Median Income
$73,571
2% lower than US avg
Home Value
$245,800
13% lower than US avg
Violent Crime
49/100K
87% lower than US avg
Bachelor's+
12.7%
62% lower than US avg
Obesity Rate
30.6%
5% lower than US avg
Unemployment
10.0%
178% higher than US avg
Poverty Rate
13.5%
9% higher than US avg
How Onaway Compares to the U.S. Average (100% = U.S. avg)
People
Population306
Median Age35.6 yrs
Density2,040/mi²
Male / Female47% / 53%
Largest GroupWhite 80%
Veterans16.1%
Economy
C+
Median Income$73,571
Per Capita$44,382
Unemployment10.0%
Poverty13.5%
County GDP$2,072M
Commute32 min
Housing
A+
Home Value$245,800
Ownership77.3%
Zillow$295,383
Housing Units108
Rent Burden28.9%
Crime
F
Violent49/100K
Property2,846/100K
Health
Obesity30.6%
Uninsured7.8%
Smoking11.9%
Depression24.0%
Heart Disease5.2%
Climate
Avg Temp47°F (8°C)
AQI33 (Good)
Rain24.5 in/yr
Sunny Days276/yr
Elevation2,614 ft (797 m)
Education
C
Bachelor's+12.7%
High School+94.1%
Graduate+3.6%
School Score6.32
Community
2024 VoteR 52% / D 44%
Commute32 min
Broadband100.0%
EV Stations1
Libraries7
Is Onaway a Good Place to Live?
Based on current data, Onaway 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, strong internet connectivity. Areas to be aware of include above-average unemployment. Onaway has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Onaway is $73,571, roughly in line with the national average of $75,149. At 10.0%, unemployment is notably high. 13.5% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 32 minutes.
Cost of Living & Housing
The median home value in Onaway is $245,800, 13% below the national median / offering relatively affordable homeownership. A price-to-income ratio of 3.3x indicates a reasonably affordable housing market.
Safety & Crime
Onaway is a very safe community with a violent crime rate of 49 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,846 per 100,000, 45% above the national average.
Education
12.7% of residents hold a bachelor's degree, below the national average of 33.7%. 94.1% have completed high school. Local schools score 6.3/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Onaway experiences four distinct seasons with an average temperature of 47°F. Winters average 31°F in January while summers reach 65°F in July. With 276 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 24.5 inches, including 41.3 inches of snow. Air quality is rated Good with a median AQI of 33.
Onaway has a population of 306 with a density of 2,040 people per square mile, spread across 0.2 square miles. The median age is 35.6 years, 8% younger than the national median of 38.9. The gender split is 52.6% female and 47.4% male. The city is predominantly White (80.4%), with 7.5% Hispanic. English is the primary language spoken at home by 96.1% of residents. 16.1% of the population are veterans, above the national rate of 6.0%. 17.5% of residents have a disability (above the 13.0% national average). 78.5% have health insurance coverage.
Population
35.6yrs
Median Age
8% below US avg
Language Spoken at Home
English Only
96.1%
22% above US avg
Spanish
3.9%
71% below US avg
The median household income in Onaway is $73,571, which is 2% below the national average of $75,149. Per capita income is $44,382 (above the $39,052 national figure). The average weekly wage is $946, 34% lower than the U.S. average. The unemployment rate is 10.0% (above the 3.6% US average). 13.5% of residents live below the poverty line. The area has 1,448 business establishments, including 130 restaurants. The cost of living index is 95.5, roughly in line with the national average. Workers commute an average of 32 minutes (longer than the 28-minute US average). 10.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $73,571 |
| 2% below US avg |
| Per Capita Income | $44,382 |
| Avg Weekly Wage | $946 |
| IRS Avg AGI | $75,069 |
| Gini Index | 0.456 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 10.0% |
| 178% above US avg |
| Poverty Rate | 13.5% |
| 9% above US avg |
| Establishments (County) | 1,448 |
| County GDP | $2,072M |
Business (County)
| Restaurants | 130 |
| Healthcare | 112 |
| Retail | 138 |
| Manufacturing | 38 |
Tax & Cost of Living
| Property Tax (IRS) | $4,688 |
| 34% above US avg |
| Cost of Living | 95.50 (100=avg) |
| Effective Tax Rate | 1.91% |
Commute & Transportation
| Commute Time | 32.3 min |
| Drive Alone | 74.8% |
| Public Transit | 0.0% |
| Work from Home | 10.8% |
The median home value in Onaway is $245,800, 13% below the national median of $281,900. Zillow estimates the typical home value at $295,383, higher than the Census estimate. Fair market rent ranges from $950 for a one-bedroom to $1,173 for a two-bedroom apartment. 77.3% of housing units are owner-occupied (above the 65.4% national rate). There are 108 total housing units in the city. The median year a home was built is 1976. The average annual property tax is $4,688 (higher than the $3,500 national average). 28.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.3x.
