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Millard, MO

Missouri

Millard is a small town in Missouri with a population of 75. Residents earn $65,625 per year, which is 13% below the national average.

Data updated April 2026

2.9 /5.0
C+ Fair
75 Population 625/sq mi density
$65,625 Median Income $27,653 per capita
$58,300 Home Value $146,255 Zillow
52°F Avg Temperature 263 sunny days/yr
375 Violent Crime/100K 2,927 property/100K
C+
Overall
2.9 / 5.0
Fair overall score based on economy, affordability, safety and education
A
Economy
4.3 / 5.0
$65,625 median income, 0.0% unemployment
A+
Affordability
5.0 / 5.0
$58,300 home value
F
Safety
1.0 / 5.0
375 violent crimes/100K (1% below avg)
F
Education
1.2 / 5.0
1.9% bachelor's degree or higher

Discover Millard, MO

Explore over 40 sections covering people, economy, housing, health, crime, climate, community, costs, trends, schools, colleges, hospitals, treatment centers, industries, museums, libraries, breweries, farmers markets, grocery stores, pharmacies, campgrounds, parks, trails, stadiums, ski resorts, daycare centers, nursing homes, churches, fire stations, cell towers, bridges, power plants, EV stations, prisons, radio stations, airports, police stations, post offices, Amtrak stations, superfund sites, UNESCO sites, and more.
Use the tabs and dropdown menus below to navigate every data point we track for this city.

Full City Profile
Median Income $65,625
13% lower than US avg
Home Value $58,300
79% lower than US avg
Violent Crime 375/100K
1% lower than US avg
Bachelor's+ 1.9%
94% lower than US avg
Obesity Rate 36.1%
12% higher than US avg
Unemployment 0.0%
100% lower than US avg
Poverty Rate 0.0%
100% lower than US avg

How Millard Compares to the U.S. Average (100% = U.S. avg)

People

Population75
Median Age50.7 yrs
Density625/mi²
Male / Female48% / 52%
Largest GroupWhite 79%
Veterans62.0%

Economy

A
Median Income$65,625
Per Capita$27,653
Unemployment0.0%
Poverty0.0%
Commute14 min

Housing

A+
Home Value$58,300
Ownership93.5%
Zillow$146,255
Housing Units36
Rent Burden27.9%

Crime

F
Violent375/100K
Property2,927/100K

Health

Obesity36.1%
Uninsured10.2%
Smoking16.0%
Depression24.9%
Heart Disease5.2%

Climate

Avg Temp52°F (11°C)
AQI41 (Good)
Rain40.1 in/yr
Sunny Days263/yr
Elevation971 ft (296 m)

Education

F
Bachelor's+1.9%
High School+88.7%
Graduate+1.8%
School Score5.51

Community

2024 VoteR 77% / D 22%
Commute14 min
Broadband31.0%
EV Stations6

Is Millard a Good Place to Live?

Based on current data, Millard receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Millard has some notable strengths but also faces challenges that prospective residents should consider.

Economy & Jobs

The median household income in Millard is $65,625, 13% below the national average of $75,149. 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 14 minutes, shorter than most U.S. cities.

Cost of Living & Housing

The median home value in Millard is $58,300, 79% below the national median / offering relatively affordable homeownership. At just 0.9x median income, home prices are very affordable relative to local earnings.

Safety & Crime

Violent crime in Millard is below the national average at 375 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,927 per 100,000, 49% above the national average.

Education

1.9% of residents hold a bachelor's degree, below the national average of 33.7%. 88.7% have completed high school. Area schools have an average test score of 5.5/10.

Climate & Weather

Millard experiences four distinct seasons with an average temperature of 52°F. Winters average 24°F in January while summers reach 77°F in July. With 263 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.1 inches, including 5.3 inches of snow. Air quality is rated Good with a median AQI of 41.

