Median Income
$81,667
9% higher than US avg
Home Value
$231,100
18% lower than US avg
Violent Crime
225/100K
41% lower than US avg
Bachelor's+
25.5%
24% lower than US avg
Median Rent
$897
23% lower than US avg
Obesity Rate
29.0%
10% lower than US avg
Unemployment
1.0%
72% lower than US avg
Poverty Rate
3.2%
74% lower than US avg
How Eagar Compares to the U.S. Average (100% = U.S. avg)
People
Population4,410
Median Age43.7 yrs
Density359/mi²
Male / Female51% / 49%
Largest GroupWhite 83%
Veterans7.9%
Economy
A+
Median Income$81,667
Per Capita$33,392
Unemployment1.0%
Poverty3.2%
County GDP$144M
Commute17 min
Housing
A+
Home Value$231,100
Rent$897
Ownership86.5%
Zillow$294,877
Housing Units2,132
Rent Burden26.2%
Crime
F
Violent225/100K
Property429/100K
Murder0.0/100K
Assault143/100K
Burglary143/100K
Health
Obesity29.0%
Uninsured12.1%
Smoking12.2%
Depression20.1%
Heart Disease5.4%
Climate
Avg Temp50°F (10°C)
AQI45 (Good)
Rain11.4 in/yr
Sunny Days330/yr
Elevation7,210 ft (2,198 m)
Education
B
Bachelor's+25.5%
High School+96.4%
Graduate+9.2%
School Score4.62
Community
2024 VoteR 74% / D 24%
Commute17 min
Broadband93.1%
Libraries2
Is Eagar a Good Place to Live?
Based on current data, Eagar receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include a high uninsured rate. Eagar offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Eagar is $81,667, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.0%. Only 3.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 17 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Eagar is $231,100, 18% below the national median / offering relatively affordable homeownership. Renters pay a median of $897 per month, below the national average / a plus for affordability. At just 2.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Eagar is below the national average at 225 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 429 per 100,000, 78% below the national average.
Education
25.5% of residents hold a bachelor's degree, below the national average of 33.7%. 96.4% have completed high school. Area schools have an average test score of 4.6/10.
Climate & Weather
Eagar experiences four distinct seasons with an average temperature of 50°F. Winters average 33°F in January while summers reach 69°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 11.4 inches. Air quality is rated Good with a median AQI of 45.
Eagar has a population of 4,410 with a density of 359 people per square mile, spread across 11.2 square miles. The median age is 43.7 years, 12% older than the national median of 38.9. The gender split is 49.2% female and 50.8% male. The city is predominantly White (82.9%), with 7.6% Hispanic, 3% Asian. English is the primary language spoken at home by 91.2% of residents, while 8.8% speak Spanish. 7.9% of the population are veterans, above the national rate of 6.0%. 19.6% of residents have a disability (above the 13.0% national average). 89.3% have health insurance coverage.
Population
43.7yrs
Median Age
12% above US avg
Language Spoken at Home
English Only
91.2%
16% above US avg
Spanish
8.8%
34% below US avg
The median household income in Eagar is $81,667, which is 9% above the national average of $75,149. Per capita income is $33,392 (below the $39,052 national figure). The average weekly wage is $801, 44% lower than the U.S. average. The unemployment rate is 1.0% (below the 3.6% US average). 3.2% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 133 business establishments, including 6 restaurants. The cost of living index is 100.7, roughly in line with the national average. Workers commute an average of 17 minutes (shorter than the 28-minute US average). 1.4% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $81,667 |
| 9% above US avg |
| Per Capita Income | $33,392 |
| Avg Weekly Wage | $801 |
| IRS Avg AGI | $47,723 |
| Gini Index | 0.409 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.0% |
| 72% below US avg |
| Poverty Rate | 3.2% |
| 74% below US avg |
| Establishments (County) | 133 |
| County GDP | $144M |
Business (County)
| Restaurants | 6 |
| Healthcare | 6 |
| Retail | 16 |
| Manufacturing | 4 |
