Home Value
$57,500
80% lower than US avg
Violent Crime
248/100K
35% lower than US avg
Bachelor's+
22.1%
34% lower than US avg
Median Rent
$700
40% lower than US avg
Obesity Rate
43.3%
35% higher than US avg
Unemployment
5.0%
39% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How Caney Ridge Compares to the U.S. Average (100% = U.S. avg)
People
Population90
Median Age41.3 yrs
Density321/mi²
Male / Female44% / 56%
Largest GroupWhite 28%
Veterans77.0%
Economy
Per Capita$26,303
Unemployment5.0%
Poverty0.0%
County GDP$1,929M
Commute22 min
Housing
Home Value$57,500
Rent$700
Ownership62.8%
Zillow$222,615
Housing Units58
Rent Burden24.2%
Crime
F
Violent248/100K
Property4,151/100K
Health
Obesity43.3%
Uninsured10.6%
Smoking21.3%
Depression21.3%
Heart Disease8.1%
Climate
Avg Temp61°F (16°C)
AQI45 (Good)
Rain51.0 in/yr
Sunny Days301/yr
Elevation713 ft (217 m)
Education
C+
Bachelor's+22.1%
High School+75.3%
Graduate+7.6%
School Score5.07
Community
2024 VoteR 65% / D 33%
Commute22 min
Broadband43.0%
EV Stations1
Libraries2
Is Caney Ridge a Good Place to Live?
Based on current data, Caney Ridge receives an overall livability score of 1.9 out of 5.0, earning a grade of D. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include high obesity rates. Caney Ridge faces significant challenges across several quality-of-life categories.
Economy & Jobs
The unemployment rate of 5.0% is somewhat elevated compared to the national rate of 3.6%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Caney Ridge is $57,500, 80% below the national median / offering relatively affordable homeownership. Renters pay a median of $700 per month, below the national average / a plus for affordability.
Safety & Crime
Violent crime in Caney Ridge is below the national average at 248 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 4,151 per 100,000, 112% above the national average.
Education
22.1% of residents hold a bachelor's degree, below the national average of 33.7%. 75.3% have completed high school. Area schools have an average test score of 5.1/10.
Climate & Weather
Caney Ridge enjoys a moderate climate with an average annual temperature of 61°F. Winters average 39°F in January while summers reach 81°F in July. With 301 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.0 inches. Air quality is rated Good with a median AQI of 45.
Caney Ridge has a population of 90 with a density of 321 people per square mile, spread across 0.3 square miles. The median age is 41.3 years, 6% older than the national median of 38.9. The gender split is 55.6% female and 44.4% male. The city is predominantly Hispanic (72.2%), with 27.8% White. English is the primary language spoken at home by 100% of residents. 77.0% of the population are veterans, above the national rate of 6.0%. 21.1% of residents have a disability (above the 13.0% national average). 70.4% have health insurance coverage.
Population
41.3yrs
Median Age
6% above US avg
Race & Ethnicity
Caney Ridge vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Caney Ridge vs U.S. Average
Per capita income is $26,303 (below the $39,052 national figure). The average weekly wage is $945, 34% lower than the U.S. average. The unemployment rate is 5.0% (above the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 921 business establishments, including 99 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income: Caney Ridge vs U.S.
Income
| |
| Per Capita Income | $26,303 |
| Avg Weekly Wage | $945 |
| IRS Avg AGI | $55,962 |
| Gini Index | 0.472 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.0% |
| 39% above US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 921 |
| County GDP | $1,929M |
Business (County)
| Restaurants | 99 |
| Healthcare | 106 |
| Retail | 132 |
| Manufacturing | 19 |
Tax & Cost of Living
| Property Tax (IRS) | $2,513 |
| 28% below US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 4.37% |
Commute & Transportation
| Commute Time | 21.7 min |
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Caney Ridge is $57,500, 80% below the national median of $281,900. Zillow estimates the typical home value at $222,615, higher than the Census estimate. Monthly rent averages $700 (40% below the national average of $1,163). Fair market rent ranges from $791 for a one-bedroom to $995 for a two-bedroom apartment. 62.8% of housing units are owner-occupied. There are 58 total housing units in the city. The median year a home was built is 1979. The average annual property tax is $2,513 (lower than the $3,500 national average). 24.2% of renters spend 30% or more of their income on housing.
