Westerville, OH

Census Place

Add Comparison

2019 Population

39,877

1.62% 1-year growth

US Senator

Sherrod Brown

Democratic Party

US Senator

Rob Portman

Republican Party

2019 Median Age

41.9

0.946% 1-year decrease

2019 Poverty Rate

6.52%

12.4% 1-year decrease

2019 Median Household Income

$93,717

3.62% 1-year growth

2019 Median Property Value

$237,300

4.68% 1-year growth

2019 Employed Population

20,832

2.54% 1-year growth

About

In 2019, Westerville, OH had a population of 39.9k people with a median age of 41.9 and a median household income of $93,717. Between 2018 and 2019 the population of Westerville, OH grew from 39,242 to 39,877, a 1.62% increase and its median household income grew from $90,443 to $93,717, a 3.62% increase.

The 5 largest ethnic groups in Westerville, OH are White (Non-Hispanic) (84.4%), Black or African American (Non-Hispanic) (7.2%), Two+ (Non-Hispanic) (3.19%), Asian (Non-Hispanic) (2.24%), and White (Hispanic) (2.03%). 0% of the households in Westerville, OH speak a non-English language at home as their primary language.

97.9% of the residents in Westerville, OH are U.S. citizens.

The largest universities in Westerville, OH are MyComputerCareer.edu-Columbus (1,044 degrees awarded in 2019), Otterbein University (733 degrees), and Dental Assistant Pro LLC-Columbus (31 degrees).

In 2019, the median property value in Westerville, OH was $237,300, and the homeownership rate was 77.6%. Most people in Westerville, OH drove alone to work, and the average commute time was 20.5 minutes. The average car ownership in Westerville, OH was 2 cars per household.

United States Ohio Delaware County, OH Franklin County, OH Columbus, OH Delaware County PUMA, OH Columbus (Far Northeast), Gahanna & New Albany Cities PUMA, OH Columbus (North), Westerville & Worthington Cities PUMA, OH

Diversity

Westerville, OH is home to a population of 39.9k people, from which 97.9% are citizens. As of 2019, 6.67% of Westerville, OH residents were born outside of the country (2.66k people).

In 2019, there were 11.7 times more White (Non-Hispanic) residents (33.7k people) in Westerville, OH than any other race or ethnicity. There were 2.87k Black or African American (Non-Hispanic) and 1.27k Two+ (Non-Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in Westerville, OH

White (Non-Hispanic)
33.7k ± 936
Black or African American (Non-Hispanic)
2.87k ± 537
Two+ (Non-Hispanic)
1.27k ± 430

2.46%

Hispanic Population

981 people

2.46% of the people in Westerville, OH are hispanic (981 people).

The following chart shows the 7 races represented in Westerville, OH as a share of the total population.

Heritage

Foreign-Born Population

6.67%

2019 Foreign-Born Population

2.66k people

6.52%

2018 Foreign-Born Population

2.56k people

As of 2019, 6.67% of Westerville, OH residents (2.66k people) were born outside of the United States, which is lower than the national average of 13.7%. In 2018, the percentage of foreign-born citizens in Westerville, OH was 6.52%, meaning that the rate has been increasing.

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

Age by Nativity

Median Native-Born Age

± 1.3

Median Foreign-Born Age

± 6.6

In 2019, the median age of all people in Westerville, OH was 41.9. Native-born citizens, with a median age of 42, were generally younger than foreign-born citizens, with a median age of 42. But people in Westerville, OH are getting getting younger. In 2018, the average age of all Westerville, OH residents was 42.

Global Diversity

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

Most Common Origin

India
63,303 ± 6,160 people
Mexico
44,693 ± 5,180 people
China
34,554 ± 4,557 people

In 2019, the most common birthplace for the foreign-born residents of Ohio was India, the natal country of 63,303 Ohio residents, followed by Mexico with 44,693 and China with 34,554.

Citizenship

97.9%

2019 Citizenship

97.6%

2018 Citizenship

As of 2019, 97.9% of Westerville, OH residents were US citizens, which is higher than the national average of 93.4%. In 2018, the percentage of US citizens in Westerville, OH was 97.6%, meaning that the rate of citizenship has been increasing.

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

Military

Veterans

Most Common Service Period

Vietnam
1,094 ± 252
Gulf War (2001-)
518 ± 187
Korea
194 ± 110

Westerville, OH has a large population of military personnel who served in Vietnam, 2.11 times greater than any other conflict.

COVID-19

Daily New Cases by Date

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

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

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 Ohio. 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 Ohio.

