columbia County, WI, Dane County, WI, Iowa County, WI, Juneau County, WI, Richland County, WI, and Vernon County, WI.

About the photo: Barns at Taliesin, Spring Green, WI

Photo by Keith Ewing

United States Wisconsin Baraboo, WI

COVID-19

Daily New Cases by Date

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

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

Start Year

Y-Axis

-5.78%

Year-over-year decline

Employment change between November 2019 and November 2020

As of November 2020, there are 145M people employed in Wisconsin. This represents a -5.78% decrease in employment when compared to November 2019.

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

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Community Mobility

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

This chart presents movement trends over time in the state of Wisconsin 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 Sauk County, WI went to Donald J. Trump with 47.2% of the vote. The runner-up was Hillary Rodham Clinton (46.9%), followed by Other (5.86%). The most partisan county was Menominee County, WI with 78.4% of the vote going to Hillary Rodham Clinton running for the Democratic Party.

Ron Johnson and Tammy Baldwin are the senators currently representing the state of Wisconsin. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Wisconsin is currently represented by 8 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Popular Vote Over Time

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

2016 Election Results

Donald J. Trump (47.2%)
Republican Party
Hillary Rodham Clinton (46.9%)
Democratic Party
Other (5.86%)
Other Party

In the 2016 presidential election, the popular vote in Wisconsin went to Donald J. Trump with 47.2% of the vote. The runner-up was Hillary Rodham Clinton (46.9%), followed by Other (5.86%).

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

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 Sauk County, WI

47.2% for the Republican Party

Most Partisan Counties in Wisconsin

Menominee County, WI
78.4% for Hillary Rodham Clinton (Democratic Party)
Florence County, WI
71.4% for Donald J. Trump (Republican Party)
Dane County, WI
70.2% for Hillary Rodham Clinton (Democratic Party)

In the 2016 presidential election, the most partisan county in Wisconsin was Menominee County, WI with 78.4% of the vote going to Hillary Rodham Clinton running for the Democratic Party.

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

US Senators from Wisconsin

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

Ron Johnson

Senator from Wisconsin

Assumed office on January 3, 2011

Tammy Baldwin

Senator from Wisconsin

Assumed office on January 3, 2013

Ron Johnson and Tammy Baldwin are the senators currently representing Wisconsin.

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

US Representatives from Wisconsin

Wisconsin is currently represented by 8 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 Wisconsin have changed over time starting in 2008.

Diversity

Sauk County, WI is home to a population of 63.6k people, from which 98.4% are citizens. As of 2018, 2.82% of Sauk County, WI residents were born outside of the country (1.8k people).

In 2018, there were 28.6 times more White (Non-Hispanic) residents (58k people) in Sauk County, WI than any other race or ethnicity. There were 2.03k White (Hispanic) and 866 Two+ (Non-Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in Sauk County, WI

White (Non-Hispanic)
58k ± 33
White (Hispanic)
2.03k ± 256
Two+ (Non-Hispanic)
866 ± 184

4.92%

Hispanic Population

3.13k people

4.92% of the people in Sauk County, WI are hispanic (3.13k people).

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

Heritage

Foreign-Born Population

2.82%

2018 Foreign-Born Population

1.8k people

3.24%

2017 Foreign-Born Population

2.05k people

As of 2018, 2.82% of Sauk County, WI residents (1.8k 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 Sauk County, WI was 3.24%, meaning that the rate has been decreasing.

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

Age by Nativity

Median Native-Born Age

± 0.3

Median Foreign-Born Age

± 1.7

In 2018, the median age of all people in Sauk County, WI was 41.2. Native-born citizens, with a median age of 41, were generally older than than foreign-born citizens, with a median age of 38. But people in Sauk County, WI are getting getting younger. In 2017, the average age of all Sauk County, WI residents was 41.

Global Diversity

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

Most Common Origin

Mexico
84,679 ± 7,092 people
India
25,530 ± 3,914 people
China
15,562 ± 3,059 people

In 2019, the most common birthplace for the foreign-born residents of Wisconsin was Mexico, the natal country of 84,679 Wisconsin residents, followed by India with 25,530 and China with 15,562.