Tax & Cost of Living
| Property Tax (IRS) | $900 |
| 74% below US avg |
| Cost of Living | 100.70 (100=avg) |
| Effective Tax Rate | 0.39% |
Commute & Transportation
| Commute Time | 17.1 min |
| Drive Alone | 89.8% |
| Public Transit | 0.0% |
| Work from Home | 1.4% |
The median home value in Eagar is $231,100, 18% below the national median of $281,900. Zillow estimates the typical home value at $294,877, higher than the Census estimate. Monthly rent averages $897 (23% below the national average of $1,163). Fair market rent ranges from $1,151 for a one-bedroom to $1,419 for a two-bedroom apartment. 86.5% of housing units are owner-occupied (above the 65.4% national rate). There are 2,132 total housing units in the city. The median year a home was built is 1984. The average annual property tax is $900 (lower than the $3,500 national average). 26.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $231,100 |
| 18% below US avg |
| Zillow ZHVI | $294,877 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $897 |
| 23% below US avg |
| Rent Burden | 26.2% |
HUD Fair Market Rent
| Studio | $1,053 |
| 1 Bedroom | $1,151 |
| 2 Bedrooms | $1,419 |
| 3 Bedrooms | $1,889 |
| 4 Bedrooms | $2,158 |
Ownership & Property
| Homeownership | 86.5% |
| Owner-Occupied | 86.5% |
| Renter-Occupied | 13.5% |
| Housing Units | 2,132 |
| Median Year Built | 1984 |
Property Tax
| Avg Tax (IRS) | $900 |
| 74% below US avg |
| Effective Rate | 0.39% |
In Eagar, 29.0% of adults are obese, below the national rate of 32.1%. 9.1% have diabetes. Heart disease affects 5.4% of residents. 26.1% have high blood pressure. 12.2% are current smokers. 15.5% report binge drinking. 19.5% are physically inactive, below the national average. 20.1% report depression. 17.6% experience frequent mental distress. 12.1% of residents lack health insurance (above the 8.6% national rate). The dentist ratio is 1:3,827. 63.3% of residents have access to exercise opportunities. The food environment index is 2.3 out of 10.
Health Metrics: Eagar vs U.S. Average (%)
Chronic Conditions
| Obesity | 29.0% |
| 10% below US avg |
| Diabetes | 9.1% |
| Heart Disease | 5.4% |
| High Blood Pressure | 26.1% |
| Asthma | 11.0% |
| COPD | 6.6% |
| Cancer | 7.3% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 12.2% |
| 13% below US avg |
| Binge Drinking | 15.5% |
| Physical Inactivity | 19.5% |
| Depression | 20.1% |
| Mental Distress | 17.6% |
| Physical Distress | 13.2% |
| Short Sleep | 34.6% |
Healthcare Access
| Insurance Rate | 89.3% |
| Uninsured | 12.1% |
| 41% above US avg |
| Dentists | 1:3,827 |
| Mental Health | 1:1,275 |
| Checkup Rate | 69.3% |
| Dental Visits | 59.8% |
| Premature Death | 11,457/100K |
Food & Exercise
| Food Environment | 2.3/10 |
| Exercise Access | 63.3% |
| Healthcare Facilities | 6 |
Eagar has a violent crime rate of 225 per 100,000 residents, 41% below the national average of 380. This breaks down to aggravated assault at 142.9 per 100,000, robbery at 20.4, rape at 61.3. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 429 per 100,000, 78% below the U.S. average. This includes larceny/theft at 265, burglary at 143, vehicle theft at 20 per 100,000 residents. The county recorded 4 fatal traffic crashes. Overall, Eagar receives a safety grade of F.
Crime Rates: Eagar vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 224.6/100K |
| 41% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 61.3/100K |
| Robbery | 20.4/100K |
| Assault | 142.9/100K |
Property Crime
| Total Property | 428.8/100K |
| 78% below US avg |
| Burglary | 142.9/100K |
| Theft | 265.5/100K |
| Vehicle Theft | 20.4/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Traffic Accidents | 20 |
| Avg Accident Severity | 2.2 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Eagar experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 33°F in January while summers reach 69°F in July. The area gets 330 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 11.4 inches (drier than the 38-inch national average). Air quality is rated Good with a median AQI of 45. The city sits at an elevation of 7,210 feet, a high-altitude location.
