Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT

Public Use Microdata Area (PUMA)

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2022 Population
157,854
2.34% 1-year growth
US Senator
Mike Lee
Republican Party
US Senator
Mitt Romney
Republican Party
2022 Median Age
33.1
0.601% 1-year decrease
2022 Poverty Rate
12.9%
3.57% 1-year decrease
2022 Median Household Income
$67,172
11.3% 1-year growth
2022 Median Property Value
$276,800
20.2% 1-year growth
2022 Employed Population
66,723
6.23% 1-year growth

About

In 2022, Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT had a population of 158k people with a median age of 33.1 and a median household income of $67,172. Between 2021 and 2022 the population of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT grew from 154,243 to 157,854, a 2.34% increase and its median household income grew from $60,356 to $67,172, a 11.3% increase.

The 5 largest ethnic groups in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are White (Non-Hispanic) (86.5%), Other (Hispanic) (3.37%), White (Hispanic) (3%), Two+ (Hispanic) (2.07%), and Two+ (Non-Hispanic) (1.85%).

8.07% of the households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT 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.

97.5% of the residents in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are U.S. citizens.

The largest universities in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are Southern Utah University (4,473 degrees awarded in 2022), Snow College (1,316 degrees), and Southwest Technical College (399 degrees).

In 2022, the median property value in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was $276,800, and the homeownership rate was 74.6%.

Most people in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT drove alone to work, and the average commute time was 17.9 minutes. The average car ownership in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was 2 cars per household.

Population & Diversity

Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT is home to a population of 158k people, from which 97.5% are citizens. As of 2022, 4.24% of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT residents were born outside of the country (6.69k people).

In 2022, there were 25.7 times more White (Non-Hispanic) residents (137k people) in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT than any other race or ethnicity. There were 5.32k Other (Hispanic) and 4.73k White (Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary langauge in households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are Spanish (8,928 households), Navajo (332 households), and German (284 households).

Residents by Gender and Age

RACE/ETHNICITY
76,683
Women
48.5%
81,293
Men
51.5%

The resident population of United States in 2022 was 157,976 inhabitants, with 51.5% men, and 48.5% women.

The visualization shows the distribution of the residents by gender and age in the United States.

With the upper buttons you can add a filter by race.

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Citizenship

97.5%
2022 Citizenship
97.5%
2021 Citizenship

As of 2022, 97.5% of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT residents were US citizens, which is higher than the national average of 93.5%. In 2021, the percentage of US citizens in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was 97.5%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT compared to that of it's neighboring and parent geographies.

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Race and Ethnicity

The 3 largest ethnic groups in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT
  1. White (Non-Hispanic)
    137k ± 365
  2. Other (Hispanic)
    5.32k ± 643
  3. White (Hispanic)
    4.73k ± 648
8.72%
Hispanic Population
13.8k people

In 2022, there were 25.7 times more White (Non-Hispanic) residents (137k people) in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT than any other race or ethnicity. There were 5.32k Other (Hispanic) and 4.73k White (Hispanic) residents, the second and third most common ethnic groups.

8.72% of the people in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are hispanic (13.8k people).

The following chart shows the 7 races represented in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT as a share of the total population.

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Global Diversity

Most Common Origin
  1. Mexico
    3,041 ± 1,341 people
  2. Colombia
    282 ± 412 people
  3. England
    218 ± 362 people

In 2022, the most common birthplace for the foreign-born residents of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was Mexico, the natal country of 3,041 Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT residents, followed by Colombia with 282 and England with 218.

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Foreign-Born Population

4.24%
2022 Foreign-Born Population
6.69k people
4.13%
2021 Foreign-Born Population
6.37k people

As of 2022, 4.24% of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT residents (6.69k people) were born outside of the United States, which is lower than the national average of 13.6%. In 2021, the percentage of foreign-born citizens in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was 4.13%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT compared to that of it's neighboring and parent geographies.

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Non-English Households

Most Common Non-English Languages
  1. Spanish
    8,928 households (6.06%)
  2. Navajo
    332 households (0.225%)
  3. German
    284 households (0.193%)

8.07% of the households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT reported speaking a non-English language at home as their primary shared language, which is lower than the national average of 21.7%. 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.

