Weld County, CO

County

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2020 Population

315,389

3.29% 1-year growth

US Senator

Michael Bennet

Democratic Party

US Senator

John Hickenlooper

Democratic Party

2020 Median Age

34.6

0.581% 1-year increase

2020 Poverty Rate

10.3%

2.61% 1-year increase

2020 Median Household Income

$74,332

0.245% 1-year growth

2020 Median Property Value

$326,100

9.06% 1-year growth

2020 Employed Population

156,119

2.32% 1-year growth

About

In 2020, Weld County, CO had a population of 315k people with a median age of 34.6 and a median household income of $74,332. Between 2019 and 2020 the population of Weld County, CO grew from 305,345 to 315,389, a 3.29% increase and its median household income grew from $74,150 to $74,332, a 0.245% increase.

The 5 largest ethnic groups in Weld County, CO are White (Non-Hispanic) (65.1%), White (Hispanic) (22.1%), Other (Hispanic) (3.71%), Two+ (Hispanic) (3.24%), and Two+ (Non-Hispanic) (2.13%).

None of the households in Weld County, CO 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.

94.4% of the residents in Weld County, CO are U.S. citizens.

The largest universities in Weld County, CO are University of Northern Colorado (3,199 degrees awarded in 2020), Aims Community College (1,558 degrees), and Academy of Natural Therapy Inc (29 degrees).

In 2020, the median property value in Weld County, CO was $326,100, and the homeownership rate was 74.5%. Most people in Weld County, CO drove alone to work, and the average commute time was 27.9 minutes. The average car ownership in Weld County, CO was 2 cars per household.

Weld County, CO borders Adams County, CO, Boulder County, CO, Broomfield County, CO, Larimer County, CO, Logan County, CO, Morgan County, CO, Kimball County, NE, and Laramie County, WY.

About the photo: Pawnee Buttes, CO

Photo by Kimon Berlin

United States Colorado Greeley, CO

Diversity

Weld County, CO is home to a population of 315k people, from which 94.4% are citizens. As of 2020, 8.9% of Weld County, CO residents were born outside of the country (28.1k people).

In 2020, there were 2.94 times more White (Non-Hispanic) residents (205k people) in Weld County, CO than any other race or ethnicity. There were 69.8k White (Hispanic) and 11.7k Other (Hispanic) residents, the second and third most common ethnic groups.

Race and Ethnicity

The 3 largest ethnic groups in Weld County, CO

White (Non-Hispanic)
205k ± 249
White (Hispanic)
69.8k ± 1.47k
Other (Hispanic)
11.7k ± 1.2k

29.6%

Hispanic Population

93.4k people

29.6% of the people in Weld County, CO are hispanic (93.4k people).

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

Heritage

Foreign-Born Population

8.9%

2020 Foreign-Born Population

28.1k people

8.73%

2019 Foreign-Born Population

26.7k people

As of 2020, 8.9% of Weld County, CO residents (28.1k 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 Weld County, CO was 8.73%, meaning that the rate has been increasing.

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

Age by Nativity

Median Native-Born Age

± 0.2

Median Foreign-Born Age

± 1

In 2020, the median age of all people in Weld County, CO was 34.6. Native-born citizens, with a median age of 34, were generally younger than foreign-born citizens, with a median age of 41. But people in Weld County, CO are getting getting older. In 2019, the average age of all Weld County, CO residents was 34.

Global Diversity

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

Most Common Origin

Mexico
216,688 ± 11,209 people
India
20,857 ± 3,539 people
China
19,477 ± 3,421 people

In 2020, the most common birthplace for the foreign-born residents of Colorado was Mexico, the natal country of 216,688 Colorado residents, followed by India with 20,857 and China with 19,477.

Citizenship

94.4%

2020 Citizenship

94.4%

2019 Citizenship

As of 2020, 94.4% of Weld County, CO residents were US citizens, which is higher than the national average of 93.4%. In 2019, the percentage of US citizens in Weld County, CO was 94.4%, meaning that the rate of citizenship has been decreasing.