Home Values
| Census Median | $245,800 |
| 13% below US avg |
| Zillow ZHVI | $295,383 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $898 |
| 1 Bedroom | $950 |
| 2 Bedrooms | $1,173 |
| 3 Bedrooms | $1,619 |
| 4 Bedrooms | $1,949 |
Ownership & Property
| Homeownership | 77.3% |
| Owner-Occupied | 77.3% |
| Renter-Occupied | 22.7% |
| Housing Units | 108 |
| Median Year Built | 1976 |
Property Tax
| Avg Tax (IRS) | $4,688 |
| 34% above US avg |
| Effective Rate | 1.91% |
In Onaway, 30.6% of adults are obese, below the national rate of 32.1%. 7.7% have diabetes (below the 10.5% national rate). Heart disease affects 5.2% of residents. 29.2% have high blood pressure. 11.9% are current smokers. 18.1% report binge drinking. 18.2% are physically inactive, below the national average. 24.0% report depression (above the 20.0% national average). 17.3% experience frequent mental distress. 7.8% of residents lack health insurance. The primary care physician ratio is 1:1,390. The dentist ratio is 1:2,157. 69.7% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Health Metrics: Onaway vs U.S. Average (%)
Chronic Conditions
| Obesity | 30.6% |
| 5% below US avg |
| Diabetes | 7.7% |
| Heart Disease | 5.2% |
| High Blood Pressure | 29.2% |
| Asthma | 11.1% |
| COPD | 5.6% |
| Cancer | 7.6% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 11.9% |
| 15% below US avg |
| Binge Drinking | 18.1% |
| Physical Inactivity | 18.2% |
| Depression | 24.0% |
| Mental Distress | 17.3% |
| Physical Distress | 12.4% |
| Short Sleep | 28.9% |
Healthcare Access
| Insurance Rate | 78.5% |
| Uninsured | 7.8% |
| 9% below US avg |
| Primary Care | 1:1,390 |
| Dentists | 1:2,157 |
| Mental Health | 1:475 |
| Checkup Rate | 72.4% |
| Dental Visits | 68.3% |
| Premature Death | 5,065/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 69.7% |
| Healthcare Facilities | 112 |
Onaway has a violent crime rate of 49 per 100,000 residents, 87% below the national average of 380. Property crime stands at 2,846 per 100,000, 45% above the U.S. average. Overall, Onaway receives a safety grade of F.
Crime Rates: Onaway vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 48.6/100K |
| 87% below US avg |
| |
Property Crime
| Total Property | 2,845.6/100K |
| 45% above US avg |
Traffic Safety
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Onaway experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 31°F in January while summers reach 65°F in July. The area gets 276 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 24.5 inches (drier than the 38-inch national average). The area receives 41.3 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 33. The city sits at an elevation of 2,614 feet.
Temperature
31°F Jan (-0°C)
65°F Jul (19°C)
| Annual Average | 46.9°F |
| 13% below US avg |
| January Average | 31°F (-0°C) |
| July Average | 65°F (19°C) |
| Sunny Days | 276 days/yr |
Geography
| Elevation | 2,614 ft (797 m) |
| Area | 0.2 sq mi (0.4 km²) |
| Population Density | 2,040/sq mi |
| Coordinates | 46.9282°N, 116.8896°W |
| Timezone | America/Boise |
| County | Latah County County |
| Nearest Airport | Pullman/Moscow Regional (PUW) 17 miles away |
Precipitation & Snow
Annual Rainfall
24.5"
36% below US avg
Wettest Month (Dec)
3.27"
Air Quality
| AQI Median | 33.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 33.3 / 100 |
| Social Vulnerability | 15.0 / 100 |
| Community Resilience | 43.1 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
89 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.1. Most recent: M2.5 on Feb 13, 2025.
