Median Income
$46,250
38% lower than US avg
Home Value
$222,200
21% lower than US avg
Violent Crime
207/100K
46% lower than US avg
Bachelor's+
21.6%
36% lower than US avg
Median Rent
$893
23% lower than US avg
Obesity Rate
34.8%
8% higher than US avg
Unemployment
4.3%
19% higher than US avg
Poverty Rate
15.2%
23% higher than US avg
How Kezar Falls Compares to the U.S. Average (100% = U.S. avg)
People
Population834
Median Age37.6 yrs
Density1,083/mi²
Male / Female51% / 49%
Largest GroupWhite 90%
Veterans7.6%
Economy
B
Median Income$46,250
Per Capita$23,598
Unemployment4.3%
Poverty15.2%
County GDP$34,616M
Commute36 min
Housing
B+
Home Value$222,200
Rent$893
Ownership73.6%
Zillow$377,301
Housing Units317
Rent Burden51.0%
Crime
F
Violent207/100K
Property1,123/100K
Health
Obesity34.8%
Uninsured9.7%
Smoking18.1%
Depression28.0%
Heart Disease6.2%
Climate
Avg Temp44°F (6°C)
AQI34 (Good)
Rain49.7 in/yr
Sunny Days246/yr
Elevation351 ft (107 m)
Education
C+
Bachelor's+21.6%
High School+96.2%
Graduate+8.4%
School Score6.43
Community
2024 VoteR 31% / D 67%
Commute36 min
Broadband83.0%
EV Stations2
Libraries35
Is Kezar Falls a Good Place to Live?
Based on current data, Kezar Falls receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, long commute times. Kezar Falls has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Kezar Falls is $46,250, 38% below the national average of $75,149. Unemployment stands at 4.3%, indicating a healthy job market. The poverty rate of 15.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 36 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Kezar Falls is $222,200, 21% below the national median / offering relatively affordable homeownership. Renters pay a median of $893 per month, below the national average / a plus for affordability. A price-to-income ratio of 4.8x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Kezar Falls is below the national average at 207 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,123 per 100,000, 43% below the national average.
Education
21.6% of residents hold a bachelor's degree, below the national average of 33.7%. 96.2% have completed high school. Local schools score 6.4/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Kezar Falls has a cool climate with an average annual temperature of 44°F. Winters average 18°F in January while summers reach 67°F in July. The area gets 246 sunny days per year. Annual precipitation totals 49.7 inches, including 77.9 inches of snow. Air quality is rated Good with a median AQI of 34.
Kezar Falls has a population of 834 with a density of 1,083 people per square mile, spread across 0.8 square miles. The median age is 37.6 years, 3% younger than the national median of 38.9. The gender split is 49.4% female and 50.6% male. The city is predominantly White (90.4%). English is the primary language spoken at home by 97.5% of residents. 7.6% of the population are veterans, above the national rate of 6.0%. 20.0% of residents have a disability (above the 13.0% national average). 88.9% have health insurance coverage.
Population
37.6yrs
Median Age
3% below US avg
Race & Ethnicity
Kezar Falls vs U.S. Average
Language Spoken at Home
English Only
97.5%
24% above US avg
Spanish
2.5%
81% below US avg
Social Characteristics
Kezar Falls vs U.S. Average
The median household income in Kezar Falls is $46,250, which is 38% below the national average of $75,149. Per capita income is $23,598 (below the $39,052 national figure). The average weekly wage is $1,372. The unemployment rate is 4.3% (above the 3.6% US average). 15.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 18,210 business establishments, including 1,133 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 36 minutes (longer than the 28-minute US average). 9.2% of workers work from home (below the 15.2% national rate).
Income: Kezar Falls vs U.S.
