Greater Elmira & Greater Corning Cities PUMA, NY

Public Use Microdata Area (PUMA)

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2020 Population
100,006
0.611% 1-year decline
US Senator
Chuck Schumer
Democratic Party
US Senator
Kirsten Gillibrand
Democratic Party
2020 Median Age
41.2
0.98% 1-year increase
2018 Poverty Rate
14.5%
5.72% 1-year decrease
2020 Median Household Income
$56,801
1.41% 1-year growth
2020 Median Property Value
$113,400
3.28% 1-year growth
2020 Employed Population
43,391
0.122% 1-year growth

About

In 2020, Greater Elmira & Greater Corning Cities PUMA, NY had a population of 100k people with a median age of 41.2 and a median household income of $56,801. Between 2019 and 2020 the population of Greater Elmira & Greater Corning Cities PUMA, NY declined from 100,621 to 100,006, a −0.611% decrease and its median household income grew from $56,013 to $56,801, a 1.41% increase.

The 5 largest ethnic groups in Greater Elmira & Greater Corning Cities PUMA, NY are White (Non-Hispanic) (86.6%), Black or African American (Non-Hispanic) (5.43%), Two+ (Non-Hispanic) (2.73%), Asian (Non-Hispanic) (2.25%), and White (Hispanic) (1.4%).

5.47% of the households in Greater Elmira & Greater Corning Cities PUMA, NY 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 Greater Elmira & Greater Corning Cities PUMA, NY are U.S. citizens.

The largest universities in Chemung (South) & Steuben (East) Counties--Greater Elmira & Greater Corning Cities PUMA, NY are SUNY Corning Community College (473 degrees awarded in 2020), Elmira College (256 degrees), and Schuyler Steuben Chemung Tioga Allegany BOCES (72 degrees).

In 2020, the median property value in Greater Elmira & Greater Corning Cities PUMA, NY was $113,400, and the homeownership rate was 65.1%.

Most people in Greater Elmira & Greater Corning Cities PUMA, NY drove alone to work, and the average commute time was 18 minutes. The average car ownership in Greater Elmira & Greater Corning Cities PUMA, NY was 2 cars per household.

geosearchPopulation & Diversity

Greater Elmira & Greater Corning Cities PUMA, NY is home to a population of 100k people, from which 97.5% are citizens. As of 2020, 4.33% of Greater Elmira & Greater Corning Cities PUMA, NY residents were born outside of the country (4.33k people).

In 2018, there were 16 times more White (Non-Hispanic) residents (88.1k people) in Greater Elmira & Greater Corning Cities PUMA, NY than any other race or ethnicity. There were 5.52k Black or African American (Non-Hispanic) and 2.77k Two+ (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary langauge in households in Greater Elmira & Greater Corning Cities PUMA, NY are Spanish (1,547 households), Chinese (Incl. Mandarin, Cantonese) (695 households), and Russian (493 households).

Residents by Gender and Age

RACE/ETHNICITY
51,409
Women
51.3%
48,855
Men
48.7%

The resident population of United States in 2020 was 100,264 inhabitants, with 48.7% men, and 51.3% 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%
2020 Citizenship
97.8%
2019 Citizenship

As of 2020, 97.5% of Greater Elmira & Greater Corning Cities PUMA, NY residents were US citizens, which is higher than the national average of 93.4%. In 2019, the percentage of US citizens in Greater Elmira & Greater Corning Cities PUMA, NY was 97.8%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Greater Elmira & Greater Corning Cities PUMA, NY compared to that of it's neighboring and parent geographies.

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Race and Ethnicity

The 3 largest ethnic groups in Greater Elmira & Greater Corning Cities PUMA, NY
  1. White (Non-Hispanic)
    88.1k ± 443
  2. Black or African American (Non-Hispanic)
    5.52k ± 485
  3. Two+ (Non-Hispanic)
    2.77k ± 380
2.63%
Hispanic Population
2.68k people

In 2018, there were 16 times more White (Non-Hispanic) residents (88.1k people) in Greater Elmira & Greater Corning Cities PUMA, NY than any other race or ethnicity. There were 5.52k Black or African American (Non-Hispanic) and 2.77k Two+ (Non-Hispanic) residents, the second and third most common ethnic groups.

2.63% of the people in Greater Elmira & Greater Corning Cities PUMA, NY are hispanic (2.68k people).