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

Military

Veterans

Most Common Service Period

Vietnam
5,455 ± 442
Gulf War (2001-)
3,847 ± 461
Gulf War (1990s)
2,651 ± 397

Weld County, CO has a large population of military personnel who served in Vietnam, 1.42 times greater than any other conflict.

COVID-19

Daily New Cases by Date

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

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

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 Colorado. 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 Colorado.

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Community Mobility

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

This chart presents movement trends over time in the state of Colorado 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 Weld County, CO is $74,332. In 2020, the tract with the highest Median Household Income in Weld County, CO was Census Tract 20.06 with a value of $138,482, followed by Census Tract 20.09 and Census Tract 20.17, with respective values of $137,500 and $135,417.

Males in Colorado have an average income that is 1.3 times higher than the average income of females, which is $57,644. The income inequality in Colorado (measured using the Gini index) is 0.467, which is lower than than the national average.

The economy of Weld County, CO employs 156k people. The largest industries in Weld County, CO are Retail Trade (17,387 people), Health Care & Social Assistance (16,977 people), and Manufacturing (16,639 people), and the highest paying industries are Mining, Quarrying, & Oil & Gas Extraction ($72,401), Utilities ($70,402), and Management of Companies & Enterprises ($68,598).

Wages

Median Household Income

$74,332

2020 value

± $1,878

0.245%

1 Year Growth

± 2.9%

Households in Weld County, CO have a median annual income of $74,332, which is more than the median annual income of $64,994 across the entire United States. This is in comparison to a median income of $74,150 in 2019, which represents a 0.245% annual growth.

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

Wage by Sex in Common Jobs

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

$74,881

Average Male Salary in Colorado

± $1,620

$57,644

Average Female Salary in Colorado

± $1,321

In 2020, full-time male employees in Colorado made 1.3 times more than female employees.

This chart shows the sex-based wage disparity in the 5 most common occupations in Colorado 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 Colorado.

Highest Average Salaries by Race & Ethnicity in Colorado

Asian
$63,078 ± $5,813
White
$60,521 ± $1,078
Native Hawaiian and Other Pacific Islander
$55,928 ± $29,600

In 2020 the highest paid race/ethnicity of Colorado workers was Asian. These workers were paid 1.04 times more than White workers, who made the second highest salary of any race/ethnicity in Colorado.

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

Wage Distribution

The closest comparable wage GINI for Weld County, CO is from Colorado.

0.467

2020 Wage GINI in Colorado

0.468

2019 Wage GINI in Colorado

In 2020, the income inequality in Colorado was 0.467 according to the GINI calculation of the wage distribution. Income inequality had a 0.264% decline from 2019 to 2020, which means that wage distribution grew somewhat more even. The GINI for Colorado was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Colorado in comparison to the national average.

This chart shows the number of workers in Colorado 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 20.06
Census Tract 20.09
Census Tract 20.17

In 2020, the tract with the highest Median Household Income (Total) in Weld County, CO was Census Tract 20.06 with a value of $138,482, followed by Census Tract 20.09 and Census Tract 20.17, with respective values of $137,500 and $135,417.

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

Poverty by Age and Sex

Females 18 - 24

Largest Demographic Living in Poverty

10.3% of the population for whom poverty status is determined in Weld County, CO (31.6k out of 308k people) live below the poverty line, a number that is lower than the national average of 12.8%. The largest demographic living in poverty are Females 18 - 24, followed by Females 25 - 34 and then Females 35 - 44.

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
25,814 ± 1,386
Hispanic
13,751 ± 979
Two Or More
2,472 ± 441

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

Occupations

Employment by Occupations

156k

2020 Value

± 3,077

2.32%

1 Year growth

± 2.54%

From 2019 to 2020, employment in Weld County, CO grew at a rate of 2.32%, from 153k employees to 156k employees.