Millard has a population of 75 with a density of 625 people per square mile, spread across 0.1 square miles. The median age is 50.7 years, 30% older than the national median of 38.9. The gender split is 52% female and 48% male. The city is predominantly White (78.7%), with 2.7% Hispanic, 2.7% Black. English is the primary language spoken at home by 100% of residents. 62.0% of the population are veterans, above the national rate of 6.0%. 22.1% of residents have a disability (above the 13.0% national average). 88.2% have health insurance coverage.

Population

75
Total Population
625
People / sq mi
50.7yrs
Median Age
30% above US avg
0.1mi²
Land Area

Gender Distribution

Male 48%
Female 52%

Race & Ethnicity

Millard 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

Millard vs U.S. Average

The median household income in Millard is $65,625, which is 13% below the national average of $75,149. Per capita income is $27,653 (below the $39,052 national figure). 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 cost of living index is 90.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 14 minutes (shorter than the 28-minute US average). 17.4% of workers work from home.

Income: Millard vs U.S.

Commute Mode

Income

Median HH Income$65,625
13% below US avg
Per Capita Income$27,653

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate0.0%
100% below US avg

Business (County)

Tax & Cost of Living

Cost of Living90.80 (100=avg)

Commute & Transportation

Commute Time13.6 min
Drive Alone65.2%
Public Transit0.0%
Work from Home17.4%

Walkability

The median home value in Millard is $58,300, 79% below the national median of $281,900. Zillow estimates the typical home value at $146,255, higher than the Census estimate. Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. 93.5% of housing units are owner-occupied (above the 65.4% national rate). There are 36 total housing units in the city. The median year a home was built is 1973. 27.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 0.9x, well within the affordable range.

Home Value Sources

Ownership Split

Home Values

Census Median$58,300
79% below US avg
Zillow ZHVI$146,255

Real Estate Market (Redfin)

Rental Costs

Rent Burden27.9%

HUD Fair Market Rent

Studio$732
1 Bedroom$775
2 Bedrooms$970
3 Bedrooms$1,265
4 Bedrooms$1,457

Ownership & Property

Homeownership93.5%
Owner-Occupied93.5%
Renter-Occupied6.5%
Housing Units36
Median Year Built1973

Property Tax

In Millard, 36.1% of adults are obese, above the national rate of 32.1%. 9.0% have diabetes. Heart disease affects 5.2% of residents. 29.1% have high blood pressure. 16.0% are current smokers. 18.2% report binge drinking. 26.9% are physically inactive. 24.9% report depression (above the 20.0% national average). 17.8% experience frequent mental distress. 10.2% of residents lack health insurance.

Health Metrics: Millard vs U.S. Average (%)

Chronic Conditions

Obesity36.1%
12% above US avg
Diabetes9.0%
Heart Disease5.2%
High Blood Pressure29.1%
Asthma9.8%
COPD6.3%
Cancer6.6%
Stroke2.6%

Behaviors & Mental Health

Smoking16.0%
14% above US avg
Binge Drinking18.2%
Physical Inactivity26.9%
Depression24.9%
Mental Distress17.8%
Physical Distress12.7%
Short Sleep37.2%

Healthcare Access

Insurance Rate88.2%
Uninsured10.2%
19% above US avg
Checkup Rate72.3%
Dental Visits58.4%

Food & Exercise

Millard has a violent crime rate of 375 per 100,000 residents, 1% below the national average of 380. Property crime stands at 2,927 per 100,000, 49% above the U.S. average. Overall, Millard receives a safety grade of F.

Crime Rates: Millard vs U.S. Average (per 100,000)

Violent Crime

Total Violent375.1/100K
1% below US avg

Property Crime

Total Property2,927.1/100K
49% above US avg

Traffic Safety

Avg Accident Severity0.0 / 4.0

Safety Score

Safety GradeF
Safety Score1.0 / 5.0
View full crime details →
Millard experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 24°F in January while summers reach 77°F in July. The area gets 263 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 40.1 inches. The area receives 5.3 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 971 feet.

