Median Income
$120,917
61% higher than US avg
Home Value
$564,700
100% higher than US avg
Violent Crime
329/100K
14% lower than US avg
Bachelor's+
59.4%
76% higher than US avg
Median Rent
$2,083
79% higher than US avg
Obesity Rate
32.7%
2% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Crescent Beach Compares to the U.S. Average (100% = U.S. avg)
People
Population903
Median Age61.8 yrs
Density627/mi²
Male / Female51% / 49%
Largest GroupWhite 93%
Veterans7.9%
Economy
A+
Median Income$120,917
Per Capita$100,166
Unemployment0.0%
Poverty0.0%
County GDP$18,621M
Commute28 min
Housing
A
Home Value$564,700
Rent$2,083
Ownership91.5%
Zillow$337,170
Housing Units2,066
Rent Burden32.1%
Crime
F
Violent329/100K
Property1,957/100K
Health
Obesity32.7%
Uninsured11.0%
Smoking14.3%
Depression22.0%
Heart Disease6.2%
Climate
Avg Temp71°F (22°C)
AQI41 (Good)
Rain51.4 in/yr
Sunny Days314/yr
Elevation2 ft (1 m)
Education
A+
Bachelor's+59.4%
High School+97.7%
Graduate+29.8%
School Score7.13
Community
2024 VoteR 65% / D 34%
Commute28 min
Broadband94.1%
EV Stations1
Libraries7
Is Crescent Beach a Good Place to Live?
Based on current data, Crescent Beach receives an overall livability score of 3.8 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, a highly educated population, abundant sunshine. Areas to be aware of include high housing costs. Crescent Beach offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Crescent Beach is $120,917, which is significantly higher than the national average / 61% above $75,149. This places Crescent Beach among higher-income communities. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Crescent Beach is $564,700, making it a premium housing market at 100% above the U.S. median of $281,900. Renters pay a median of $2,083 per month, significantly above the national average of $1,163. A price-to-income ratio of 4.7x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Crescent Beach is below the national average at 329 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,957 per 100,000, near the national average.
Education
Crescent Beach is a highly educated community / 59.4% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 97.7% have completed high school. Local schools score 7.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Crescent Beach has a warm climate with an average annual temperature of 71°F. Winters average 57°F in January while summers reach 82°F in July. With 314 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.4 inches. Air quality is rated Good with a median AQI of 41.
Crescent Beach has a population of 903 with a density of 627 people per square mile, spread across 1.5 square miles. The median age is 61.8 years, 59% older than the national median of 38.9. The gender split is 48.8% female and 51.2% male. The city is predominantly White (92.6%), with 1.3% Hispanic. English is the primary language spoken at home by 99.4% of residents. 7.9% of the population are veterans, above the national rate of 6.0%. 16.7% of residents have a disability (above the 13.0% national average). 89.6% have health insurance coverage.
Population
61.8yrs
Median Age
59% above US avg
Race & Ethnicity
Crescent Beach vs U.S. Average
Language Spoken at Home
English Only
99.4%
27% above US avg
Spanish
0.6%
96% below US avg
Social Characteristics
Crescent Beach vs U.S. Average
The median household income in Crescent Beach is $120,917, which is 61% above the national average of $75,149. Per capita income is $100,166 (above the $39,052 national figure). The average weekly wage is $1,154, 19% lower than the U.S. average. The unemployment rate is 0.0% (below 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 11,005 business establishments, including 771 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 28 minutes. 38.7% of workers work from home (above the 15.2% national rate).
Income: Crescent Beach vs U.S.