Home Values
| Census Median | $57,500 |
| 80% below US avg |
| Zillow ZHVI | $222,615 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $700 |
| 40% below US avg |
| Rent Burden | 24.2% |
HUD Fair Market Rent
| Studio | $744 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $995 |
| 3 Bedrooms | $1,297 |
| 4 Bedrooms | $1,501 |
Ownership & Property
| Homeownership | 62.8% |
| Owner-Occupied | 62.8% |
| Renter-Occupied | 37.2% |
| Housing Units | 58 |
| Median Year Built | 1979 |
Property Tax
| Avg Tax (IRS) | $2,513 |
| 28% below US avg |
| Effective Rate | 4.37% |
In Caney Ridge, 43.3% of adults are obese, above the national rate of 32.1%. 13.4% have diabetes (above the 10.5% national rate). Heart disease affects 8.1% of residents, above the national average. 40.7% have high blood pressure. 21.3% are current smokers (above the 14.0% national rate). 17.6% report binge drinking. 27.9% are physically inactive. 21.3% report depression. 18.1% experience frequent mental distress. 10.6% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,361. The dentist ratio is 1:1,718. 60.0% of residents have access to exercise opportunities. The food environment index is 5.8 out of 10.
Health Metrics: Caney Ridge vs U.S. Average (%)
Chronic Conditions
| Obesity | 43.3% |
| 35% above US avg |
| Diabetes | 13.4% |
| Heart Disease | 8.1% |
| High Blood Pressure | 40.7% |
| Asthma | 11.0% |
| COPD | 7.7% |
| Cancer | 6.8% |
| Stroke | 3.9% |
Behaviors & Mental Health
| Smoking | 21.3% |
| 52% above US avg |
| Binge Drinking | 17.6% |
| Physical Inactivity | 27.9% |
| Depression | 21.3% |
| Mental Distress | 18.1% |
| Physical Distress | 15.0% |
| Short Sleep | 43.0% |
Healthcare Access
| Insurance Rate | 70.4% |
| Uninsured | 10.6% |
| 23% above US avg |
| Primary Care | 1:1,361 |
| Dentists | 1:1,718 |
| Mental Health | 1:203 |
| Checkup Rate | 75.0% |
| Dental Visits | 53.3% |
| Premature Death | 12,008/100K |
Food & Exercise
| Food Environment | 5.8/10 |
| Exercise Access | 60.0% |
| Healthcare Facilities | 106 |
Caney Ridge has a violent crime rate of 248 per 100,000 residents, 35% below the national average of 380. Property crime stands at 4,151 per 100,000, 112% above the U.S. average. The county recorded 7 fatal traffic crashes. Overall, Caney Ridge receives a safety grade of F.
Crime Rates: Caney Ridge vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 248.5/100K |
| 35% below US avg |
| |
Property Crime
| Total Property | 4,151.3/100K |
| 112% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Caney Ridge enjoys a temperate climate with an average annual temperature of 61°F (16°C). Winters average 39°F in January while summers reach 81°F in July. The area gets 301 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 51.0 inches (wetter than the 38-inch national average). The area receives 4.3 inches of snow annually. Air quality is rated Good with a median AQI of 45. The city sits at an elevation of 713 feet.
Temperature
39°F Jan (4°C)
81°F Jul (27°C)
| Annual Average | 60.9°F |
| 13% above US avg |
| January Average | 39°F (4°C) |
| July Average | 81°F (27°C) |
| Sunny Days | 301 days/yr |
Geography
| Elevation | 713 ft (217 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 321/sq mi |
| Coordinates | 35.7639°N, 94.8828°W |
| Timezone | America/Chicago |
| County | Cherokee County County |
| Nearest Airport | Muskogee-Davis Regional (MKO) 28 miles away |
Precipitation & Snow
Annual Rainfall
51.0"
34% above US avg
Wettest Month (May)
5.59"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.9 / 100 |
| Social Vulnerability | 70.5 / 100 |
| Community Resilience | 19.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively High |
| Ice Storm |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
95 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.7. Most recent: M2.9 on Aug 14, 2024.