Temperature

24°F Jan (-4°C) 77°F Jul (25°C)
Annual Average51.9°F
4% below US avg
January Average24°F (-4°C)
July Average77°F (25°C)
Sunny Days263 days/yr

Geography

Elevation971 ft (296 m)
Area0.1 sq mi (0.3 km²)
Population Density625/sq mi
Coordinates40.1081°N, 92.5460°W
TimezoneAmerica/Chicago
Nearest AirportKirksville Regional (IRK)
1 miles away

Precipitation & Snow

Annual Rainfall 40.1"
5% above US avg
Snowfall 5.3"
Wettest Month (May) 4.65"
Driest Month (Feb) 1.42"

Air Quality

AQI Median41.0
RatingGood

Earthquake History

2 earthquakes (M2.5+) within 150 km since 1990. Strongest: M2.9. Most recent: M2.5 on Jul 15, 2025.

Feb 8, 2004 6 km SSW of Stoutsville, Missouri M2.9 89 km
Jul 15, 2025 3 km W of Hale, Missouri M2.5 91 km
Source: USGS (M2.5+, 1990–2025)

Tornado History

321 tornadoes (EF0+) within 100 km since 1950. Strongest: EF4. Total: 17 fatalities, 171 injuries.

Date Rating Distance Fatalities
Mar 12, 2006 EF4 80 km 0
Apr 23, 1975 EF4 49 km 1
Apr 21, 1973 EF4 89 km 0
Apr 20, 1973 EF4 21 km 1
Jun 12, 1970 EF4 68 km 0
Apr 21, 1967 EF4 70 km 0
Jan 24, 1967 EF4 33 km 0
May 20, 1959 EF4 83 km 0
May 27, 2019 EF3 78 km 0
Mar 12, 2006 EF3 88 km 4
May 10, 2003 EF3 85 km 0
Apr 8, 1999 EF3 72 km 0
Apr 8, 1999 EF3 97 km 0
Jul 4, 1995 EF3 79 km 0
Apr 23, 1975 EF3 80 km 0
Apr 13, 1974 EF3 92 km 0
Apr 13, 1974 EF3 33 km 0
May 1, 1973 EF3 77 km 2
Apr 20, 1973 EF3 55 km 0
May 5, 1971 EF3 72 km 0
Source: NOAA SPC (EF0+, 1950–2024)

Monthly Weather

Month Avg Temperature Precipitation Summary
January 24°F (-4°C) 1.7 in Coldest
February 30°F (-1°C) 1.4 in Driest
March 41°F (5°C) 3.0 in
April 53°F (11°C) 3.7 in
May 62°F (17°C) 4.7 in Wettest
June 71°F (22°C) 4.3 in
July 77°F (25°C) 4.3 in Warmest
August 74°F (23°C) 3.9 in
September 66°F (19°C) 4.7 in
October 55°F (13°C) 3.5 in
November 41°F (5°C) 2.7 in
December 29°F (-2°C) 2.2 in

Millard has a seasonal temperature swing of 53°F / from 24°F in January to 77°F in July. Total annual precipitation is 40.1 inches, with May being the wettest month (4.7") and February the driest (1.4").

View full weather details →
1.9% of adults hold a bachelor's degree or higher, 94% below the national average of 33.7%. 88.7% have completed high school. 1.8% hold a graduate or professional degree (below the 13.1% national rate). Area schools have an average test score of 5.5 out of 10. In the 2024 presidential election, the county voted Republican with 76.6% of the vote, a 54.2-point margin. 31.0% of households have broadband internet access (below the 90.0% national rate). The area has 6 EV charging stations. 65.2% of workers drive alone to work.

2024 Presidential Election (County)

R 76.6%
D 22.4%

Winner: Republican by 54.2 points

Safety & Disasters

Avg Accident Severity0.0 / 4.0
F Safety Grade (1.0/5.0)

Education

Bachelor's Degree+1.9%
94% below US avg
High School+88.7%
Graduate Degree+1.8%
School Test Score5.51
F Education Grade (1.2/5.0)

Area & Infrastructure

Population Density625/sq mi
Total Area0.1 sq mi

Services

Broadband Access31.0%
EV Charging Stations6
Alt Fuel Stations9

Commute & Transportation

Avg Commute13.6 min
Drive Alone65.2%
Public Transit0.0%
Work from Home17.4%
Average costs for common services in Millard. Prices are estimated based on regional cost of living data and may vary by provider.