Income
| Median HH Income | $120,917 |
| 61% above US avg |
| Per Capita Income | $100,166 |
| Avg Weekly Wage | $1,154 |
| IRS Avg AGI | $147,374 |
| Gini Index | 0.458 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 11,005 |
| County GDP | $18,621M |
Business (County)
| Restaurants | 771 |
| Healthcare | 881 |
| Retail | 942 |
| Manufacturing | 123 |
Tax & Cost of Living
| Property Tax (IRS) | $8,649 |
| 147% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 1.53% |
Commute & Transportation
| Commute Time | 28.0 min |
| Drive Alone | 51.7% |
| Public Transit | 0.0% |
| Work from Home | 38.7% |
The median home value in Crescent Beach is $564,700, 100% above the national median of $281,900. Zillow estimates the typical home value at $337,170, lower than the Census estimate. Homes sell for 95.1% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $2,083 (79% above the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 91.5% of housing units are owner-occupied (above the 65.4% national rate). There are 2,066 total housing units in the city. The median year a home was built is 1981. The average annual property tax is $8,649 (higher than the $3,500 national average). 32.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 4.7x.
Home Values
| Census Median | $564,700 |
| 100% above US avg |
| Zillow ZHVI | $337,170 |
| Median List Price | $479,000 |
Real Estate Market (Redfin)
| Median List Price | $479,000 |
| $/Sq Ft | $571 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 95.1% |
| Price Drops | 25.0% |
| Inventory | 44 |
Rental Costs
| Census Median Rent | $2,083 |
| 79% above US avg |
| Rent Burden | 32.1% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 91.5% |
| Owner-Occupied | 91.5% |
| Renter-Occupied | 8.5% |
| Housing Units | 2,066 |
| Median Year Built | 1981 |
Property Tax
| Avg Tax (IRS) | $8,649 |
| 147% above US avg |
| Effective Rate | 1.53% |
In Crescent Beach, 32.7% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 6.2% of residents. 31.6% have high blood pressure. 14.3% are current smokers. 17.6% report binge drinking. 21.3% are physically inactive. 22.0% report depression. 19.0% experience frequent mental distress. 11.0% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,052. The dentist ratio is 1:2,019. 91.3% of residents have access to exercise opportunities. The food environment index is 8.8 out of 10.
Health Metrics: Crescent Beach vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.7% |
| 2% above US avg |
| Diabetes | 9.8% |
| Heart Disease | 6.2% |
| High Blood Pressure | 31.6% |
| Asthma | 10.5% |
| COPD | 7.3% |
| Cancer | 8.3% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 14.3% |
| 2% above US avg |
| Binge Drinking | 17.6% |
| Physical Inactivity | 21.3% |
| Depression | 22.0% |
| Mental Distress | 19.0% |
| Physical Distress | 14.0% |
| Short Sleep | 34.7% |
Healthcare Access
| Insurance Rate | 89.6% |
| Uninsured | 11.0% |
| 28% above US avg |
| Primary Care | 1:1,052 |
| Dentists | 1:2,019 |
| Mental Health | 1:681 |
| Checkup Rate | 77.1% |
| Dental Visits | 55.6% |
| Premature Death | 5,815/100K |
Food & Exercise
| Food Environment | 8.8/10 |
| Exercise Access | 91.3% |
| Healthcare Facilities | 881 |
Crescent Beach has a violent crime rate of 329 per 100,000 residents, 14% below the national average of 380. Property crime stands at 1,957 per 100,000, 0% below the U.S. average. The county recorded 33 fatal traffic crashes. Overall, Crescent Beach receives a safety grade of F.
Crime Rates: Crescent Beach vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 328.7/100K |
| 14% below US avg |
| |
Property Crime
| Total Property | 1,957.3/100K |
| 0% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 33 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Crescent Beach has a warm climate with an average annual temperature of 71°F (22°C). Winters average 57°F in January while summers reach 82°F in July. The area gets 314 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 51.4 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 2 feet, near sea level.