| Aug 24, 2021 |
1 km S of Quinton, Oklahoma |
M3.7 |
85 km |
| Aug 18, 2019 |
1 km ENE of Quinton, Oklahoma |
M3.7 |
83 km |
| Aug 22, 2021 |
3 km ESE of Quinton, Oklahoma |
M3.4 |
83 km |
| Jul 22, 2021 |
2 km E of Quinton, Oklahoma |
M3.3 |
83 km |
| May 16, 2019 |
3 km W of Horntown, Oklahoma |
M3.3 |
148 km |
| Feb 7, 2020 |
2 km SSW of Quinton, Oklahoma |
M3.2 |
87 km |
| Feb 7, 2020 |
3 km SSW of Quinton, Oklahoma |
M3.2 |
87 km |
| May 27, 2007 |
9 km SW of Hanna, Oklahoma |
M3.2 |
120 km |
| Aug 12, 2019 |
1 km NE of Quinton, Oklahoma |
M3.2 |
82 km |
| Jun 3, 2022 |
10 km W of Quinton, Oklahoma |
M3.2 |
90 km |
| May 14, 2022 |
6 km SSE of Yeager, Oklahoma |
M3.1 |
149 km |
| Mar 14, 2022 |
12 km E of Crowder, Oklahoma |
M3.1 |
94 km |
| Jan 7, 2018 |
7 km SW of Indianola, Oklahoma |
M3.1 |
113 km |
| Oct 1, 2010 |
7 km SE of Stuart, Oklahoma |
M3.1 |
145 km |
| Jan 26, 2014 |
4 km WNW of Lamar, Oklahoma |
M3.1 |
138 km |
| Apr 1, 2020 |
2 km NE of Quinton, Oklahoma |
M3.1 |
81 km |
| Aug 29, 2019 |
6 km SSE of Yeager, Oklahoma |
M3.0 |
149 km |
| Mar 15, 2006 |
4 km W of Horntown, Oklahoma |
M3.0 |
149 km |
| Apr 14, 2012 |
3 km W of Arpelar, Oklahoma |
M3.0 |
136 km |
| Jun 16, 2013 |
7 km N of Cromwell, Oklahoma |
M3.0 |
149 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
777 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 63 fatalities, 1,039 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 26, 1976 |
EF5 |
65 km |
2 |
| Apr 24, 1993 |
EF4 |
96 km |
7 |
| May 26, 1973 |
EF4 |
46 km |
5 |
| Apr 19, 1968 |
EF4 |
84 km |
14 |
| May 5, 1960 |
EF4 |
52 km |
5 |
| Jan 22, 1957 |
EF4 |
44 km |
10 |
| May 25, 2024 |
EF3 |
64 km |
0 |
| May 25, 2024 |
EF3 |
100 km |
2 |
| Mar 30, 2022 |
EF3 |
77 km |
0 |
| May 22, 2011 |
EF3 |
80 km |
0 |
| Dec 31, 2010 |
EF3 |
39 km |
4 |
| Mar 12, 2006 |
EF3 |
42 km |
0 |
| Mar 12, 2006 |
EF3 |
56 km |
0 |
| Jun 1, 1999 |
EF3 |
69 km |
0 |
| Jun 1, 1999 |
EF3 |
40 km |
2 |
| May 4, 1999 |
EF3 |
37 km |
0 |
| Apr 21, 1996 |
EF3 |
58 km |
2 |
| Apr 24, 1993 |
EF3 |
94 km |
0 |
| Nov 22, 1983 |
EF3 |
15 km |
0 |
| Dec 2, 1982 |
EF3 |
67 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (18,089 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
UNNAMED |
18,089 |
24 km |
| 2000 |
UNNAMED |
15,318 |
94 km |
| 2007 |
UNNAMED |
14,774 |
92 km |
| 2004 |
UNNAMED |
14,138 |
99 km |
| 1998 |
UNNAMED |
13,929 |
92 km |
| 2016 |
WEST CAVANAL FIRE |
13,100 |
79 km |
| 2004 |
UNNAMED |
12,086 |
28 km |
| 2016 |
UNNAMED |
11,929 |
92 km |
| 2017 |
MIDDLE RIDGE |
8,501 |
31 km |
| 2003 |
UNNAMED |
7,415 |
81 km |
| 2007 |
UNNAMED |
6,657 |
33 km |
| 2017 |
HILLTOP |
6,523 |
26 km |
| 2005 |
TEXANNA ROAD |
6,139 |
61 km |
| 2010 |
SPUD ROCK CENTRAL |
6,117 |
83 km |
| 2009 |
TELAMAY HOLLOW |
5,686 |
29 km |
| 2006 |
UNNAMED |
5,537 |
86 km |
| 2011 |
UNNAMED |
5,358 |
93 km |
| 2017 |
PERSIMMON RIDGE |
5,333 |
22 km |
| 2009 |
SAWMILL HOLLOW |
5,166 |
32 km |
| 2011 |
GRUBER |
4,831 |
27 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
39°F (4°C) |
2.1 in |
Coldest, Driest |
| February |
42°F (5°C) |
2.2 in |
|
| March |
51°F (11°C) |
4.1 in |
|
| April |
60°F (15°C) |
4.4 in |
|
| May |
67°F (20°C) |
5.6 in |
Wettest |
| June |
75°F (24°C) |
4.5 in |
|
| July |
81°F (27°C) |
3.0 in |
Warmest |
| August |
79°F (26°C) |
3.2 in |
|
| September |
72°F (22°C) |
5.0 in |
|
| October |
61°F (16°C) |
4.2 in |
|
| November |
50°F (10°C) |
4.1 in |
|
| December |
41°F (5°C) |
3.0 in |
|