Temperature
33°F Jan (1°C)
69°F Jul (20°C)
| Annual Average | 50.2°F |
| 7% below US avg |
| January Average | 33°F (1°C) |
| July Average | 69°F (20°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 7,210 ft (2,198 m) |
| Area | 11.2 sq mi (29.1 km²) |
| Population Density | 359/sq mi |
| Coordinates | 34.1068°N, 109.3012°W |
| Timezone | America/Phoenix |
| County | Catron County County |
| Nearest Airport | Show Low Regional (SOW) 42 miles away |
Precipitation & Snow
Annual Rainfall
11.4"
70% below US avg
Wettest Month (Aug)
3.39"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 36.6 / 100 |
| Social Vulnerability | 89.1 / 100 |
| Community Resilience | 1.3 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
No Rating |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively High |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Relatively Moderate |
| Volcano |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
20 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.6 on May 9, 2025.
| Jan 6, 1998 |
15 km WSW of Joseph City, Arizona |
M3.9 |
142 km |
| Oct 8, 2012 |
32 km WNW of Glenwood, New Mexico |
M3.6 |
80 km |
| May 24, 2010 |
24 km NNE of Morenci, Arizona |
M3.6 |
93 km |
| May 24, 2010 |
27 km NNE of Morenci, Arizona |
M3.6 |
90 km |
| Oct 29, 2012 |
35 km WNW of Glenwood, New Mexico |
M3.5 |
78 km |
| Sep 23, 2009 |
29 km W of Alamo, New Mexico |
M3.4 |
141 km |
| Feb 16, 2013 |
34 km WNW of Glenwood, New Mexico |
M3.3 |
77 km |
| Mar 18, 2025 |
13 km NNE of Clay Springs, Arizona |
M3.2 |
97 km |
| Sep 23, 2019 |
22 km NNW of Saint Johns, Arizona |
M3.1 |
68 km |
| Jun 18, 2022 |
4 km SW of Clay Springs, Arizona |
M3.0 |
98 km |
| May 25, 2010 |
25 km NNE of Clifton, Arizona |
M3.0 |
94 km |
| Mar 12, 2004 |
24 km NW of Morenci, Arizona |
M2.8 |
101 km |
| Feb 27, 2021 |
9 km SE of York, Arizona |
M2.8 |
144 km |
| Sep 23, 2013 |
7 km WSW of Pinedale, Arizona |
M2.8 |
96 km |
| May 14, 2011 |
27 km W of Alamo, New Mexico |
M2.7 |
142 km |
| Sep 7, 2014 |
4 km WSW of Sun Valley, Arizona |
M2.6 |
121 km |
| May 20, 2024 |
11 km WNW of Ramah, New Mexico |
M2.6 |
132 km |
| May 9, 2025 |
46 km SE of Aragon, New Mexico |
M2.6 |
119 km |
| May 8, 2025 |
44 km SSW of San Rafael, New Mexico |
M2.6 |
136 km |
| Oct 14, 2012 |
Arizona |
M2.5 |
76 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
10 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF0.
| Date |
Rating |
Distance |
Fatalities |
| Jul 26, 2024 |
EF0 |
91 km |
0 |
| Jul 24, 2011 |
EF0 |
85 km |
0 |
| Sep 3, 2008 |
EF0 |
30 km |
0 |
| Aug 30, 2006 |
EF0 |
33 km |
0 |
| Jul 16, 2005 |
EF0 |
49 km |
0 |
| Jul 16, 2005 |
EF0 |
44 km |
0 |
| Jun 23, 2005 |
EF0 |
95 km |
0 |
| Sep 16, 2001 |
EF0 |
84 km |
0 |
| Sep 16, 2001 |
EF0 |
84 km |
0 |
| Aug 14, 1979 |
EF0 |
35 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Nearby Volcanoes
2 volcanoes within 200 km.