Income
| Median HH Income | $46,250 |
| 38% below US avg |
| Per Capita Income | $23,598 |
| Avg Weekly Wage | $1,372 |
| IRS Avg AGI | $101,946 |
| Gini Index | 0.467 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.3% |
| 19% above US avg |
| Poverty Rate | 15.2% |
| 23% above US avg |
| Establishments (County) | 18,210 |
| County GDP | $34,616M |
Business (County)
| Restaurants | 1,133 |
| Healthcare | 1,504 |
| Retail | 1,447 |
| Manufacturing | 417 |
Tax & Cost of Living
| Property Tax (IRS) | $7,839 |
| 124% above US avg |
| Cost of Living | 97.10 (100=avg) |
| Effective Tax Rate | 3.53% |
Commute & Transportation
| Commute Time | 36.2 min |
| Drive Alone | 76.9% |
| Public Transit | 0.0% |
| Work from Home | 9.2% |
The median home value in Kezar Falls is $222,200, 21% below the national median of $281,900. Zillow estimates the typical home value at $377,301, higher than the Census estimate. Monthly rent averages $893 (23% below the national average of $1,163). Fair market rent ranges from $1,186 for a one-bedroom to $1,497 for a two-bedroom apartment. 73.6% of housing units are owner-occupied (above the 65.4% national rate). There are 317 total housing units in the city. The median year a home was built is 1962. The average annual property tax is $7,839 (higher than the $3,500 national average). 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 4.8x.
Home Values
| Census Median | $222,200 |
| 21% below US avg |
| Zillow ZHVI | $377,301 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $893 |
| 23% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $1,108 |
| 1 Bedroom | $1,186 |
| 2 Bedrooms | $1,497 |
| 3 Bedrooms | $1,951 |
| 4 Bedrooms | $2,190 |
Ownership & Property
| Homeownership | 73.6% |
| Owner-Occupied | 73.6% |
| Renter-Occupied | 26.4% |
| Housing Units | 317 |
| Median Year Built | 1962 |
Property Tax
| Avg Tax (IRS) | $7,839 |
| 124% above US avg |
| Effective Rate | 3.53% |
In Kezar Falls, 34.8% of adults are obese, above the national rate of 32.1%. 9.7% have diabetes. Heart disease affects 6.2% of residents. 31.0% have high blood pressure. 18.1% are current smokers (above the 14.0% national rate). 19.2% report binge drinking. 23.3% are physically inactive. 28.0% report depression (above the 20.0% national average). 20.4% experience frequent mental distress. 9.7% of residents lack health insurance. The primary care physician ratio is 1:603. The dentist ratio is 1:904. 85.2% of residents have access to exercise opportunities. The food environment index is 8.8 out of 10.
Health Metrics: Kezar Falls vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.8% |
| 8% above US avg |
| Diabetes | 9.7% |
| Heart Disease | 6.2% |
| High Blood Pressure | 31.0% |
| Asthma | 13.4% |
| COPD | 8.2% |
| Cancer | 7.5% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 18.1% |
| 29% above US avg |
| Binge Drinking | 19.2% |
| Physical Inactivity | 23.3% |
| Depression | 28.0% |
| Mental Distress | 20.4% |
| Physical Distress | 14.5% |
| Short Sleep | 34.4% |
Healthcare Access
| Insurance Rate | 88.9% |
| Uninsured | 9.7% |
| 13% above US avg |
| Primary Care | 1:603 |
| Dentists | 1:904 |
| Mental Health | 1:119 |
| Checkup Rate | 77.1% |
| Dental Visits | 59.2% |
| Premature Death | 6,232/100K |
Food & Exercise
| Food Environment | 8.8/10 |
| Exercise Access | 85.2% |
| Healthcare Facilities | 1,504 |
Kezar Falls has a violent crime rate of 207 per 100,000 residents, 46% below the national average of 380. Property crime stands at 1,123 per 100,000, 43% below the U.S. average. The county recorded 24 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Kezar Falls receives a safety grade of F.
Crime Rates: Kezar Falls vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 206.9/100K |
| 46% below US avg |
| |
Property Crime
| Total Property | 1,122.9/100K |
| 43% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 24 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Kezar Falls has a cool climate with an average annual temperature of 44°F (6°C). Winters average 18°F in January while summers reach 67°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 49.7 inches (wetter than the 38-inch national average). The area receives 77.9 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 34. The city sits at an elevation of 351 feet.