The following chart shows the 7 races represented in Greater Elmira & Greater Corning Cities PUMA, NY as a share of the total population.

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Global Diversity

Most Common Origin
  1. China
    608 ± 604 people
  2. India
    596 ± 598 people
  3. Canada
    590 ± 595 people

In 2020, the most common birthplace for the foreign-born residents of Greater Elmira & Greater Corning Cities PUMA, NY was China, the natal country of 608 Greater Elmira & Greater Corning Cities PUMA, NY residents, followed by India with 596 and Canada with 590.

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Foreign-Born Population

4.33%
2020 Foreign-Born Population
4.33k people
4.15%
2019 Foreign-Born Population
4.17k people

As of 2020, 4.33% of Greater Elmira & Greater Corning Cities PUMA, NY residents (4.33k people) were born outside of the United States, which is lower than the national average of 13.5%. In 2019, the percentage of foreign-born citizens in Greater Elmira & Greater Corning Cities PUMA, NY was 4.15%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Greater Elmira & Greater Corning Cities PUMA, NY compared to that of it's neighboring and parent geographies.

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Non-English Households

Most Common Non-English Languages
  1. Spanish
    1,547 households (1.63%)
  2. Chinese (Incl. Mandarin, Cantonese)
    695 households (0.732%)
  3. Russian
    493 households (0.519%)

5.47% of the households in Greater Elmira & Greater Corning Cities PUMA, NY reported speaking a non-English language at home as their primary shared language, which is lower than the national average of 21.5%. 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 2020, the most common non-English language spoken in households in Greater Elmira & Greater Corning Cities PUMA, NY was Spanish. 1.63% of the households in Greater Elmira & Greater Corning Cities PUMA, NY 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
    2,279 ± 297
  2. Gulf War (1990s)
    1,199 ± 306
  3. Gulf War (2001-)
    1,092 ± 233

Greater Elmira & Greater Corning Cities PUMA, NY has a large population of military personnel who served in Vietnam, 1.9 times greater than any other conflict.

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briefcaseEconomy

The economy of Greater Elmira & Greater Corning Cities PUMA, NY employs 43.4k people. The largest industries in Greater Elmira & Greater Corning Cities PUMA, NY are Elementary & secondary schools (4,042 people), Glass & glass product manufacturing (3,187 people), and General medical and surgical hospitals, and specialty (except psychiatric and substance abuse) hospitals (2,738 people), and the highest paying industries are Electronic component & product manufacturing, n.e.c. ($197,636), Scientific research & development services ($159,786), and Miscellaneous fabricated metal products manufacturing ($131,612).

Males in Greater Elmira & Greater Corning Cities PUMA, NY have an average income that is 1.38 times higher than the average income of females, which is $53,185. The income inequality in Greater Elmira & Greater Corning Cities PUMA, NY (measured using the Gini index) is 0.475, which is lower than than the national average.

Workforce Diversity

Measure
RACE/ETHNICITY
21,653
Women
49.9%
21,738
Men
50.1%

The workforce of Greater Elmira & Greater Corning Cities PUMA, NY in 2020 was 43,391 people, with 49.9% woman, and 50.1% men.

The visualization shows the distribution of the workforce by gender and age in Greater Elmira & Greater Corning Cities PUMA, NY.

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

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Occupations

43.4k
2020 Value
0.122%
1 Year growth
± 0.122%

From 2019 to 2020, employment in Greater Elmira & Greater Corning Cities PUMA, NY grew at a rate of 0.122%, from 43.3k employees to 43.4k employees.

The most common job groups, by number of people living in Greater Elmira & Greater Corning Cities PUMA, NY, are Elementary & middle school teachers (1,406 people), Cashiers (1,297 people), and Registered nurses (1,272 people). This chart illustrates the share breakdown of the primary jobs held by residents of Greater Elmira & Greater Corning Cities PUMA, NY.

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Unemployment Insurance Claims

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

This chart shows weekly unemployment insurance claims in New York (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

43.4k
2020 Value
0.122%
1 Year growth
± 0.122%

From 2019 to 2020, employment in Greater Elmira & Greater Corning Cities PUMA, NY grew at a rate of 0.122%, from 43.3k employees to 43.4k employees.