Citizenship

98.4%

2018 Citizenship

98.2%

2017 Citizenship

As of 2018, 98.4% of Sauk County, WI residents were US citizens, which is higher than the national average of 93.2%. In 2017, the percentage of US citizens in Sauk County, WI was 98.2%, meaning that the rate of citizenship has been increasing.

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

Military

Veterans

Most Common Service Period

Vietnam
1,429 ± 155
Gulf War (2001-)
500 ± 120
Korea
324 ± 85

Sauk County, WI has a large population of military personnel who served in Vietnam, 2.86 times greater than any other conflict.

Economy

Median household income in Sauk County, WI is $56,732. In 2018, the tract with the highest Median Household Income in Sauk County, WI was Census Tract 7 with a value of $73,456, followed by Census Tract 5 and Census Tract 2, with respective values of $71,164 and $64,864.

Males in Wisconsin have an average income that is 1.34 times higher than the average income of females, which is $49,130. The income inequality in Wisconsin (measured using the Gini index) is 0.447, which is lower than than the national average.

The economy of Sauk County, WI employs 34k people. The largest industries in Sauk County, WI are Manufacturing (5,586 people), Health Care & Social Assistance (4,471 people), and Retail Trade (4,386 people), and the highest paying industries are Utilities ($91,964), Mining, Quarrying, & Oil & Gas Extraction ($80,778), and Transportation & Warehousing, & Utilities ($51,028).

Wages

Median Household Income

$56,732

2018 value

± $1,108

4.2%

1 Year Growth

± 3.3%

Households in Sauk County, WI have a median annual income of $56,732, which is less than the median annual income of $61,937 across the entire United States. This is in comparison to a median income of $54,447 in 2017, which represents a 4.2% annual growth.

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

Wage by Gender in Common Jobs

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

$65,653

Average Male Salary in Wisconsin

± $1,399

$49,130

Average Female Salary in Wisconsin

± $1,030

In 2019, full-time male employees in Wisconsin made 1.34 times more than female employees.

This chart shows the gender-based wage disparity in the 5 most common occupations in Wisconsin 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 Wisconsin.

Highest Average Salaries by Race & Ethnicity in Wisconsin

Asian
$52,790 ± $5,647
White
$50,361 ± $843
Native Hawaiian and Other Pacific Islander
$50,064 ± $38,727

In 2019 the highest paid race/ethnicity of Wisconsin workers was Asian. These workers were paid 1.05 times more than White workers, who made the second highest salary of any race/ethnicity in Wisconsin.

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

Wage Distribution

The closest comparable wage GINI for Sauk County, WI is from Wisconsin.

0.447

2019 Wage GINI in Wisconsin

0.45

2018 Wage GINI in Wisconsin

In 2019, the income inequality in Wisconsin was 0.447 according to the GINI calculation of the wage distribution. Income inequality had a 0.637% decline from 2018 to 2019, which means that wage distribution grew somewhat more even. The GINI for Wisconsin was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Wisconsin in comparison to the national average.

This chart shows the number of workers in Wisconsin 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 7
Census Tract 5
Census Tract 2

In 2018, the tract with the highest Median Household Income (Total) in Sauk County, WI was Census Tract 7 with a value of $73,456, followed by Census Tract 5 and Census Tract 2, with respective values of $71,164 and $64,864.

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

Poverty by Age and Gender

Females 45 - 54

Largest Demographic Living in Poverty

10.4% of the population for whom poverty status is determined in Sauk County, WI (6.52k out of 62.6k 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 45 - 54, followed by Females 6 - 11 and then Females 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

White
6,065 ± 455
Hispanic
448 ± 138
Two Or More
276 ± 127

The most common racial or ethnic group living below the poverty line in Sauk County, WI is White, followed by Hispanic and Two Or More.

Occupations

Employment by Occupations

34k

2018 Value

± 973

1.26%

1 Year growth

± 3.98%

From 2017 to 2018, employment in Sauk County, WI grew at a rate of 1.26%, from 33.6k employees to 34k employees.

The most common job groups, by number of people living in Sauk County, WI, are Office & Administrative Support Occupations (3,748 people), Management Occupations (3,499 people), and Production Occupations (3,298 people). This chart illustrates the share breakdown of the primary jobs held by residents of Sauk County, WI.