Caney Ridge has a seasonal temperature swing of 42°F / from 39°F in January to 81°F in July. Total annual precipitation is 45.3 inches, with May being the wettest month (5.6") and January the driest (2.1").
Average costs for common services in Caney Ridge. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $878 |
| Toddler | $759 |
| Preschool | $759 |
| Family Childcare (monthly) |
| Infant | $637 |
| Toddler | $586 |
| Preschool | $586 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Caney Ridge
What is the population of Caney Ridge?
Caney Ridge has a population of 90 residents and is located in Oklahoma. The population density is 321 people per square mile, spread across 0.3 square miles. The median age of residents is 41.3 years, which is older than the national median of 38.9 years. The population is 55.6% female and 44.4% male.
Is Caney Ridge expensive to live in?
Caney Ridge is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median home value is $57,500 (80% below the U.S. median). Renters pay a median of $700 per month, below the national average of $1,163.
Is Caney Ridge safe?
Caney Ridge is safer than the national average, with a violent crime rate of 248 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 4,151 per 100,000 (above the national average). Overall, Caney Ridge receives a safety grade of F based on combined crime data.
What is the weather like in Caney Ridge?
Caney Ridge enjoys a temperate climate with an average annual temperature of 61°F (16°C). Winter temperatures average 39°F in January, while summers reach an average of 81°F in July. The area receives 301 sunny days per year, well above the national average of 205. Annual rainfall totals 51.0 inches, with 4.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Caney Ridge?
The unemployment rate in Caney Ridge is 5.0%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $945. There are 921 business establishments in the area, including 99 restaurants and food service locations. The average commute time is 22 minutes, and 0.0% of workers work from home.
How much does housing cost in Caney Ridge?
The median home value in Caney Ridge is $57,500. Zillow estimates the typical home value at $222,615. For renters, the median monthly rent is $700. Fair market rent is $791 for a 1-bedroom and $995 for a 2-bedroom apartment. The homeownership rate is 62.8%. The average annual property tax is $2,513.
How are the schools in Caney Ridge?
Schools in Caney Ridge score 5.1 out of 10 on standardized testing, near the national average. 22.1% of adults in Caney Ridge hold a bachelor's degree or higher, below the national average of 33.7%. 75.3% have completed high school. 7.6% hold a graduate or professional degree.
How healthy is Caney Ridge?
The obesity rate in Caney Ridge is 43.3% (above the national rate of 32.1%). 21.3% of adults are smokers. 27.9% are physically inactive. 21.3% of residents report depression. 10.6% lack health insurance (above the national rate). 60.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,361.
What is transportation like in Caney Ridge?
The average commute in Caney Ridge is 22 minutes, shorter than the national average of 28 minutes. 100% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Caney Ridge?
The racial and ethnic makeup of Caney Ridge is 27.8% White, 72.2% Hispanic or Latino. 100% of residents speak only English at home. 77.0% of the population are military veterans. 21.1% of residents have a disability. 70.4% have health insurance coverage.