In 2022, the most common non-English language spoken in households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was Spanish. 6.06% of the households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT reported speaking Spanish at home as the primary shared language between all members living in the household.

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Veterans

Most Common Service Period
  1. Vietnam
    2,617 ± 274
  2. Gulf War (2001-)
    1,316 ± 219
  3. Gulf War (1990s)
    710 ± 173

Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT has a large population of military personnel who served in Vietnam, 1.99 times greater than any other conflict.

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Economy

The economy of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT employs 66.7k people. The largest industries in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are Construction (5,874 people), Elementary & secondary schools (5,434 people), and Restaurants & Food Services (4,430 people), and the highest paying industries are Offices of other health practitioners ($111,902), Other personal services ($105,592), and Outpatient care centers ($102,054).

Males in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT have an average income that is 1.44 times higher than the average income of females, which is $44,606. The income inequality in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT (measured using the Gini index) is 0.455, which is lower than than the national average.

Workforce Diversity

Measure
RACE/ETHNICITY
27,313
Women
44.5%
34,019
Men
55.5%

The workforce of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT in 2020 was 61,332 people, with 44.5% woman, and 55.5% men.

The visualization shows the distribution of the workforce by gender and age in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

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Occupations

66.7k
2022 Value
6.23%
1 Year growth
± 6.23%

From 2021 to 2022, employment in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT grew at a rate of 6.23%, from 62.8k employees to 66.7k employees.

The most common job groups, by number of people living in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT, are Driver/sales workers & truck drivers (2,483 people), Cashiers (1,757 people), and Secretaries and administrative assistants, except legal, medical, and executive (1,647 people). This chart illustrates the share breakdown of the primary jobs held by residents of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT.

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Unemployment Insurance Claims

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

This chart shows weekly unemployment insurance claims in Utah (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 Industries

66.7k
2022 Value
6.23%
1 Year growth
± 6.23%

From 2021 to 2022, employment in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT grew at a rate of 6.23%, from 62.8k employees to 66.7k employees.

The most common employment sectors for those who live in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT, are Construction (5,874 people), Elementary & secondary schools (5,434 people), and Restaurants & Food Services (4,430 people). This chart shows the share breakdown of the primary industries for residents of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT, though some of these residents may live in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT and work somewhere else. Census data is tagged to a residential address, not a work address.

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Median Earnings by Industry

$45,541
Median earning men ± $1,074
$24,260
Median earning women ± $1,243

The industries with the best median earnings for men in 2022 are Finance & Insurance, & Real Estate & Rental & Leasing ($78,717), Transportation & Warehousing, & Utilities ($63,886), and Public Administration ($58,825).

The industries with the best median earnings for women in 2022 are Information ($41,696), Public Administration ($39,776), and Construction ($36,058).

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Employment by Industry Sector

Data is only available at the state level. Showing data for Arizona.
Y-Axis
2.3%
Year-over-year growth
Employment change between February 2022 and February 2023

As of February 2023, there are 3.15M people employed in Arizona. This represents a 2.3% increase in employment when compared to February 2022.

Right after the beginning of the COVID-19 pandemic, during April 2020, a general dip can be seen across industry sectors, resulting in an overall decline in employment by 9.21%.

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

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Civics

In the 2020 presidential election, the popular vote in Utah went to Donald J. Trump with 58.1% of the vote. The runner-up was Joseph R Biden Jr. (37.6%), followed by Jo Jorgensen (2.58%).

Mike Lee and Mitt Romney are the senators currently representing the state of Utah. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Utah is currently represented by 4 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

US Senators from Utah

Senatorial voting results are only available at the state level. Showing data for Utah.
Mike Lee
Senator from Utah3
Assumed office on January 3, 2011
Mitt Romney
Senator from Utah1
Assumed office on January 3, 2019

Mike Lee and Mitt Romney are the senators currently representing Utah.

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

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US Representatives from Utah

Utah 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 Utah have changed over time starting in 2008.

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Education

In 2022, universities in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT awarded 6,221 degrees. The student population of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT in 2022 is skewed towards women, with 9,072 male students and 12,017 female students.