Most Common

The most common jobs held by residents of Sauk County, WI, by number of employees, are Office & Administrative Support Occupations (3,748 people), Management Occupations (3,499 people), and Production Occupations (3,298 people).

Most Specialized

Compared to other counties, Sauk County, WI has an unusually high number of residents working as Farming, Fishing, & Forestry Occupations (2.71 times higher than expected), Production Occupations (1.69 times), and Food Preparation & Serving Related Occupations (1.33 times).

Highest Paid

The highest paid jobs held by residents of Sauk County, WI, by median earnings, are Computer & Mathematical Occupations ($64,861), Architecture & Engineering Occupations ($63,889), and Health Diagnosing & Treating Practitioners & Other Technical Occupations ($62,881).

Industries

Employment by Industries

34k

2018 Value

± 973

1.26%

1 Year growth

± 3.98%

From 2017 to 2018, employment in Sauk County, WI grew at a rate of 1.26%, from 33.6k employees to 34k employees.

The most common employment sectors for those who live in Sauk County, WI, are Manufacturing (5,586 people), Health Care & Social Assistance (4,471 people), and Retail Trade (4,386 people). This chart shows the share breakdown of the primary industries for residents of Sauk County, WI, though some of these residents may live in Sauk County, WI and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Sauk County, WI, by number of employees, are Manufacturing (5,586 people), Health Care & Social Assistance (4,471 people), and Retail Trade (4,386 people).

Most Specialized

Compared to other counties, Sauk County, WI has an unusually high number of Agriculture, Forestry, Fishing & Hunting (3.07 times higher than expected), Management of Companies & Enterprises (1.8 times), and Manufacturing (1.63 times) industries.

Highest Paying

The highest paying industries in Sauk County, WI, by median earnings, are Utilities ($91,964), Mining, Quarrying, & Oil & Gas Extraction ($80,778), and Transportation & Warehousing, & Utilities ($51,028).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

In 2018, the top outbound Wisconsin product (by dollars) was Other foodstuffs with $39.4B, followed by Mixed freight ($31.4B) and Motorized vehicles ($28.5B).

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

Domestic Trade Growth

Showing data for Wisconsin.

$354B

2018 Value in Wisconsin

$594B

Projected 2045 Value in Wisconsin

67.9% growth

In 2018, total outbound Wisconsin trade was $354B. This is expected to increase 67.9% to $594B by 2045.

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

Interstate Trade

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

Most Common Trade Partners

Illinois
$32.5B
Minnesota
$29.5B
Michigan
$16.2B

In 2018, the top outbound Wisconsin domestic partner for goods and services (by dollars) was Illinois with $32.5B, followed by Minnesota with $29.5B and Michigan and $16.2B.

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

Education

In 2019, universities in Sauk County, WI awarded 25 degrees. The student population of Sauk County, WI is skewed towards women, with 1 male students and 34 female students.

Most students graduating from Universities in Sauk County, WI are White (18 and 72%), followed by Hispanic or Latino (4 and 16%), American Indian or Alaska Native (2 and 8%), and Black or African American (1 and 4%).

The largest universities in Sauk County, WI by number of degrees awarded are Panache Academy of Beauty (25 and 100%).

The most popular majors in Sauk County, WI are General Cosmetology (10 and 40%), Aesthetician & Skin Care Specialist (7 and 28%), and Barbering (5 and 20%).

The median tuition costs in Sauk County, WI 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 Cosmetology
10 degree-majorss awarded
Barbering
5 degree-majorss awarded
N/A
N/A degree-majorss awarded

In 2018, the most common concentation for 1 to 2 Year Postsecondary Certificate recipients in Sauk County, WI was General Cosmetology with 10 degrees awarded.

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

Universities

Panache Academy of Beauty

Largest Universities by degrees awarded

25 degrees awarded

$N/A

Median In-State Public

$N/A

Median Private

In 2019, the Sauk County, WI institution with the largest number of graduating students was Panache Academy of Beauty with 25 degrees awarded.