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Community Mobility

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

This chart presents movement trends over time in the state of Ohio 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 Westerville, OH is $93,717. In 2019, the place with the highest median household income in Westerville, OH was Census Tract 117.40 with a value of $152,734, followed by Census Tract 117.50 and Census Tract 117.30, with respective values of $151,161 and $122,632.

Males in Ohio have an average income that is 1.35 times higher than the average income of females, which is $48,688. The income inequality in Ohio (measured using the Gini index) is 0.46, which is lower than than the national average.

The economy of Westerville, OH employs 20.8k people. The largest industries in Westerville, OH are Health Care & Social Assistance (2,690 people), Finance & Insurance (2,629 people), and Educational Services (2,508 people), and the highest paying industries are Utilities ($141,184), Finance & Insurance ($76,687), and Finance & Insurance, & Real Estate & Rental & Leasing ($75,510).

Wages

Median Household Income

$93,717

2019 value

± $1,719

3.62%

1 Year Growth

± 4.43%

Households in Westerville, OH have a median annual income of $93,717, which is more than the median annual income of $65,712 across the entire United States. This is in comparison to a median income of $90,443 in 2018, which represents a 3.62% annual growth.

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

Wage by Gender in Common Jobs

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

$65,641

Average Male Salary in Ohio

± $1,032

$48,688

Average Female Salary in Ohio

± $771

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

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

Wage by Race and Ethnicity in Common Jobs

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

Highest Average Salaries by Race & Ethnicity in Ohio

Asian
$64,199 ± $5,065
White
$50,885 ± $647
American Indian
$40,448 ± $14,829

In 2019 the highest paid race/ethnicity of Ohio workers was Asian. These workers were paid 1.26 times more than White workers, who made the second highest salary of any race/ethnicity in Ohio.

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

Wage Distribution

The closest comparable wage GINI for Westerville, OH is from Ohio.

0.46

2019 Wage GINI in Ohio

0.461

2018 Wage GINI in Ohio

In 2019, the income inequality in Ohio was 0.46 according to the GINI calculation of the wage distribution. Income inequality had a 0.131% decline from 2018 to 2019, which means that wage distribution grew somewhat more even. The GINI for Ohio was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Ohio in comparison to the national average.

This chart shows the number of workers in Ohio 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 117.40
Census Tract 117.50
Census Tract 117.30

In 2019, the place with the highest Median Household Income (Total) in Westerville, OH was Census Tract 117.40 with a value of $152,734, followed by Census Tract 117.50 and Census Tract 117.30, with respective values of $151,161 and $122,632.

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

Poverty by Age and Gender

Females 65 - 74

Largest Demographic Living in Poverty

6.52% of the population for whom poverty status is determined in Westerville, OH (2.47k out of 37.9k people) live below the poverty line, a number that is lower than the national average of 12.3%. The largest demographic living in poverty are Females 65 - 74, followed by Males 18 - 24 and then Females 25 - 34.

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
1,795 ± 393
Two Or More
342 ± 254
Black
266 ± 173

The most common racial or ethnic group living below the poverty line in Westerville, OH is White, followed by Two Or More and Black.

Occupations

Employment by Occupations

20.8k

2019 Value

± 1,030

2.54%

1 Year growth

± 6.83%

From 2018 to 2019, employment in Westerville, OH grew at a rate of 2.54%, from 20.3k employees to 20.8k employees.

The most common job groups, by number of people living in Westerville, OH, are Management Occupations (3,322 people), Sales & Related Occupations (2,118 people), and Office & Administrative Support Occupations (2,105 people). This chart illustrates the share breakdown of the primary jobs held by residents of Westerville, OH.

Most Common

The most common jobs held by residents of Westerville, OH, by number of employees, are Management Occupations (3,322 people), Sales & Related Occupations (2,118 people), and Office & Administrative Support Occupations (2,105 people).

Most Specialized

Compared to other places, Westerville, OH has an unusually high number of residents working as Legal Occupations (2.03 times higher than expected), Computer & Mathematical Occupations (1.62 times), and Business & Financial Operations Occupations (1.61 times).

Highest Paid

The highest paid jobs held by residents of Westerville, OH, by median earnings, are Computer & Mathematical Occupations ($94,855), Architecture & Engineering Occupations ($93,503), and Computer, Engineering, & Science Occupations ($93,175).

Industries

Employment by Industries

20.8k

2019 Value

± 1,030

2.54%

1 Year growth

± 6.83%

From 2018 to 2019, employment in Westerville, OH grew at a rate of 2.54%, from 20.3k employees to 20.8k employees.