The most common job groups, by number of people living in Weld County, CO, are Office & Administrative Support Occupations (17,531 people), Management Occupations (16,342 people), and Sales & Related Occupations (14,950 people). This chart illustrates the share breakdown of the primary jobs held by residents of Weld County, CO.

Most Common

The most common jobs held by residents of Weld County, CO, by number of employees, are Office & Administrative Support Occupations (17,531 people), Management Occupations (16,342 people), and Sales & Related Occupations (14,950 people).

Most Specialized

Compared to other counties, Weld County, CO has an unusually high number of residents working as Construction & Extraction Occupations (1.72 times higher than expected), Farming, Fishing, & Forestry Occupations (1.67 times), and Transportation Occupations (1.36 times).

Highest Paid

The highest paid jobs held by residents of Weld County, CO, by median earnings, are Architecture & Engineering Occupations ($83,107), Computer & Mathematical Occupations ($79,903), and Computer, Engineering, & Science Occupations ($79,070).

Industries

Employment by Industries

156k

2020 Value

± 3,077

2.32%

1 Year growth

± 2.54%

From 2019 to 2020, employment in Weld County, CO grew at a rate of 2.32%, from 153k employees to 156k employees.

The most common employment sectors for those who live in Weld County, CO, are Retail Trade (17,387 people), Health Care & Social Assistance (16,977 people), and Manufacturing (16,639 people). This chart shows the share breakdown of the primary industries for residents of Weld County, CO, though some of these residents may live in Weld County, CO and work somewhere else. Census data is tagged to a residential address, not a work address.

Most Common

The most common industries in Weld County, CO, by number of employees, are Retail Trade (17,387 people), Health Care & Social Assistance (16,977 people), and Manufacturing (16,639 people).

Most Specialized

Compared to other counties, Weld County, CO has an unusually high number of Mining, Quarrying, & Oil & Gas Extraction (6.66 times higher than expected), Agriculture, Forestry, Fishing & Hunting (2.14 times), and Construction (1.55 times) industries.

Highest Paying

The highest paying industries in Weld County, CO, by median earnings, are Mining, Quarrying, & Oil & Gas Extraction ($72,401), Utilities ($70,402), and Management of Companies & Enterprises ($68,598).

Domestic Trade

Domestic Production & Consumption

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

Top Domestic Production in Dollars

Mixed freight
$23.8B
Coal-n.e.c.
$20.7B
Machinery
$16.3B

In 2020, the top outbound Colorado product (by dollars) was Mixed freight with $23.8B, followed by Coal-n.e.c. ($20.7B) and Machinery ($16.3B).

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

Domestic Trade Growth

Showing data for Colorado.

$221B

2020 Value in Colorado

$434B

Projected 2050 Value in Colorado

96.6% growth

In 2020, total outbound Colorado trade was $221B. This is expected to increase 96.6% to $434B by 2050.

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

Interstate Trade

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

Most Common Trade Partners

California
$10.3B
Texas
$10.2B
Wyoming
$9.13B

In 2020, the top outbound Colorado domestic partner for goods and services (by dollars) was California with $10.3B, followed by Texas with $10.2B and Wyoming and $9.13B.

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

Civics

In the 2020 presidential election, the popular vote in Weld County, CO went to Donald J. Trump with 57.6% of the vote. The runner-up was Joseph R Biden Jr. (39.6%), followed by Jo Jorgensen (1.73%). The most partisan county was Kiowa County, CO with 88% of the vote going to Donald J. Trump running for the Republican Party.

Michael Bennet and John Hickenlooper are the senators currently representing the state of Colorado. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Colorado is currently represented by 7 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Popular Vote Over Time

2020 Election Results

Donald J. Trump (57.6%)
Republican Party
Joseph R Biden Jr. (39.6%)
Democratic Party
Jo Jorgensen (1.73%)
Libertarian Party

In the 2020 presidential election, the popular vote in Weld County, CO went to Donald J. Trump with 57.6% of the vote. The runner-up was Joseph R Biden Jr. (39.6%), followed by Jo Jorgensen (1.73%).