Student Gender for Common Institutions

Degrees Awarded to Men

Degrees Awarded to Women

In 2019, 3 men were awarded degrees from institutions in Sauk County, WI, which is 0.136 times less than the 22 female students who received degrees in the same year.

This chart displays the gender disparity between the institutions in Sauk County, WI by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
18 degrees awarded
Hispanic or Latino
4 degrees awarded
American Indian or Alaska Native
2 degrees awarded

In 2019 the most common race/ethnicity group awarded degrees at institutions in Sauk County, WI was White students. These 18 degrees mean that there were 4.5 times more degrees awarded to White students then the next closest race/ethnicity group, Hispanic or Latino, with 4 degrees awarded.

Housing & Living

The median property value in Sauk County, WI was $174,500 in 2018, which is 0.76 times smaller than the national average of $229,700. Between 2017 and 2018 the median property value increased from $172,500 to $174,500, a 1.16% increase. The homeownership rate in Sauk County, WI is 68.8%, which is higher than the national average of 63.9%. People in Sauk County, WI have an average commute time of 20.6 minutes, and they drove alone to work. Car ownership in Sauk County, WI is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$174,500

2018 Median

± $3,315

$172,500

2017 Median

± $3,322

In 2018, the median property value in Sauk County, WI grew to to $174,500 from the previous year's value of $172,500.

The following charts display, first, the property values in Sauk County, WI 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 Sauk County, WI the largest share of households have a property value in the $200k - $250k range.

Household Income

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

$56,732

Median Household Income

± $1,108

26.2k

Number of Households

± 824

In 2018, the median household income of the 26.2k households in Sauk County, WI grew to $56,732 from the previous year's value of $54,447.

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

Rent vs Own

68.8%

2018 Homeownership

68.7%

2017 Homeownership

In 2018, 68.8% of the housing units in Sauk County, WI were occupied by their owner. This percentage grew from the previous year's rate of 68.7%.

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

Commute Time

20.6 minutes

Average Travel Time

Using averages, employees in Sauk County, WI have a shorter commute time (20.6 minutes) than the normal US worker (25.3 minutes). Additionally, 1.7% of the workforce in Sauk County, WI have "super commutes" in excess of 90 minutes.

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

Commuter Transportation

Most Common Commute in 2018

Drove Alone (80.7%)
Carpooled (9.72%)
Worked At Home (4.35%)

In 2018, 80.7% of workers in Sauk County, WI drove alone to work, followed by those who carpooled to work (9.72%) and those who worked at home (4.35%).

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

Health

93.7% of the population of Sauk County, WI has health coverage, with 51.9% on employee plans, 13.4% on Medicaid, 13.1% on Medicare, 14% on non-group plans, and 1.34% on military or VA plans.

Per capita personal health care spending in Wisconsin was $8,702 in 2014. This is a 6.26% increase from the previous year ($8,189).

Primary care physicians in Sauk County, WI see 1004 patients per year on average, which represents a 5.13% increase from the previous year (955 patients). Compare this to dentists who see 1499 patients per year, and mental health providers who see 586 patients per year.

Comparing across all counties in the state, Adams County has the highest prevalence of diabetes (18.2%). Additionally, Columbia County has the highest prevalence of adult obesity (45.7%)

Patient to Clinician Ratios

1,004 to 1

Patient to Primary Care Physician Ratio in Sauk County, WI

Primary care physicians in Sauk County, WI see an average of 1,004 patients per year. This represents a 5.13% increase from the previous year (955 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Sauk County, WI 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 Wisconsin.

$8,702

Total Per Capita Spending on Personal Health Care in Wisconsin

$5,159

Per Enrollee Private Health Insurance Spending on Personal Health Care

$7,057

Per Enrollee Medicaid Spending on Personal Health Care

$9,608

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Wisconsin (including private, Medicare, and Medicaid) grew 6.26%, from $8,189 to $8,702.

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

Health Care Coverage

6.28%

Uninsured

51.9%

Employer Coverage

13.4%

Medicaid

13.1%

Medicare

14%

Non-Group

1.34%

Military or VA

Between 2017 and 2018, the percent of uninsured citizens in Sauk County, WI declined by 19.2% from 7.78% to 6.28%.

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