The most common employment sectors for those who live in Greater Elmira & Greater Corning Cities PUMA, NY, are Elementary & secondary schools (4,042 people), Glass & glass product manufacturing (3,187 people), and General medical and surgical hospitals, and specialty (except psychiatric and substance abuse) hospitals (2,738 people). This chart shows the share breakdown of the primary industries for residents of Greater Elmira & Greater Corning Cities PUMA, NY, though some of these residents may live in Greater Elmira & Greater Corning Cities PUMA, NY and work somewhere else. Census data is tagged to a residential address, not a work address.

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Median Earnings by Industry

$45,521
Median earning men ± $2,030
$31,898
Median earning women ± $1,257

The industries with the best median earnings for men in 2020 are Public Administration ($70,407), Manufacturing ($61,989), and Educational Services, & Health Care & Social Assistance ($48,398).

The industries with the best median earnings for women in 2020 are Agriculture, Forestry, Fishing & Hunting, & Mining ($115,078), Manufacturing ($60,614), and Public Administration ($52,593).

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Employment by Industry Sector

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

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Domestic Production & Consumption

Domestic production and consumption consists of products and services shipped from New York to other states, or from other states to New York.
Top Domestic Production in Dollars
  1. $140B
  2. $74.5B
  3. $67.4B

In 2020, the top outbound New York product (by dollars) was Misc. mfg. prods. with $140B, followed by Electronics ($74.5B) and Mixed freight ($67.4B).

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

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Domestic Trade Growth

Showing data for New York.
$818B
2020 Value in New York
$1.62T
Projected 2050 Value in New York
98% growth

In 2020, total outbound New York trade was $818B. This is expected to increase 98% to $1.62T by 2050.

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

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Interstate Trade

Interstate trade consists of products and services shipped from New York to other states, or from other states to New York.
Most Common Trade Partners
  1. $67.2B
  2. $49.9B
  3. $31.3B

In 2020, the top outbound New York domestic partner for goods and services (by dollars) was New Jersey with $67.2B, followed by Pennsylvania with $49.9B and California and $31.3B.

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

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flagCivics

Chuck Schumer and Kirsten Gillibrand are the senators currently representing the state of New York. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

New York is currently represented by 27 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

US Senators from New York

Senatorial voting results are only available at the state level. Showing data for New York.
Chuck Schumer
Senator from New York3
Assumed office on January 3, 1999
Kirsten Gillibrand
Senator from New York1
Assumed office on January 26, 2009
Appointed to the seat following the resignation of Hillary Clinton, who had become Secretary of State.

Chuck Schumer and Kirsten Gillibrand are the senators currently representing New York.

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

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US Representatives from New York

New York is currently represented by 27 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 New York have changed over time starting in 2008.

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learningEducation

In 2020, universities in Greater Elmira & Greater Corning Cities PUMA, NY awarded 855 degrees. The student population of Greater Elmira & Greater Corning Cities PUMA, NY in 2020 is skewed towards women, with 1,952 male students and 3,050 female students.

Most students graduating from Universities in Greater Elmira & Greater Corning Cities PUMA, NY are White (714 and 84.7%), followed by Hispanic or Latino (31 and 3.68%), Black or African American (29 and 3.44%), and Unknown (27 and 3.2%).

The largest universities in Greater Elmira & Greater Corning Cities PUMA, NY by number of degrees awarded are SUNY Corning Community College (473 and 55.3%), Elmira College (256 and 29.9%), and Schuyler Steuben Chemung Tioga Allegany BOCES (72 and 8.42%).

The most popular majors in Chemung (South) & Steuben (East) Counties--Greater Elmira & Greater Corning Cities PUMA, NY are Registered Nursing (128 and 15%), Humanistic Studies (122 and 14.3%), and General Business Administration & Management (111 and 13%).

The median tuition cost in Chemung (South) & Steuben (East) Counties--Greater Elmira & Greater Corning Cities PUMA, NY for private four year colleges is $34,578.

Applicants, Admissions & Enrolled

University
Measure

In 2020 in Greater Elmira & Greater Corning Cities PUMA, NY, the percentage of applicants admitted was 83.2%, while the percentage of admitted who enrolled was 11.8%. The number of students enrolled in 2020 was 5,002 (39% men and 61% 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 2020 there were 5,002 students enrolled in Greater Elmira & Greater Corning Cities PUMA, NY, 39% men and 61% women.