Closest: Red Hill (46 km).
| Name |
Type |
Elevation |
Last Eruption |
Distance |
| Red Hill |
Volcanic field |
2,300 m (7,546 ft) |
-9450 |
46 km |
| Zuni-Bandera |
Volcanic field |
2,550 m (8,366 ft) |
-1170 |
142 km |
Source: Smithsonian Institution Global Volcanism Program (GVP). Sorted by distance.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: WALLOW (563,664 ac, 2011).
| Year |
Name |
Acres |
Distance |
| 2011 |
WALLOW |
563,664 |
35 km |
| 2018 |
BUZZARD |
50,934 |
86 km |
| 2016 |
CEDAR |
44,163 |
79 km |
| 2020 |
COW CANYON |
33,536 |
65 km |
| 2018 |
RATTLESNAKE |
27,383 |
55 km |
| 2003 |
KINISHBA |
26,205 |
71 km |
| 2021 |
BEAR |
24,459 |
70 km |
| 2020 |
BRINGHAM |
23,134 |
74 km |
| 1996 |
UNNAMED |
19,686 |
59 km |
| 1995 |
RHETT |
19,337 |
66 km |
| 2004 |
KP |
16,328 |
60 km |
| 2013 |
CREEK |
16,120 |
93 km |
| 2005 |
FORK WFU |
15,919 |
88 km |
| 2013 |
PINE SALT |
13,696 |
94 km |
| 2017 |
DOVE |
13,390 |
95 km |
| 2013 |
FOURMILE |
12,960 |
94 km |
| 2021 |
HORTON |
12,525 |
47 km |
| 2008 |
EAGLE |
12,059 |
66 km |
| 1993 |
RX BURN |
11,997 |
61 km |
| 2005 |
JOHNSON WFU |
11,842 |
45 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
33°F (1°C) |
0.8 in |
|
| February |
34°F (1°C) |
0.8 in |
|
| March |
39°F (4°C) |
0.9 in |
|
| April |
44°F (7°C) |
0.4 in |
Driest |
| May |
52°F (11°C) |
0.5 in |
|
| June |
61°F (16°C) |
0.6 in |
|
| July |
69°F (20°C) |
3.0 in |
Warmest |
| August |
63°F (17°C) |
3.4 in |
Wettest |
| September |
58°F (14°C) |
1.9 in |
|
| October |
48°F (9°C) |
1.4 in |
|
| November |
38°F (4°C) |
0.9 in |
|
| December |
32°F (0°C) |
1.0 in |
Coldest |
Eagar has a seasonal temperature swing of 37°F / from 32°F in December to 69°F in July. Total annual precipitation is 15.6 inches, with August being the wettest month (3.4") and April the driest (0.4").
Average costs for common services in Eagar. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$252 ($151–$403) |
| Specialist Visit |
$352 ($201–$554) |
| Urgent Care Visit |
$201 ($101–$352) |
| Emergency Room Visit |
$2,215 ($806–$5,035) |
| Dental Cleaning |
$131 ($76–$201) |
| Dental Filling |
$252 ($151–$403) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$76) |
| Oil Change (Synthetic) |
$76 ($50–$121) |
| Brake Pad Replacement |
$302 ($151–$504) |
| Tire Rotation |
$40 ($20–$76) |
| New Tires (Set of 4) |
$604 ($403–$1,007) |
| Battery Replacement |
$201 ($101–$352) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$101 ($60–$151) |
| Electrician (Per Hour) |
$91 ($50–$141) |
| HVAC Repair |
$403 ($151–$806) |
| HVAC System Install |
$7,049 ($4,028–$12,084) |
| Roof Repair |
$1,007 ($403–$2,014) |
| Roof Replacement |
$9,063 ($5,539–$15,105) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,511 ($504–$3,525) |
| Divorce (Contested) |
$15,105 ($5,035–$30,210) |
| DUI Defense |
$5,035 ($2,014–$10,070) |
| Bankruptcy (Chapter 7) |
$1,511 ($806–$3,021) |
| Will Preparation |
$504 ($201–$1,007) |
| Trust Preparation |
$2,518 ($1,007–$5,035) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$101) |
| Hair Coloring (Full) |
$151 ($76–$252) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$81 ($50–$131) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.13 ($3.02–$5.54) |
| Dozen Eggs (per dozen) |
$3.52 ($2.52–$5.04) |
| Loaf of Bread |
$3.83 ($2.52–$5.54) |
| Chicken Breast (per lb) |
$4.53 ($3.02–$6.55) |
| Ground Beef (per lb) |
$5.54 ($4.03–$7.55) |
| Rice (per lb) |
$1.01 ($0.60–$1.81) |
View all 20 services
Utilities
| Electricity (Monthly) |
$141 ($81–$252) |
| Natural Gas (Monthly) |
$70 ($30–$151) |
| Water/Sewer (Monthly) |
$70 ($40–$121) |
| Internet (Monthly) |
$70 ($40–$101) |
| Cell Phone Plan (Monthly) |
$65 ($30–$101) |
| Cable TV (Monthly) |
$86 ($50–$151) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$201 ($76–$504) |
| Car Insurance (Annual) |
$2,014 ($1,208–$3,525) |
| Bus Pass (Monthly) |
$70 ($30–$131) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.06–$25) |