Healthcare

Doctor Visit (Primary Care) $227 ($136–$363)
Specialist Visit $318 ($182–$499)
Urgent Care Visit $182 ($91–$318)
Emergency Room Visit $1,998 ($726–$4,540)
Dental Cleaning $118 ($68–$182)
Dental Filling $227 ($136–$363)
View all 40 services

Auto Repair

Oil Change (Conventional) $41 ($23–$68)
Oil Change (Synthetic) $68 ($45–$109)
Brake Pad Replacement $272 ($136–$454)
Tire Rotation $36 ($18–$68)
New Tires (Set of 4) $545 ($363–$908)
Battery Replacement $182 ($91–$318)
View all 18 services

Home Services

Plumber (Per Hour) $91 ($54–$136)
Electrician (Per Hour) $82 ($45–$127)
HVAC Repair $363 ($136–$726)
HVAC System Install $6,356 ($3,632–$10,896)
Roof Repair $908 ($363–$1,816)
Roof Replacement $8,172 ($4,994–$13,620)
View all 25 services

Legal

Divorce (Uncontested) $1,362 ($454–$3,178)
Divorce (Contested) $13,620 ($4,540–$27,240)
DUI Defense $4,540 ($1,816–$9,080)
Bankruptcy (Chapter 7) $1,362 ($726–$2,724)
Will Preparation $454 ($182–$908)
Trust Preparation $2,270 ($908–$4,540)
View all 12 services

Personal Care

Men's Haircut $23 ($14–$41)
Women's Haircut $50 ($27–$91)
Hair Coloring (Full) $136 ($68–$227)
Manicure $23 ($14–$41)
Pedicure $36 ($23–$59)
Massage (1 Hour) $73 ($45–$118)
View all 12 services

Food & Grocery

Gallon of Milk (per gallon) $3.72 ($2.72–$4.99)
Dozen Eggs (per dozen) $3.18 ($2.27–$4.54)
Loaf of Bread $3.45 ($2.27–$4.99)
Chicken Breast (per lb) $4.09 ($2.72–$5.90)
Ground Beef (per lb) $4.99 ($3.63–$6.81)
Rice (per lb) $0.91 ($0.54–$1.63)
View all 20 services

Utilities

Electricity (Monthly) $127 ($73–$227)
Natural Gas (Monthly) $64 ($27–$136)
Water/Sewer (Monthly) $64 ($36–$109)
Internet (Monthly) $64 ($36–$91)
Cell Phone Plan (Monthly) $59 ($27–$91)
Cable TV (Monthly) $77 ($45–$136)
View all 8 services

Transportation

Monthly Parking (Downtown) $182 ($68–$454)
Car Insurance (Annual) $1,816 ($1,090–$3,178)
Bus Pass (Monthly) $64 ($27–$118)
Taxi/Uber (5-Mile Ride) $14 ($7.26–$23)
Car Registration (Annual) $91 ($27–$227)
Driver's License Renewal $27 ($14–$68)
View all 8 services

Education & Childcare

Daycare (Infant, Monthly) $1,090 ($545–$2,270)
Daycare (Toddler, Monthly) $908 ($454–$1,816)
After-School Care (Monthly) $363 ($182–$636)
Tutoring (Per Hour) $45 ($23–$91)
SAT/ACT Prep Course $908 ($363–$2,270)
Private School (K-12, Annual) $11,350 ($4,540–$27,240)
View all 8 services

Pets

Vet Visit (Routine Checkup) $54 ($27–$91)
Dog Vaccination (Annual) $91 ($45–$182)
Dog Grooming $54 ($27–$91)
Pet Boarding (Per Night) $36 ($18–$68)
Dog Spay/Neuter $272 ($136–$454)
Cat Spay/Neuter $182 ($91–$363)
View all 9 services

Radio Stations near Millard

1 stations within ~55 km.