Most students graduating from Universities in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are White (4,853 and 81%), followed by Hispanic or Latino (439 and 7.33%), Unknown (345 and 5.76%), and Two or More Races (125 and 2.09%).

The largest universities in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT by number of degrees awarded are Southern Utah University (4,473 and 71.9%), Snow College (1,316 and 21.2%), and Southwest Technical College (399 and 6.41%).

The most popular majors in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT are General Studies (2,582 and 41.5%), General Business Administration & Management (230 and 3.7%), and Registered Nursing (210 and 3.38%).

The median tuition cost in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT for a public four year colleges is $4,901 for in-state students and $16,784 for out-of-state students.

Applicants, Admissions & Enrolled

University
Measure

In 2022 in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT, the percentage of applicants admitted was 83.9%, while the percentage of admitted who enrolled was 13.9%. The number of students enrolled in 2022 was 21,089 (43% men and 57% women).

The line chart  shows the evolution of the percentage of applicants admitted, admitted who enrolled or the number of students enrolled according to the option selected in the upper button.

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Enrollments by Gender and Races

Universities

In 2022 there were 21,089 students enrolled in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT, 43% men and 57% women.

By race, the largest number of students enrolled was concentrated in White with 15,177 records, of which 58.1% were women and 41.9% men.

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Concentrations

Most Common
  1. 83 degrees awarded
  2. 1,923 degrees awarded
  3. 101 degrees awarded

In 2022, the most common concentation for Associates Degree recipients in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was General Business with 83 degrees awarded.

This visualization illustrates the percentage of students graduating with a Associates Degree from schools in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT according to their major.

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Universities

Gender
Race
Largest Universities by degrees awarded
  1. 4,473 degrees awarded
  2. 1,316 degrees awarded
  3. 399 degrees awarded

In 2022, the institution with the largest number of graduating students was Southern Utah University with 4,473 degrees awarded.

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Student Diversity

University

In 2022, 2,660 men were awarded degrees from institutions in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT, which is 0.747 times less than the 3,561 female students who received degrees in the same year.

In 2022 the most common race/ethnicity group awarded degrees at institutions was White students. These 4,853 degrees mean that there were 11.1 times more degrees awarded to White students then the next closest race/ethnicity group, Hispanic or Latino, with 439 degrees awarded.

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Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

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Average Net Price by Sector

Universities

Public, 4-year or above ($4,901) is the sector with the highest median state tuition in 2022.

Public, 4-year or above ($574) is the sector with the highest median state fee in 2022.

Public, 4-year or above ($1,300) is the sector with the highest average net price of books and supplies.

The graph shows the average net price by sector and year.

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Educational Pyramid

Measure

In 2022, 0.349% of men over 25 years of age had not completed any academic degree (no schooling), while 0.39% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

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Educational Attainment

Race

The most common educational levels obtained by the working population of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT in 2022 were High School or Equivalent (33.5k), Some college (32.8k), and Primary Education (18.2k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

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Housing & Living

The median property value in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was $276,800 in 2022, which is 0.982 times smaller than the national average of $281,900. Between 2021 and 2022 the median property value increased from $230,300 to $276,800, a 20.2% increase. The homeownership rate in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT is 74.6%, which is approximately the same as the national average of 64.8%.

People in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT have an average commute time of 17.9 minutes, and they drove alone to work. Car ownership in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT is approximately the same as the national average, with an average of 2 cars per household.

Median household income in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT is $67,172. In 2022, the PUMA with the highest Median Household Income in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was Salt Lake County--South Jordan, Herriman, Bluffdale & Riverton cities PUMA, UT with a value of $117,848, followed by Salt Lake County (South & East Central)--Draper (Northwest) & Sandy (South) Cities PUMA, UT and Utah County (East)--Spanish Fork, Springville, Lehi (Northeast) & Highland Cities PUMA, UT, with respective values of $114,386 and $112,896.

Property

$276,800
Median Property Value 2022
±$4,665
$38,394
Median Property Taxes
±$1,176

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT the largest share of households pay taxes in the $800 - $1,499 range.

The chart underneath the paragraph shows the property taxes in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT compared to it's parent and neighbor geographies.