Temperature
18°F Jan (-8°C)
67°F Jul (20°C)
| Annual Average | 43.5°F |
| 19% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 67°F (20°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 351 ft (107 m) |
| Area | 0.8 sq mi (2.0 km²) |
| Population Density | 1,083/sq mi |
| Coordinates | 43.8071°N, 70.8753°W |
| Timezone | America/New_York |
| County | Cumberland County County |
| Nearest Airport | Eastern Slopes Regional (FRY)
13 miles away |
Precipitation & Snow
Annual Rainfall
49.7"
31% above US avg
Wettest Month (Nov)
5.16"
Air Quality
| AQI Median | 34.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0376 ppm |
| NO₂ (Nitrogen Dioxide) | 10.4 ppb |
| PM2.5 (Fine Particles) | 7.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 77.0 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 98.8 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Relatively Moderate |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very High |
| Lightning |
Relatively High |
| Ice Storm |
Very High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Coastal Flood |
Relatively Moderate |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
47 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.7. Most recent: M3.8 on Jan 27, 2025.
| Oct 16, 2012 |
5 km W of Hollis Center, Maine |
M4.7 |
29 km |
| Aug 21, 1996 |
12 km N of Livermore, New Hampshire |
M3.8 |
57 km |
| Jun 16, 1995 |
8 km N of Lisbon, New Hampshire |
M3.8 |
99 km |
| Feb 26, 1999 |
0 km NW of China, Maine |
M3.8 |
132 km |
| Jan 27, 2025 |
9 km SE of York Harbor, Maine |
M3.8 |
86 km |
| Jan 17, 2000 |
4 km NNE of Dixfield, Maine |
M3.6 |
92 km |
| Jan 3, 2000 |
4 km W of Leeds, Maine |
M3.5 |
79 km |
| Oct 6, 1992 |
1 km SW of Canterbury, New Hampshire |
M3.4 |
78 km |
| Sep 7, 2000 |
7 km WSW of Liberty, Maine |
M3.2 |
134 km |
| Sep 26, 2010 |
2 km SW of Canterbury, New Hampshire |
M3.2 |
79 km |
| Jan 10, 1999 |
2 km ENE of Merrimac, Massachusetts |
M3.1 |
108 km |
| Sep 5, 1994 |
13 km NNE of Monhegan, Maine |
M3.1 |
132 km |
| Jan 27, 2000 |
3 km WNW of Fremont, New Hampshire |
M3.0 |
93 km |
| Nov 20, 1994 |
4 km WNW of Norway, Maine |
M3.0 |
52 km |
| Jan 10, 1999 |
1 km NNE of Merrimac, Massachusetts |
M3.0 |
108 km |
| Jun 7, 2010 |
29 km SE of York Beach, Maine |
M2.9 |
99 km |
| Feb 4, 2022 |
0 km SSW of Gorham, New Hampshire |
M2.9 |
69 km |
| Jan 8, 1998 |
52 km ENE of Rockport, Massachusetts |
M2.9 |
126 km |
| Apr 25, 2023 |
4 km SW of Center Sandwich, New Hampshire |
M2.9 |
49 km |
| Jul 28, 2024 |
6 km W of Gardiner, Maine |
M2.8 |
94 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
2 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 2. Most recent: Bob (1991, Cat 2).