The most common employment sectors for those who live in Westerville, OH, are Health Care & Social Assistance (2,690 people), Finance & Insurance (2,629 people), and Educational Services (2,508 people). This chart shows the share breakdown of the primary industries for residents of Westerville, OH, though some of these residents may live in Westerville, OH and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Westerville, OH, by number of employees, are Health Care & Social Assistance (2,690 people), Finance & Insurance (2,629 people), and Educational Services (2,508 people).

Most Specialized

Compared to other places, Westerville, OH has an unusually high number of Finance & Insurance (2.72 times higher than expected), Management of Companies & Enterprises (2.44 times), and Arts, Entertainment, & Recreation (1.54 times) industries.

Highest Paying

The highest paying industries in Westerville, OH, by median earnings, are Utilities ($141,184), Finance & Insurance ($76,687), and Finance & Insurance, & Real Estate & Rental & Leasing ($75,510).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

In 2018, the top outbound Ohio product (by dollars) was Motorized vehicles with $79.7B, followed by Mixed freight ($71B) and Machinery ($49.9B).

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

Domestic Trade Growth

Showing data for Ohio.

$678B

2018 Value in Ohio

$1.22T

Projected 2045 Value in Ohio

80.7% growth

In 2018, total outbound Ohio trade was $678B. This is expected to increase 80.7% to $1.22T by 2045.

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

Interstate Trade

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

Most Common Trade Partners

Michigan
$63.5B
Indiana
$35.9B
Pennsylvania
$32.6B

In 2018, the top outbound Ohio domestic partner for goods and services (by dollars) was Michigan with $63.5B, followed by Indiana with $35.9B and Pennsylvania and $32.6B.

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

Civics

In the 2016 presidential election, the popular vote in Franklin County, OH went to Hillary Rodham Clinton with 60.4% of the vote. The runner-up was Donald J. Trump (34.3%), followed by Other (5.27%). The most partisan county was Mercer County, OH with 80.6% of the vote going to Donald J. Trump running for the Republican Party.

Sherrod Brown and Rob Portman are the senators currently representing the state of Ohio. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Ohio is currently represented by 16 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 Westerville, OH. Showing the available data for Franklin County, OH.

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

Hillary Rodham Clinton (60.4%)
Democratic Party
Donald J. Trump (34.3%)
Republican Party
Other (5.27%)
Other Party

In the 2016 presidential election, the popular vote in Ohio went to Hillary Rodham Clinton with 60.4% of the vote. The runner-up was Donald J. Trump (34.3%), followed by Other (5.27%).

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

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

Hillary Rodham Clinton

Popular Vote for Franklin County, OH

60.4% for the Democratic Party

Most Partisan Counties in Ohio

Mercer County, OH
80.6% for Donald J. Trump (Republican Party)
Putnam County, OH
79.7% for Donald J. Trump (Republican Party)
Auglaize County, OH
79% for Donald J. Trump (Republican Party)

In the 2016 presidential election, the most partisan county in Ohio was Mercer County, OH with 80.6% of the vote going to Donald J. Trump running for the Republican Party.

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

US Senators from Ohio

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

Sherrod Brown

Senator from Ohio

Assumed office on January 3, 2007

Rob Portman

Senator from Ohio

Assumed office on January 3, 2011

Sherrod Brown and Rob Portman are the senators currently representing Ohio.

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

US Representatives from Ohio

Ohio is currently represented by 16 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 Ohio have changed over time starting in 2008.

Education

In 2019, universities in Westerville, OH awarded 1,808 degrees. The student population of Westerville, OH is skewed towards men, with 2,710 male students and 2,131 female students.

Most students graduating from Universities in Westerville, OH are White (1,114 and 61.9%), followed by Black or African American (413 and 23%), Hispanic or Latino (114 and 6.34%), and Two or More Races (60 and 3.34%).

The largest universities in Westerville, OH by number of degrees awarded are MyComputerCareer.edu-Columbus (1,044 and 57.7%), Otterbein University (733 and 40.5%), and Dental Assistant Pro LLC-Columbus (31 and 1.71%).

The most popular majors in Westerville, OH are Computer Systems Networking & Telecommunications (815 and 45.1%), Computer & Information Systems Security (218 and 12.1%), and Registered Nursing (49 and 2.71%).

The median tuition cost in Westerville, OH for private four year colleges is $32,024.

Concentrations

Most Common

Computer Systems Networking & Telecommunications
815 degree-majorss awarded
Computer & Information Systems Security
218 degree-majorss awarded
Dental Assisting
31 degree-majorss awarded

In 2019, the most common concentation for < 1 Year Postsecondary Certificate recipients in Westerville, OH was Computer Systems Networking & Telecommunications with 815 degrees awarded.