Temperature
57°F Jan (14°C)
82°F Jul (28°C)
| Annual Average | 71.4°F |
| 32% above US avg |
| January Average | 57°F (14°C) |
| July Average | 82°F (28°C) |
| Sunny Days | 314 days/yr |
Geography
| Elevation | 2 ft (1 m) |
| Area | 1.5 sq mi (3.8 km²) |
| Population Density | 627/sq mi |
| Coordinates | 29.7303°N, 81.2417°W |
| Timezone | America/New_York |
| County | St. Johns County County |
| Nearest Airport | Northeast Florida Regional (UST) 17 miles away |
Precipitation & Snow
Annual Rainfall
51.4"
35% above US avg
Wettest Month (Aug)
6.46"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 87.5 / 100 |
| Social Vulnerability | 11.4 / 100 |
| Community Resilience | 96.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Relatively High |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
No Rating |
| Lightning |
Relatively High |
| Drought |
Relatively Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
| Coastal Flood |
Relatively High |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
25 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 4. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
238 km |
| 2024 |
Milton |
Category 3 |
150 km |
| 2024 |
Debby |
Category 1 |
209 km |
| 2023 |
Idalia |
Category 4 |
198 km |
| 2022 |
Ian |
Category 3 |
144 km |
| 2022 |
Nicole |
Category 1 |
254 km |
| 2020 |
Isaias |
Category 1 |
220 km |
| 2019 |
Dorian |
Category 3 |
149 km |
| 2017 |
Irma |
Category 1 |
194 km |
| 2016 |
Matthew |
Category 4 |
52 km |
| 2016 |
Hermine |
Category 1 |
273 km |
| 2014 |
Arthur |
Category 1 |
201 km |
| 2005 |
Ophelia |
Category 1 |
227 km |
| 2004 |
Jeanne |
Category 3 |
206 km |
| 2004 |
Frances |
Category 2 |
237 km |
| 2004 |
Charley |
Category 1 |
59 km |
| 1999 |
Floyd |
Category 3 |
208 km |
| 1999 |
Dennis |
Category 2 |
272 km |
| 1999 |
Irene |
Category 1 |
139 km |
| 1996 |
Bertha |
Category 2 |
294 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
384 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 17 fatalities, 181 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 2, 2007 |
EF3 |
92 km |
13 |
| Nov 1, 1997 |
EF3 |
85 km |
0 |
| Feb 7, 1971 |
EF3 |
35 km |
0 |
| Apr 15, 1958 |
EF3 |
17 km |
0 |
| Oct 12, 2023 |
EF2 |
18 km |
0 |
| Aug 18, 2020 |
EF2 |
78 km |
0 |
| Sep 10, 2017 |
EF2 |
2 km |
0 |
| Dec 25, 2006 |
EF2 |
78 km |
0 |
| Dec 25, 2006 |
EF2 |
64 km |
0 |
| Aug 12, 2004 |
EF2 |
98 km |
0 |
| Mar 29, 2001 |
EF2 |
51 km |
0 |
| Feb 22, 1998 |
EF2 |
64 km |
1 |
| Oct 7, 1996 |
EF2 |
92 km |
0 |
| Feb 2, 1996 |
EF2 |
80 km |
0 |
| Apr 24, 1995 |
EF2 |
48 km |
0 |
| Feb 27, 1984 |
EF2 |
75 km |
0 |
| Nov 20, 1983 |
EF2 |
31 km |
0 |
| Nov 20, 1983 |
EF2 |
53 km |
0 |
| Sep 3, 1979 |
EF2 |
63 km |
0 |
| Sep 3, 1979 |
EF2 |
71 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (121,213 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
UNNAMED |
121,213 |
60 km |
| 1998 |
UNNAMED |
24,956 |
16 km |
| 1985 |
UNNAMED |
19,129 |
58 km |
| 2007 |
UNNAMED |
13,806 |
86 km |
| 2006 |
JUNIPER |
11,998 |
71 km |
| 1998 |
UNNAMED |
9,972 |
89 km |
| 1985 |
UNNAMED |
9,807 |
24 km |
| 1998 |
UNNAMED |
9,705 |
67 km |
| 1985 |
UNNAMED |
9,554 |
34 km |
| 1985 |
UNNAMED |
8,382 |
86 km |
| 2009 |
JUNIPER SPRINGS |
8,363 |
71 km |
| 1998 |
UNNAMED |
7,345 |
9 km |
| 1998 |
UNNAMED |
7,078 |
95 km |
| 2011 |
SANTE FE |
6,497 |
83 km |
| 2007 |
UNNAMED |
6,345 |
48 km |
| 2011 |
ESPANOLA FIRE |
5,468 |
27 km |
| 2012 |
UNNAMED |
5,431 |
87 km |
| 1991 |
UNNAMED |
4,948 |
32 km |
| 1998 |
UNNAMED |
4,907 |
88 km |
| 2010 |
UNNAMED |
4,864 |
71 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
57°F (14°C) |
3.0 in |
Coldest |
| February |
58°F (14°C) |
3.5 in |
|
| March |
63°F (17°C) |
3.7 in |
|
| April |
68°F (20°C) |
2.4 in |
Driest |
| May |
74°F (23°C) |
3.4 in |
|
| June |
79°F (26°C) |
5.9 in |
|
| July |
82°F (28°C) |
5.9 in |
Warmest |
| August |