By race, the largest number of students enrolled was concentrated in White with 2,459 records, of which 65.6% were women and 34.4% men.

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Concentrations

Most Common
  1. 60 degree-majors awarded
  2. 122 degree-majors awarded
  3. 75 degree-majors awarded

In 2020, the most common concentation for Associates Degree recipients in Chemung (South) & Steuben (East) Counties--Greater Elmira & Greater Corning Cities PUMA, NY was General Business Administration & Management with 60 degrees awarded.

This visualization illustrates the percentage of students graduating with a Associates Degree from schools in Chemung (South) & Steuben (East) Counties--Greater Elmira & Greater Corning Cities PUMA, NY according to their major.

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Universities

Gender
Race
Largest Universities by degrees awarded
  1. 473 degrees awarded
  2. 256 degrees awarded
  3. 72 degrees awarded

In 2020, the institution with the largest number of graduating students was SUNY Corning Community College with 473 degrees awarded.

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Student Diversity

University

In 2020, 270 men were awarded degrees from institutions in Greater Elmira & Greater Corning Cities PUMA, NY, which is 0.462 times less than the 585 female students who received degrees in the same year.

In 2020 the most common race/ethnicity group awarded degrees at institutions was White students. These 714 degrees mean that there were 23 times more degrees awarded to White students then the next closest race/ethnicity group, Hispanic or Latino, with 31 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

Private not-for-profit, 4-year or above ($34,578) is the sector with the highest median state tuition in 2020.

Private not-for-profit, 4-year or above ($1,650) is the sector with the highest median state fee in 2020.

Private for-profit, 2-year ($4,000) 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 2020, 0.516% of men over 25 years of age had not completed any academic degree (no schooling), while 0.582% 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 Greater Elmira & Greater Corning Cities PUMA, NY in 2020 were High School or Equivalent (25k), Some college (15.5k), and Secondary Education (11.5k).

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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homeHousing & Living

The median property value in Greater Elmira & Greater Corning Cities PUMA, NY was $113,400 in 2020, which is 0.493 times smaller than the national average of $229,800. Between 2019 and 2020 the median property value increased from $109,800 to $113,400, a 3.28% increase. The homeownership rate in Greater Elmira & Greater Corning Cities PUMA, NY is 65.1%, which is approximately the same as the national average of 64.4%.

People in Greater Elmira & Greater Corning Cities PUMA, NY have an average commute time of 18 minutes, and they drove alone to work. Car ownership in Greater Elmira & Greater Corning Cities PUMA, NY is approximately the same as the national average, with an average of 2 cars per household.

Median household income in Greater Elmira & Greater Corning Cities PUMA, NY is $56,801. In 2020, the PUMA with the highest Median Household Income in Greater Elmira & Greater Corning Cities PUMA, NY was Battery Park City, Greenwich Village & Soho PUMA, NY with a value of $153,924, followed by Hempstead Town (East Central) PUMA, NY and North Hempstead Town (North) PUMA, NY, with respective values of $146,985 and $144,352.

Property

$113,400
Median Property Value 2020
±$3,600
$27,260
Median Property Taxes
±$1,088

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 Greater Elmira & Greater Corning Cities PUMA, NY the largest share of households pay taxes in the $3k+ range.

The chart underneath the paragraph shows the property taxes in Greater Elmira & Greater Corning Cities PUMA, NY compared to it's parent and neighbor geographies.

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Rent vs Own

65.1%
Homeownership
2020
60.8%
Homeowners with Mortgage
2020

In 2020, 65.1% of the housing units in Greater Elmira & Greater Corning Cities PUMA, NY were occupied by their owner. This percentage declined from the previous year's rate of 65.5%.

This chart shows the percentage of owner in Greater Elmira & Greater Corning Cities PUMA, NY 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 2020, the PUMA with the highest Median Household Income (Total) in Greater Elmira & Greater Corning Cities PUMA, NY was Battery Park City, Greenwich Village & Soho PUMA, NY with a value of $153,924, followed by Hempstead Town (East Central) PUMA, NY and North Hempstead Town (North) PUMA, NY, with respective values of $146,985 and $144,352.