The following chart shows the popular vote results in Weld County, CO for each registered party from 1976 to 2020.

Presidential Popular Vote by County

Presidential voting results are only available at the county level. Showing data for the counties inside of Colorado.

Donald J. Trump

Popular Vote for Weld County, CO

57.6% for the Republican Party

Most Partisan Counties in Colorado

Kiowa County, CO
88% for Donald J. Trump (Republican Party)
Cheyenne County, CO
87.4% for Donald J. Trump (Republican Party)
Washington County, CO
86.3% for Donald J. Trump (Republican Party)

In the 2020 presidential election, the most partisan county in Colorado was Kiowa County, CO with 88% of the vote going to Donald J. Trump running for the Republican Party.

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

US Senators from Colorado

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

Michael Bennet

Senator from Colorado

Assumed office on January 21, 2009
Appointed to the seat following the resignation of Ken Salazar, who had become Secretary of the Interior.

John Hickenlooper

Senator from Colorado

Assumed office on January 3, 2021

Michael Bennet and John Hickenlooper are the senators currently representing Colorado.

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

US Representatives from Colorado

Colorado is currently represented by 7 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 Colorado have changed over time starting in 2008.

Education

In 2020, universities in Weld County, CO awarded 4,786 degrees. The student population of Weld County, CO is skewed towards women, with 6,133 male students and 11,349 female students.

Most students graduating from Universities in Weld County, CO are White (3,072 and 65.2%), followed by Hispanic or Latino (1,141 and 24.2%), Two or More Races (143 and 3.03%), and Asian (118 and 2.5%).

The largest universities in Weld County, CO by number of degrees awarded are University of Northern Colorado (3,199 and 66.8%), Aims Community College (1,558 and 32.6%), and Academy of Natural Therapy Inc (29 and 0.606%).

The most popular majors in Weld County, CO are Liberal Arts & Sciences (377 and 7.88%), Registered Nursing (283 and 5.91%), and General Business Administration & Management (217 and 4.53%).

The median tuition cost in Weld County, CO for a public four year colleges is $7,596 for in-state students and $19,854 for out-of-state students.

Concentrations

Most Common

General Business Administration & Management
201 degree-majorss awarded
Registered Nursing
193 degree-majorss awarded
General Psychology
188 degree-majorss awarded

In 2020, the most common concentation for Bachelors Degree recipients in Weld County, CO was General Business Administration & Management with 201 degrees awarded.

This visualization illustrates the percentage of students graduating with a Bachelors Degree from schools in Weld County, CO according to their major.

Universities

Largest Universities by degrees awarded

University of Northern Colorado
3,199 degrees awarded
Aims Community College
1,558 degrees awarded
Academy of Natural Therapy Inc
29 degrees awarded

$7,596

Median In-State Public

In 2020, the Weld County, CO institution with the largest number of graduating students was University of Northern Colorado with 3,199 degrees awarded.

Student Sex for Common Institutions

1,659

Degrees Awarded to Men

3,127

Degrees Awarded to Women

In 2020, 1,659 men were awarded degrees from institutions in Weld County, CO, which is 0.531 times less than the 3,127 female students who received degrees in the same year.

This chart displays the sex disparity between the institutions in Weld County, CO by degrees awarded.

Student Race and Ethnicity

Most Common Student Race or Ethnicity

White
3,072 degrees awarded
Hispanic or Latino
1,141 degrees awarded
Two or More Races
143 degrees awarded

In 2020 the most common race/ethnicity group awarded degrees at institutions in Weld County, CO was White students. These 3,072 degrees mean that there were 2.69 times more degrees awarded to White students then the next closest race/ethnicity group, Hispanic or Latino, with 1,141 degrees awarded.