| Year |
Name |
Category |
Closest |
| 1991 |
Bob |
Category 2 |
138 km |
| 1985 |
Gloria |
Category 1 |
264 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
97 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 1 fatality, 33 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 25, 1969 |
EF3 |
67 km |
0 |
| Jun 9, 1953 |
EF3 |
93 km |
0 |
| Jul 24, 2008 |
EF2 |
81 km |
1 |
| May 21, 2006 |
EF2 |
99 km |
0 |
| Jul 6, 1999 |
EF2 |
67 km |
0 |
| Jul 8, 1996 |
EF2 |
89 km |
0 |
| Jun 22, 1981 |
EF2 |
48 km |
0 |
| May 3, 1976 |
EF2 |
75 km |
0 |
| May 11, 1973 |
EF2 |
90 km |
0 |
| Jul 3, 1972 |
EF2 |
62 km |
0 |
| Jul 31, 1971 |
EF2 |
92 km |
0 |
| Jul 31, 1971 |
EF2 |
97 km |
0 |
| Jul 31, 1971 |
EF2 |
84 km |
0 |
| Oct 10, 1966 |
EF2 |
43 km |
0 |
| Jul 18, 1963 |
EF2 |
35 km |
0 |
| May 14, 1963 |
EF2 |
57 km |
0 |
| Jun 19, 1957 |
EF2 |
79 km |
0 |
| Jul 1, 2017 |
EF1 |
27 km |
0 |
| Jul 1, 2017 |
EF1 |
26 km |
0 |
| Jul 1, 2017 |
EF1 |
31 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
Highest wave on record: 3.6 m (12 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 2008 |
MAINE |
Avalanche |
3.6 m |
— |
94 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
3.5 in |
Coldest |
| February |
22°F (-6°C) |
3.7 in |
|
| March |
31°F (-0°C) |
3.8 in |
|
| April |
43°F (6°C) |
4.3 in |
|
| May |
54°F (12°C) |
4.1 in |
|
| June |
63°F (17°C) |
3.8 in |
|
| July |
67°F (20°C) |
3.7 in |
Warmest |
| August |
66°F (19°C) |
3.8 in |
|
| September |
58°F (14°C) |
3.4 in |
Driest |
| October |
47°F (8°C) |
4.2 in |
|
| November |
37°F (3°C) |
5.2 in |
Wettest |
| December |
25°F (-4°C) |
4.5 in |
|
Kezar Falls has a seasonal temperature swing of 50°F / from 18°F in January to 67°F in July. Total annual precipitation is 47.9 inches, with November being the wettest month (5.2") and September the driest (3.4").
Average costs for common services in Kezar Falls. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$243 ($146–$388) |
| Specialist Visit |
$340 ($194–$534) |
| Urgent Care Visit |
$194 ($97–$340) |
| Emergency Room Visit |
$2,136 ($777–$4,855) |
| Dental Cleaning |
$126 ($73–$194) |
| Dental Filling |
$243 ($146–$388) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$291 ($146–$486) |
| Tire Rotation |
$39 ($19–$73) |
| New Tires (Set of 4) |
$583 ($388–$971) |
| Battery Replacement |
$194 ($97–$340) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$97 ($58–$146) |
| Electrician (Per Hour) |
$87 ($49–$136) |
| HVAC Repair |
$388 ($146–$777) |
| HVAC System Install |
$6,797 ($3,884–$11,652) |
| Roof Repair |
$971 ($388–$1,942) |
| Roof Replacement |
$8,739 ($5,341–$14,565) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,457 ($486–$3,399) |
| Divorce (Contested) |
$14,565 ($4,855–$29,130) |
| DUI Defense |
$4,855 ($1,942–$9,710) |
| Bankruptcy (Chapter 7) |
$1,457 ($777–$2,913) |
| Will Preparation |
$486 ($194–$971) |
| Trust Preparation |
$2,428 ($971–$4,855) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$53 ($29–$97) |
| Hair Coloring (Full) |
$146 ($73–$243) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$126) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.98 ($2.91–$5.34) |
| Dozen Eggs (per dozen) |
$3.40 ($2.43–$4.86) |
| Loaf of Bread |
$3.69 ($2.43–$5.34) |
| Chicken Breast (per lb) |
$4.37 ($2.91–$6.31) |
| Ground Beef (per lb) |
$5.34 ($3.88–$7.28) |
| Rice (per lb) |
$0.97 ($0.58–$1.75) |
View all 20 services
Utilities
| Electricity (Monthly) |
$136 ($78–$243) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$97) |
| Cell Phone Plan (Monthly) |
$63 ($29–$97) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$194 ($73–$486) |
| Car Insurance (Annual) |
$1,942 ($1,165–$3,399) |
| Bus Pass (Monthly) |
$68 ($29–$126) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.77–$24) |
| Car Registration (Annual) |
$97 ($29–$243) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,165 ($583–$2,428) |
| Daycare (Toddler, Monthly) |
$971 ($486–$1,942) |