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Rent vs Own

74.6%
Homeownership
2022
69.2%
Homeowners with Mortgage
2022

In 2022, 74.6% of the housing units in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT were occupied by their owner. This percentage grew from the previous year's rate of 73.5%.

This chart shows the percentage of owner in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT compared it's parent and neighboring geographies.

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Income by Location

Use the dropdown to filter by race/ethnicity.
Race/Ethnicity

In 2022, the PUMA with the highest Median Household Income (Total) in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was Salt Lake County--South Jordan, Herriman, Bluffdale & Riverton cities PUMA, UT with a value of $117,848, followed by Salt Lake County (South & East Central)--Draper (Northwest) & Sandy (South) Cities PUMA, UT and Utah County (East)--Spanish Fork, Springville, Lehi (Northeast) & Highland Cities PUMA, UT, with respective values of $114,386 and $112,896.

The following map shows all of the PUMAs in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT colored by their Median Household Income (Total).

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Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.
$67,172
Median Household Income
± $2,108
51.5k
Number of Households
± 1,459

In 2022, the median household income of the 51.5k households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT grew to $67,172 from the previous year's value of $60,356.

The following chart displays the households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT 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.

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Wage Distribution

0.455
2022 Wage GINI in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT
0.451
2021 Wage GINI in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT

In 2022, the income inequality in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was 0.455 according to the GINI calculation of the wage distribution. Income inequality had a 0.889% growth from 2021 to 2022, which means that wage distribution grew somewhat less even. The GINI for Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT in comparison to the national average.

This chart shows the number of workers in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT across various wage buckets compared to the national average.

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Commuter Transportation

Most Common Commute in 2022
  1. Drove Alone (74.7%)
  2. Carpooled (11.2%)
  3. Worked At Home (9.64%)

In 2022, 74.7% of workers in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT drove alone to work, followed by those who carpooled to work (11.2%) and those who worked at home (9.64%).

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.

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Commute Time

17.9 minutes
Average Travel Time

Using averages, employees in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT have a shorter commute time (17.9 minutes) than the normal US worker (26.7 minutes). Additionally, 2.62% of the workforce in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT compares to that of it's neighboring and parent geographies.

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Car Ownership

2 cars
Average Number

The following chart displays the households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT have 2 cars.

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Poverty & Diversity

12.9% of the population for whom poverty status is determined in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT (19.8k out of 153k people) live below the poverty line, a number that is higher than the national average of 12.5%. The largest demographic living in poverty are Females 18 - 24, followed by Males 18 - 24 and then Females 25 - 34.

The most common racial or ethnic group living below the poverty line in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT is White, followed by Hispanic and Other.

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.

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Health

89.9% of the population of Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT has health coverage, with 48.3% on employee plans, 10.8% on Medicaid, 12.2% on Medicare, 17% on non-group plans, and 1.6% on military or VA plans.

Primary care physicians in Utah see 1737 patients per year on average, which represents a 0.696% increase from the previous year (1725 patients). Compare this to dentists who see 1455 patients per year, and mental health providers who see 276 patients per year.

Patient to Clinician Ratios

Data is only available at the state level. Showing data for Utah.
1,737 to 1
Patient to Primary Care Physician Ratio in Utah

Primary care physicians in Utah see an average of 1,737 patients per year. This represents a 0.696% increase from the previous year (1,725 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Utah in comparison to its neighboring geographies.

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Health Care Diversity

In 2022, insured persons according to age ranges were distributed in 30.4% under 18 years, 22.1% between 18 and 34 years, 32.1% between 35 and 64 years, and 15.4% over 64 years.

By gender, of the total number of insured persons, 50.4% were men and 49.6% were women.

The following chart shows the number of people with health coverage by gender.

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Uninsured People

10.1%
Uninsured
48.3%
Employer Coverage
10.8%
Medicaid
12.2%
Medicare
17%
Non-Group
1.6%
Military or VA

Between 2021 and 2022, the percent of uninsured citizens in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT declined by 7.52% from 10.9% to 10.1%.

The following chart shows how the percent of uninsured individuals in Southwest & South Central Utah (Outside Washington County)--Cedar City PUMA, UT changed over time compared with the percent of individuals enrolled in various types of health insurance.

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