Housing & Living

The median property value in Weld County, CO was $326,100 in 2020, which is 1.42 times larger than the national average of $229,800. Between 2019 and 2020 the median property value increased from $299,000 to $326,100, a 9.06% increase. The homeownership rate in Weld County, CO is 74.5%, which is higher than the national average of 64.4%. People in Weld County, CO have an average commute time of 27.9 minutes, and they drove alone to work. Car ownership in Weld County, CO is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property Value

$326,100

2020 Median

± $3,715

$299,000

2019 Median

± $3,597

In 2020, the median property value in Weld County, CO grew to to $326,100 from the previous year's value of $299,000.

The following charts display, first, the property values in Weld County, CO 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 Weld County, CO the largest share of households have a property value in the $300k - $400k range.

Household Income

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

$74,332

Median Household Income

± $1,878

102k

Number of Households

± 2,272

In 2020, the median household income of the 102k households in Weld County, CO grew to $74,332 from the previous year's value of $74,150.

The following chart displays the households in Weld County, CO distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $75k - $100k range.

Property Taxes

$800 - $1,499

Average Range

This chart shows the households in Weld County, CO distributed between a series of property tax buckets compared to the national averages for each bucket. In Weld County, CO the largest share of households pay taxes in the $800 - $1,499 range.

Rent vs Own

74.5%

2020 Homeownership

72.9%

2019 Homeownership

In 2020, 74.5% of the housing units in Weld County, CO were occupied by their owner. This percentage grew from the previous year's rate of 72.9%.

This percentage of owner-occupation is higher than the national average of 64.4%. This chart shows the ownership percentage in Weld County, CO compared it's parent and neighboring geographies.

Commute Time

27.9 minutes

Average Travel Time

Using averages, employees in Weld County, CO have a longer commute time (27.9 minutes) than the normal US worker (26.9 minutes). Additionally, 2.33% of the workforce in Weld County, CO have "super commutes" in excess of 90 minutes.

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

Commuter Transportation

Most Common Commute in 2020

Drove Alone (78.4%)
Carpooled (10.4%)
Worked At Home (7.5%)

In 2020, 78.4% of workers in Weld County, CO drove alone to work, followed by those who carpooled to work (10.4%) and those who worked at home (7.5%).

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

Health

91.1% of the population of Weld County, CO has health coverage, with 51.1% on employee plans, 17.1% on Medicaid, 9.7% on Medicare, 11.7% on non-group plans, and 1.5% on military or VA plans.

Per capita personal health care spending in Colorado was $6,804 in 2014. This is a 5.13% increase from the previous year ($6,472).

Primary care physicians in Weld County, CO see 1766 patients per year on average, which represents a 13.6% decrease from the previous year (2045 patients). Compare this to dentists who see 2178 patients per year, and mental health providers who see 392 patients per year.

Comparing across all counties in the state, Costilla County has the highest prevalence of diabetes (17.9%). Additionally, Logan County has the highest prevalence of adult obesity (36%)

Patient to Clinician Ratios

1,766 to 1

Patient to Primary Care Physician Ratio in Weld County, CO

Primary care physicians in Weld County, CO see an average of 1,766 patients per year. This represents a 13.6% decrease from the previous year (2,045 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Weld County, CO 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 Colorado.

$6,804

Total Per Capita Spending on Personal Health Care in Colorado

$4,623

Per Enrollee Private Health Insurance Spending on Personal Health Care

$7,143

Per Enrollee Medicaid Spending on Personal Health Care

$9,287

Per Enrollee Medicare Spending on Personal Health Care

Between 2013 and 2014, all personal health care spending per capita in Colorado (including private, Medicare, and Medicaid) grew 5.13%, from $6,472 to $6,804.

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

Health Care Coverage

8.87%

Uninsured

51.1%

Employer Coverage

17.1%

Medicaid

9.7%

Medicare

11.7%

Non-Group

1.5%

Military or VA

Between 2019 and 2020, the percent of uninsured citizens in Weld County, CO grew by 12.2% from 7.9% to 8.87%.

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