| Car Registration (Annual) |
$101 ($30–$252) |
| Driver's License Renewal |
$30 ($15–$76) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,208 ($604–$2,518) |
| Daycare (Toddler, Monthly) |
$1,007 ($504–$2,014) |
| After-School Care (Monthly) |
$403 ($201–$705) |
| Tutoring (Per Hour) |
$50 ($25–$101) |
| SAT/ACT Prep Course |
$1,007 ($403–$2,518) |
| Private School (K-12, Annual) |
$12,588 ($5,035–$30,210) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$101) |
| Dog Vaccination (Annual) |
$101 ($50–$201) |
| Dog Grooming |
$60 ($30–$101) |
| Pet Boarding (Per Night) |
$40 ($20–$76) |
| Dog Spay/Neuter |
$302 ($151–$504) |
| Cat Spay/Neuter |
$201 ($101–$403) |
View all 9 services
Frequently Asked Questions About Eagar
What is the population of Eagar?
Eagar has a population of 4,410 residents and is located in Arizona. The population density is 359 people per square mile, spread across 11.2 square miles. The median age of residents is 43.7 years, which is older than the national median of 38.9 years. The population is 49.2% female and 50.8% male.
Is Eagar expensive to live in?
Eagar has a cost of living roughly in line with the national average, with an index of 100.7 (baseline: 100). The median household income is $81,667, 9% above the national average of $75,149. The median home value is $231,100 (18% below the U.S. median). Renters pay a median of $897 per month, below the national average of $1,163. The home price-to-income ratio is 2.8x, indicating housing is reasonably affordable relative to local income levels.
Is Eagar safe?
Eagar is safer than the national average, with a violent crime rate of 225 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 429 per 100,000 (below the national average). Overall, Eagar receives a safety grade of F based on combined crime data.
What is the weather like in Eagar?
Eagar has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 33°F in January, while summers reach an average of 69°F in July. The area receives 330 sunny days per year, well above the national average of 205. Annual rainfall totals 11.4 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Eagar?
The job market in Eagar is very strong, with unemployment at just 1.0% / well below the national rate of 3.6%. The average weekly wage is $801. There are 133 business establishments in the area, including 6 restaurants and food service locations. The average commute time is 17 minutes, and 1.4% of workers work from home.
How much does housing cost in Eagar?
The median home value in Eagar is $231,100. Zillow estimates the typical home value at $294,877. For renters, the median monthly rent is $897. Fair market rent is $1,151 for a 1-bedroom and $1,419 for a 2-bedroom apartment. The homeownership rate is 86.5%. The average annual property tax is $900.
How are the schools in Eagar?
Schools in Eagar have an average test score of 4.6 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 25.5% of adults in Eagar hold a bachelor's degree or higher, below the national average of 33.7%. 96.4% have completed high school. 9.2% hold a graduate or professional degree.
How healthy is Eagar?
The obesity rate in Eagar is 29.0% (below the national rate of 32.1%). 12.2% of adults are smokers. 19.5% are physically inactive. 20.1% of residents report depression. 12.1% lack health insurance (above the national rate). 63.3% of residents have access to exercise opportunities.
What is transportation like in Eagar?
The average commute in Eagar is 17 minutes, shorter than the national average of 28 minutes. 89.8% of workers drive alone to work, and 1.4% work from home.
What are the demographics of Eagar?
The racial and ethnic makeup of Eagar is 82.9% White, 7.6% Hispanic or Latino, 3% Asian. 91.2% of residents speak only English at home, while 8.8% speak Spanish. 7.9% of the population are military veterans. 19.6% of residents have a disability. 89.3% have health insurance coverage.