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

Universities

Largest Universities by degrees awarded

MyComputerCareer.edu-Columbus
1,044 degrees awarded
Otterbein University
733 degrees awarded
Dental Assistant Pro LLC-Columbus
31 degrees awarded

$32,024

Median Private

In 2019, the Westerville, OH institution with the largest number of graduating students was MyComputerCareer.edu-Columbus with 1,044 degrees awarded.

Student Gender for Common Institutions

1,130

Degrees Awarded to Men

678

Degrees Awarded to Women

In 2019, 1,130 men were awarded degrees from institutions in Westerville, OH, which is 1.67 times more than the 678 female students who received degrees in the same year.

This chart displays the gender disparity between the institutions in Westerville, OH by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
1,114 degrees awarded
Black or African American
413 degrees awarded
Hispanic or Latino
114 degrees awarded

In 2019 the most common race/ethnicity group awarded degrees at institutions in Westerville, OH was White students. These 1,114 degrees mean that there were 2.7 times more degrees awarded to White students then the next closest race/ethnicity group, Black or African American, with 413 degrees awarded.

Housing & Living

The median property value in Westerville, OH was $237,300 in 2019, which is 0.987 times smaller than the national average of $240,500. Between 2018 and 2019 the median property value increased from $226,700 to $237,300, a 4.68% increase. The homeownership rate in Westerville, OH is 77.6%, which is higher than the national average of 64.1%. People in Westerville, OH have an average commute time of 20.5 minutes, and they drove alone to work. Car ownership in Westerville, OH is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$237,300

2019 Median

± $4,594

$226,700

2018 Median

± $4,782

In 2019, the median property value in Westerville, OH grew to to $237,300 from the previous year's value of $226,700.

The following charts display, first, the property values in Westerville, OH 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 Westerville, OH 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.

$93,717

Median Household Income

± $1,719

14.6k

Number of Households

± 824

In 2019, the median household income of the 14.6k households in Westerville, OH grew to $93,717 from the previous year's value of $90,443.

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

Rent vs Own

77.6%

2019 Homeownership

77.4%

2018 Homeownership

In 2019, 77.6% of the housing units in Westerville, OH were occupied by their owner. This percentage grew from the previous year's rate of 77.4%.

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

Commute Time

20.5 minutes

Average Travel Time

Using averages, employees in Westerville, OH have a shorter commute time (20.5 minutes) than the normal US worker (25.5 minutes). Additionally, 1.49% of the workforce in Westerville, OH have "super commutes" in excess of 90 minutes.

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

Commuter Transportation

Most Common Commute in 2019

Drove Alone (81.6%)
Worked At Home (7.87%)
Carpooled (6.79%)

In 2019, 81.6% of workers in Westerville, OH drove alone to work, followed by those who worked at home (7.87%) and those who carpooled to work (6.79%).

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

Health

96.2% of the population of Westerville, OH has health coverage, with 64.5% on employee plans, 6.66% on Medicaid, 13.9% on Medicare, 10.3% on non-group plans, and 0.862% on military or VA plans.

Per capita personal health care spending in Ohio was $8,712 in 2014. This is a 5.14% increase from the previous year ($8,286).

Primary care physicians in Franklin County, OH see 988 patients per year on average, which represents a 0.803% decrease from the previous year (996 patients). Compare this to dentists who see 1074 patients per year, and mental health providers who see 308 patients per year.

Comparing across all counties in the state, Lawrence County has the highest prevalence of diabetes (19.1%). Additionally, Jackson County has the highest prevalence of adult obesity (42.8%)

Patient to Clinician Ratios

Data is only available at the country level. Showing data for Franklin County, OH.

988 to 1

Patient to Primary Care Physician Ratio in Franklin County, OH

Primary care physicians in Franklin County, OH see an average of 988 patients per year. This represents a 0.803% decrease from the previous year (996 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Franklin County, OH 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 Ohio.

$8,712

Total Per Capita Spending on Personal Health Care in Ohio

$4,371

Per Enrollee Private Health Insurance Spending on Personal Health Care

$7,007

Per Enrollee Medicaid Spending on Personal Health Care

$11,038

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Ohio (including private, Medicare, and Medicaid) grew 5.14%, from $8,286 to $8,712.

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

Health Care Coverage

3.77%

Uninsured

64.5%

Employer Coverage

6.66%

Medicaid

13.9%

Medicare

10.3%

Non-Group

0.862%

Military or VA

Between 2018 and 2019, the percent of uninsured citizens in Westerville, OH grew by 3.52% from 3.65% to 3.77%.

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