| After-School Care (Monthly) |
$388 ($194–$680) |
| Tutoring (Per Hour) |
$49 ($24–$97) |
| SAT/ACT Prep Course |
$971 ($388–$2,428) |
| Private School (K-12, Annual) |
$12,138 ($4,855–$29,130) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29–$97) |
| Dog Vaccination (Annual) |
$97 ($49–$194) |
| Dog Grooming |
$58 ($29–$97) |
| Pet Boarding (Per Night) |
$39 ($19–$73) |
| Dog Spay/Neuter |
$291 ($146–$486) |
| Cat Spay/Neuter |
$194 ($97–$388) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,090 |
| Toddler | $1,090 |
| Preschool | $1,132 |
| Family Childcare (monthly) |
| Infant | $895 |
| Toddler | $837 |
| Preschool | $823 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Kezar Falls
What is the population of Kezar Falls?
Kezar Falls has a population of 834 residents and is located in Maine. The population density is 1,083 people per square mile, spread across 0.8 square miles. The median age of residents is 37.6 years. The population is 49.4% female and 50.6% male.
Is Kezar Falls expensive to live in?
Kezar Falls has a cost of living roughly in line with the national average, with an index of 97.1 (baseline: 100). The median household income is $46,250, 38% below the national average of $75,149. The median home value is $222,200 (21% below the U.S. median). Renters pay a median of $893 per month, below the national average of $1,163. The home price-to-income ratio is 4.8x, indicating housing is reasonably affordable relative to local income levels.
Is Kezar Falls safe?
Kezar Falls is safer than the national average, with a violent crime rate of 207 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,123 per 100,000 (below the national average). Overall, Kezar Falls receives a safety grade of F based on combined crime data.
What is the weather like in Kezar Falls?
Kezar Falls has a cool climate with an average annual temperature of 44°F (6°C). Winter temperatures average 18°F in January, while summers reach an average of 67°F in July. The area receives 246 sunny days per year. Annual rainfall totals 49.7 inches, with 77.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 34.
How is the job market in Kezar Falls?
Kezar Falls has a healthy job market with an unemployment rate of 4.3%, near the national average of 3.6%. The average weekly wage is $1,372. There are 18,210 business establishments in the area, including 1,133 restaurants and food service locations. The average commute time is 36 minutes, and 9.2% of workers work from home.
How much does housing cost in Kezar Falls?
The median home value in Kezar Falls is $222,200. Zillow estimates the typical home value at $377,301. For renters, the median monthly rent is $893. Fair market rent is $1,186 for a 1-bedroom and $1,497 for a 2-bedroom apartment. The homeownership rate is 73.6%. The average annual property tax is $7,839.
How are the schools in Kezar Falls?
Schools in Kezar Falls score 6.4 out of 10 on standardized testing, near the national average. 21.6% of adults in Kezar Falls hold a bachelor's degree or higher, below the national average of 33.7%. 96.2% have completed high school. 8.4% hold a graduate or professional degree.
How healthy is Kezar Falls?
The obesity rate in Kezar Falls is 34.8% (above the national rate of 32.1%). 18.1% of adults are smokers. 23.3% are physically inactive. 28.0% of residents report depression. 9.7% lack health insurance. 85.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:603.
What is transportation like in Kezar Falls?
The average commute in Kezar Falls is 36 minutes, longer than the national average of 28 minutes. 76.9% of workers drive alone to work, and 9.2% work from home.
What are the demographics of Kezar Falls?
The racial and ethnic makeup of Kezar Falls is 90.4% White. 97.5% of residents speak only English at home. 7.6% of the population are military veterans. 20.0% of residents have a disability. 88.9% have health insurance coverage.
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