The following map shows all of the PUMAs in Greater Elmira & Greater Corning Cities PUMA, NY 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.
$56,801
Median Household Income
± $2,505
41.9k
Number of Households
± 1,352

In 2020, the median household income of the 41.9k households in Greater Elmira & Greater Corning Cities PUMA, NY grew to $56,801 from the previous year's value of $56,013.

The following chart displays the households in Greater Elmira & Greater Corning Cities PUMA, NY 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

0.475
2020 Wage GINI in Greater Elmira & Greater Corning Cities PUMA, NY
0.468
2019 Wage GINI in Greater Elmira & Greater Corning Cities PUMA, NY

In 2020, the income inequality in Greater Elmira & Greater Corning Cities PUMA, NY was 0.475 according to the GINI calculation of the wage distribution. Income inequality had a 1.52% growth from 2019 to 2020, which means that wage distribution grew somewhat less even. The GINI for Greater Elmira & Greater Corning Cities PUMA, NY was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Greater Elmira & Greater Corning Cities PUMA, NY in comparison to the national average.

This chart shows the number of workers in Greater Elmira & Greater Corning Cities PUMA, NY across various wage buckets compared to the national average.

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Commuter Transportation

Most Common Commute in 2020
  1. Drove Alone (81.4%)
  2. Carpooled (8.26%)
  3. Worked At Home (3.93%)

In 2020, 81.4% of workers in Greater Elmira & Greater Corning Cities PUMA, NY drove alone to work, followed by those who carpooled to work (8.26%) and those who worked at home (3.93%).

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

18 minutes
Average Travel Time

Using averages, employees in Greater Elmira & Greater Corning Cities PUMA, NY have a shorter commute time (18 minutes) than the normal US worker (26.9 minutes). Additionally, 1.84% of the workforce in Greater Elmira & Greater Corning Cities PUMA, NY have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Greater Elmira & Greater Corning Cities PUMA, NY 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 Greater Elmira & Greater Corning Cities PUMA, NY distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Greater Elmira & Greater Corning Cities PUMA, NY have 2 cars.

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Poverty & Diversity

14.5% of the population for whom poverty status is determined in Greater Elmira & Greater Corning Cities PUMA, NY (14k out of 96.7k people) live below the poverty line, a number that is higher than the national average of 12.8%. The largest demographic living in poverty are Females 25 - 34, followed by Males 25 - 34 and then Females 18 - 24.

The most common racial or ethnic group living below the poverty line in Greater Elmira & Greater Corning Cities PUMA, NY is White, followed by Black and Two Or More.

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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pulseHealth

95.7% of the population of Greater Elmira & Greater Corning Cities PUMA, NY has health coverage, with 48.2% on employee plans, 21.6% on Medicaid, 13.8% on Medicare, 10.9% on non-group plans, and 1.25% on military or VA plans.

Per capita personal health care spending in New York was $9,778 in 2014. This is a 4.57% increase from the previous year ($9,351).

Primary care physicians in New York see 1194 patients per year on average, which represents a 2.05% decrease from the previous year (1219 patients). Compare this to dentists who see 1174 patients per year, and mental health providers who see 329 patients per year.

Daily New Cases by Date

Showing data at the state level for New York. 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 New York, as a 7-day rolling average, compared with the four states with the most similar number of confirmed cases.

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Patient to Clinician Ratios

Data is only available at the state level. Showing data for New York.
1,194 to 1
Patient to Primary Care Physician Ratio in New York

Primary care physicians in New York see an average of 1,194 patients per year. This represents a 2.05% decrease from the previous year (1,219 patients).

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

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Community Mobility

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

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

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Health Care Diversity

In 2020, insured persons according to age ranges were distributed in 22.9% under 18 years, 19.8% between 18 and 34 years, 39.2% between 35 and 64 years, and 18.1% over 64 years.

By gender, of the total number of insured persons, 46.9% were men and 53.1% were women.

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

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Uninsured People

4.26%
Uninsured
48.2%
Employer Coverage
21.6%
Medicaid
13.8%
Medicare
10.9%
Non-Group
1.25%
Military or VA

Between 2019 and 2020, the percent of uninsured citizens in Greater Elmira & Greater Corning Cities PUMA, NY grew by 5.72% from 4.03% to 4.26%.

The following chart shows how the percent of uninsured individuals in Greater Elmira & Greater Corning Cities PUMA, NY changed over time compared with the percent of individuals enrolled in various types of health insurance.

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