Station Genre Quality
88.7 KTRM (Truman State University, Kirksville, Missouri) college radio, state college MP3 192 kbps

National Parks Near Millard

10 national parks and monuments found near Millard.

ParkTypeFee
Honey Creek Resort State Park Free
Honey Creek State Park State Park Free
Lacey-Keosauqua State Park State Park Free
Lake Wapello State Park State Park Free
Long Branch State Park State Park Free
Mark Twain State Park State Park Free
Pershing State Park State Park Free
Red Haw State Park State Park Free
Thousand Hills State Park State Park Free
Van Meter State Park State Park Free

Museums in Millard

NameTypeAddressPhoneAnnual Revenue
MUSEUM OF OSTEOPATHIC MEDICINEGENERAL MUSEUM6606262121$124,951,256
SIXTEENTH CENTURY JOURNAL PUBHISTORIC PRESERVATION100 E NORMAL STREET6607854665$125,204
ADAIR COUNTY HISTORICAL SOCIETYHISTORIC PRESERVATION6606656502
DEL AND NORMA ROBINSON PLANETARIUMSCIENCE & TECHNOLOGY MUSEUM OR PLANETARIUM
E.M. VIOLETTE MUSEUMGENERAL MUSEUM
LA PLATA PRESERVATIONHISTORIC PRESERVATION
MOBERLY HISTORICAL & RAILROAD MUSEUMHISTORIC PRESERVATION603 W JACKSON

Libraries in Millard

NameAddressStaffAnnual VisitsCirculationCollectionPrograms
ADAIR COUNTY PUBLIC LIBRARYONE LIBRARY LANE0.088,299
LAPLATA PUBLIC LIBRARY103 E MOORE ST0.07,120

Farmers Markets in Millard

NameAddressSeasonHoursOrganicWebsite
Kirksville Kiwanis Farmers' Market100 North Elson Street05/05/2018 to 10/27/2018Sat: 7:00 AM-12:00 PM;

Cell Towers in Millard

AddressStructure TypeHeight (ft)
(Kirksville site) 1001 E JEFFERSONTOWER127
(West Kirksville site) Trotter RoadTOWER98

Bridges in Millard

LocationTypeKindYear BuiltLength (ft)Daily TrafficCondition
Stringer/Multi-beamPrestressed concrete20103223,988G
Stringer/Multi-beamSteel20101392,050G
Stringer/Multi-beamSteel1960138333G
Stringer/Multi-beamSteel19978045G
Stringer/Multi-beamSteel19996135G
Stringer/Multi-beamSteel20195035G
Stringer/Multi-beamSteel20094035G
Stringer/Multi-beamSteel19984135G
Stringer/Multi-beamSteel20063530G
Channel BeamConcrete20134730G
Stringer/Multi-beamSteel20035030G
Stringer/Multi-beamSteel20036025G
Stringer/Multi-beamSteel19976125G
Stringer/Multi-beamSteel19703125P
Stringer/Multi-beamSteel19886725F
Stringer/Multi-beamSteel20034020G
Stringer/Multi-beamSteel20103120G
Stringer/Multi-beamSteel20084020G
Stringer/Multi-beamSteel20074020G
Stringer/Multi-beamSteel20075020G
Stringer/Multi-beamWood or Timber19992420P
Stringer/Multi-beamSteel20034120G
Stringer/Multi-beamSteel20053020G
Stringer/Multi-beamWood or Timber19752415P
Stringer/Multi-beamSteel20124115G
Stringer/Multi-beamWood or Timber20052415P
Stringer/Multi-beamSteel20135815G
Stringer/Multi-beamSteel20184015G
Stringer/Multi-beamSteel19954615G
Stringer/Multi-beamSteel1998615G

Amtrak Stations in Millard

1 Amtrak stations.

StationAddressType
La Plata, MO535 North Owensby StreetTRAIN

Airports Near Millard

36 airports within the area.