81°F (27°C) |
6.5 in |
Wettest |
| September |
79°F (26°C) |
6.4 in |
|
| October |
72°F (22°C) |
3.5 in |
|
| November |
65°F (18°C) |
2.4 in |
|
| December |
59°F (15°C) |
2.8 in |
|
Crescent Beach has a seasonal temperature swing of 25°F / from 57°F in January to 82°F in July. Total annual precipitation is 49.4 inches, with August being the wettest month (6.5") and April the driest (2.4").
Average costs for common services in Crescent Beach. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,212 |
| Toddler | $1,061 |
| Preschool | $1,018 |
| Family Childcare (monthly) |
| Infant | $650 |
| Toddler | $541 |
| Preschool | $541 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Crescent Beach
What is the population of Crescent Beach?
Crescent Beach has a population of 903 residents and is located in Florida. The population density is 627 people per square mile, spread across 1.5 square miles. The median age of residents is 61.8 years, which is older than the national median of 38.9 years. The population is 48.8% female and 51.2% male.
Is Crescent Beach expensive to live in?
Crescent Beach has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $120,917, 61% above the national average of $75,149. The median home value is $564,700 (100% above the U.S. median). Renters pay a median of $2,083 per month, above the national average of $1,163. The home price-to-income ratio is 4.7x, indicating housing is reasonably affordable relative to local income levels.
Is Crescent Beach safe?
Crescent Beach is safer than the national average, with a violent crime rate of 329 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,957 per 100,000 (below the national average). Overall, Crescent Beach receives a safety grade of F based on combined crime data.
What is the weather like in Crescent Beach?
Crescent Beach has a warm climate with an average annual temperature of 71°F (22°C). Winter temperatures average 57°F in January, while summers reach an average of 82°F in July. The area receives 314 sunny days per year, well above the national average of 205. Annual rainfall totals 51.4 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Crescent Beach?
The job market in Crescent Beach is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,154. There are 11,005 business establishments in the area, including 771 restaurants and food service locations. The average commute time is 28 minutes, and 38.7% of workers work from home.
How much does housing cost in Crescent Beach?
The median home value in Crescent Beach is $564,700. Zillow estimates the typical home value at $337,170. For renters, the median monthly rent is $2,083. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 91.5%. The average annual property tax is $8,649.
How are the schools in Crescent Beach?
Schools in Crescent Beach perform well, with an average test score of 7.1 out of 10 / above the national benchmark. 59.4% of adults in Crescent Beach hold a bachelor's degree or higher, above the national average of 33.7%. 97.7% have completed high school. 29.8% hold a graduate or professional degree.
How healthy is Crescent Beach?
The obesity rate in Crescent Beach is 32.7% (above the national rate of 32.1%). 14.3% of adults are smokers. 21.3% are physically inactive. 22.0% of residents report depression. 11.0% lack health insurance (above the national rate). 91.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,052.
What is transportation like in Crescent Beach?
The average commute in Crescent Beach is 28 minutes. 51.7% of workers drive alone to work, and 38.7% work from home.
What are the demographics of Crescent Beach?
The racial and ethnic makeup of Crescent Beach is 92.6% White, 1.3% Hispanic or Latino. 99.4% of residents speak only English at home. 7.9% of the population are military veterans. 16.7% of residents have a disability. 89.6% have health insurance coverage.