| Aug 17, 1994 |
1 km E of Mullan, Idaho |
M4.1 |
104 km |
| Nov 11, 2001 |
3 km NE of Spokane, Washington |
M4.0 |
93 km |
| Jun 25, 2001 |
Washington |
M3.9 |
92 km |
| Apr 24, 2015 |
8 km WSW of Hope, Idaho |
M3.9 |
148 km |
| Nov 8, 1997 |
39 km SE of Pierce, Idaho |
M3.8 |
136 km |
| Jun 28, 1998 |
3 km SE of Genesee, Idaho |
M3.8 |
44 km |
| Apr 24, 2015 |
12 km SSW of East Hope, Idaho |
M3.7 |
140 km |
| Mar 14, 1997 |
1 km E of Mullan, Idaho |
M3.6 |
103 km |
| May 30, 1996 |
3 km SSW of Mullan, Idaho |
M3.6 |
99 km |
| Jan 20, 2000 |
21 km ENE of Athol, Idaho |
M3.5 |
125 km |
| Nov 2, 1996 |
4 km W of Trout Creek, Montana |
M3.4 |
137 km |
| Jun 25, 2001 |
2 km SSE of Town and Country, Washington |
M3.4 |
95 km |
| Mar 8, 1994 |
32 km S of Wallace, Idaho |
M3.4 |
78 km |
| Jun 28, 1997 |
3 km NNW of Mullan, Idaho |
M3.4 |
103 km |
| Jun 17, 2004 |
11 km SSE of Washtucna, Washington |
M3.4 |
107 km |
| Jan 13, 1994 |
11 km SW of Lind, Washington |
M3.4 |
138 km |
| May 10, 2000 |
Idaho-Montana border region |
M3.3 |
103 km |
| Feb 11, 2025 |
2 km NNW of Mullan, Idaho |
M3.3 |
103 km |
| Nov 12, 2001 |
3 km NNE of Spokane, Washington |
M3.3 |
93 km |
| Sep 22, 2003 |
12 km NW of Rathdrum, Idaho |
M3.3 |
108 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
27 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 3 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 30, 1971 |
EF2 |
35 km |
0 |
| Mar 14, 1966 |
EF2 |
84 km |
0 |
| May 8, 1962 |
EF2 |
59 km |
0 |
| May 6, 1957 |
EF2 |
66 km |
0 |
| Jun 15, 1954 |
EF2 |
67 km |
0 |
| May 19, 1986 |
EF1 |
23 km |
0 |
| Apr 12, 1984 |
EF1 |
92 km |
0 |
| Oct 17, 1983 |
EF1 |
79 km |
0 |
| May 2, 1973 |
EF1 |
24 km |
0 |
| Jun 20, 1969 |
EF1 |
48 km |
0 |
| Apr 18, 2024 |
EF0 |
96 km |
0 |
| May 6, 2022 |
EF0 |
87 km |
0 |
| May 6, 2022 |
EF0 |
94 km |
0 |
| Aug 9, 2016 |
EF0 |
97 km |
0 |
| Jul 22, 2016 |
EF0 |
96 km |
0 |
| Oct 5, 2011 |
EF0 |
75 km |
0 |
| Oct 7, 2010 |
EF0 |
92 km |
0 |
| Oct 7, 2010 |
EF0 |
96 km |
0 |
| Jun 29, 2007 |
EF0 |
88 km |
0 |
| May 21, 2004 |
EF0 |
98 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
3 tsunamis recorded within 500 km.
Highest wave on record: 19.8 m (65 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1949 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
19.8 m |
— |
149 km |
| 2009 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
9.0 m |
— |
130 km |
| 2009 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
3.6 m |
— |
144 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: LICK CREEK (80,376 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
LICK CREEK |
80,376 |
88 km |
| 2005 |
SCHOOL |
51,701 |
91 km |
| 2007 |
CHIMNEY COMPLEX |
50,646 |
97 km |
| 2015 |
KAMIAH GULCH |
48,459 |
96 km |
| 2015 |
FISHER |
20,757 |
77 km |
| 2021 |
BEDROCK |
11,998 |
50 km |
| 2015 |
LAWYER 2 |
11,378 |
98 km |
| 2010 |
HUBBARD |
10,824 |
92 km |
| 2016 |
SNAKE RIVER FIRE |
10,349 |
50 km |
| 2023 |
GRAY |
10,096 |
89 km |
| 2014 |
WATERMELON HILL |
9,321 |
82 km |
| 2021 |
SILCOTT |
8,864 |
68 km |
| 2007 |
UNNAMED |
8,547 |
77 km |
| 2003 |
MILEPOST 59 |
8,361 |
93 km |
| 2022 |
WAGNER ROAD |
8,155 |
77 km |
| 2015 |
GILMORE GULCH |
8,074 |
86 km |
| 2016 |
SPOKANE COMPLEX |
6,839 |
70 km |
| 1997 |
POW WAH KEE |
6,418 |
70 km |
| 2015 |
CHICADEE |
5,766 |
89 km |
| 2022 |
RIPARIA |
5,631 |
80 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-0°C) |
3.1 in |
|
| February |
34°F (1°C) |
2.5 in |
|
| March |
39°F (4°C) |
2.5 in |
|
| April |
45°F (7°C) |
2.1 in |
|
| May |
52°F (11°C) |
2.2 in |
|
| June |
58°F (15°C) |
1.8 in |
|
| July |
65°F (19°C) |
0.9 in |
Warmest, Driest |
| August |
65°F (19°C) |
1.1 in |
|
| September |
57°F (14°C) |
1.3 in |
|
| October |
47°F (8°C) |
1.7 in |
|
| November |
36°F (2°C) |
3.2 in |
|
| December |
29°F (-2°C) |
3.3 in |
Coldest, Wettest |
Onaway has a seasonal temperature swing of 37°F / from 29°F in December to 65°F in July. Total annual precipitation is 25.7 inches, with December being the wettest month (3.3") and July the driest (0.9").