AirportIATAType
Kirksville Regional AirportIRKMedium Airport
Applegate AirportSmall Airport
Bloomfield Municipal AirportSmall Airport
Bogard-Cowgill AirportSmall Airport
Bowen Field Ultralight FlightparkSmall Airport
Carl Ensor AirportSmall Airport
Centerville Municipal AirportSmall Airport
Corydon AirportSmall Airport
Eagle Lodge AirportSmall Airport
Harrison AirportSmall Airport
Howard AirportSmall Airport
Irons AirportSmall Airport
Jetsetter Outdoors AirportSmall Airport
Joe D Lewis AirportSmall Airport
Keosauqua Municipal AirportSmall Airport
Lake Village AirportSmall Airport
LZ Bravo AirportSmall Airport
Macon Fowler Memorial AirportSmall Airport
Memphis Memorial AirportSmall Airport
Newcomb Hereford Ranch AirportSmall Airport
North Central Missouri Regional AirportSmall Airport
Oak Ridge Farms AirportSmall Airport
Oldfield AeroSmall Airport
Omar N Bradley AirportMBYSmall Airport
Palmer AirportSmall Airport
Samuel L. Clemens Memorial AirportSmall Airport
Schneider FieldSmall Airport
Sharpe Farms AirportSmall Airport
Shelby County AirportSmall Airport
Shiloh AirparkSmall Airport
Shorten AirfieldSmall Airport
Slaughter AirportSmall Airport
Stockwell FieldSmall Airport
Unionville Municipal AirportSmall Airport
Vansickle-Davis AirportSmall Airport
Widmark AirportSmall Airport

Police Stations in Millard

0 police stations.

StationAddressPhone

Treatment Centers in Millard

2 treatment centers.

CenterTypePhone
Mark Twain Behavioral HealthBoth660-665-4612
Preferred Family Healthcare IncSubstance Abuse660-665-1962

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Frequently Asked Questions About Millard

What is the population of Millard?

Millard has a population of 75 residents and is located in Missouri. The population density is 625 people per square mile, spread across 0.1 square miles. The median age of residents is 50.7 years, which is older than the national median of 38.9 years. The population is 52% female and 48% male.

Is Millard expensive to live in?

Millard is more affordable than the national average, with a cost of living index of 90.8 / below the baseline of 100. The median household income is $65,625, 13% below the national average of $75,149. The median home value is $58,300 (79% below the U.S. median). The home price-to-income ratio is 0.9x, indicating housing is reasonably affordable relative to local income levels.

Is Millard safe?

Millard is safer than the national average, with a violent crime rate of 375 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,927 per 100,000 (above the national average). Overall, Millard receives a safety grade of F based on combined crime data.

What is the weather like in Millard?

Millard has a four-season climate with an average annual temperature of 52°F (11°C). Winter temperatures average 24°F in January, while summers reach an average of 77°F in July. The area receives 263 sunny days per year, well above the national average of 205. Annual rainfall totals 40.1 inches, with 5.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.

How is the job market in Millard?

The job market in Millard is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average commute time is 14 minutes, and 17.4% of workers work from home.

How much does housing cost in Millard?

The median home value in Millard is $58,300. Zillow estimates the typical home value at $146,255. The homeownership rate is 93.5%.

How are the schools in Millard?

Schools in Millard score 5.5 out of 10 on standardized testing, near the national average. 1.9% of adults in Millard hold a bachelor's degree or higher, below the national average of 33.7%. 88.7% have completed high school. 1.8% hold a graduate or professional degree.

How healthy is Millard?

The obesity rate in Millard is 36.1% (above the national rate of 32.1%). 16.0% of adults are smokers. 26.9% are physically inactive. 24.9% of residents report depression. 10.2% lack health insurance (above the national rate).

What is transportation like in Millard?

The average commute in Millard is 14 minutes, shorter than the national average of 28 minutes. 65.2% of workers drive alone to work, and 17.4% work from home.

What are the demographics of Millard?

The racial and ethnic makeup of Millard is 78.7% White, 2.7% Black or African American, 2.7% Hispanic or Latino. 100% of residents speak only English at home. 62.0% of the population are military veterans. 22.1% of residents have a disability. 88.2% have health insurance coverage.

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