Average costs for common services in Onaway. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$239 ($143–$382) |
| Specialist Visit |
$334 ($191–$525) |
| Urgent Care Visit |
$191 ($96–$334) |
| Emergency Room Visit |
$2,101 ($764–$4,775) |
| Dental Cleaning |
$124 ($72–$191) |
| Dental Filling |
$239 ($143–$382) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$72) |
| Oil Change (Synthetic) |
$72 ($48–$115) |
| Brake Pad Replacement |
$287 ($143–$478) |
| Tire Rotation |
$38 ($19–$72) |
| New Tires (Set of 4) |
$573 ($382–$955) |
| Battery Replacement |
$191 ($96–$334) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$96 ($57–$143) |
| Electrician (Per Hour) |
$86 ($48–$134) |
| HVAC Repair |
$382 ($143–$764) |
| HVAC System Install |
$6,685 ($3,820–$11,460) |
| Roof Repair |
$955 ($382–$1,910) |
| Roof Replacement |
$8,595 ($5,253–$14,325) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,433 ($478–$3,343) |
| Divorce (Contested) |
$14,325 ($4,775–$28,650) |
| DUI Defense |
$4,775 ($1,910–$9,550) |
| Bankruptcy (Chapter 7) |
$1,433 ($764–$2,865) |
| Will Preparation |
$478 ($191–$955) |
| Trust Preparation |
$2,388 ($955–$4,775) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$53 ($29–$96) |
| Hair Coloring (Full) |
$143 ($72–$239) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$62) |
| Massage (1 Hour) |
$76 ($48–$124) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.92 ($2.87–$5.25) |
| Dozen Eggs (per dozen) |
$3.34 ($2.39–$4.78) |
| Loaf of Bread |
$3.63 ($2.39–$5.25) |
| Chicken Breast (per lb) |
$4.30 ($2.87–$6.21) |
| Ground Beef (per lb) |
$5.25 ($3.82–$7.16) |
| Rice (per lb) |
$0.96 ($0.57–$1.72) |
View all 20 services
Utilities
| Electricity (Monthly) |
$134 ($76–$239) |
| Natural Gas (Monthly) |
$67 ($29–$143) |
| Water/Sewer (Monthly) |
$67 ($38–$115) |
| Internet (Monthly) |
$67 ($38–$96) |
| Cell Phone Plan (Monthly) |
$62 ($29–$96) |
| Cable TV (Monthly) |
$81 ($48–$143) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$191 ($72–$478) |
| Car Insurance (Annual) |
$1,910 ($1,146–$3,343) |
| Bus Pass (Monthly) |
$67 ($29–$124) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.64–$24) |
| Car Registration (Annual) |
$96 ($29–$239) |
| Driver's License Renewal |
$29 ($14–$72) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,146 ($573–$2,388) |
| Daycare (Toddler, Monthly) |
$955 ($478–$1,910) |
| After-School Care (Monthly) |
$382 ($191–$669) |
| Tutoring (Per Hour) |
$48 ($24–$96) |
| SAT/ACT Prep Course |
$955 ($382–$2,388) |
| Private School (K-12, Annual) |
$11,938 ($4,775–$28,650) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($29–$96) |
| Dog Vaccination (Annual) |
$96 ($48–$191) |
| Dog Grooming |
$57 ($29–$96) |
| Pet Boarding (Per Night) |
$38 ($19–$72) |
| Dog Spay/Neuter |
$287 ($143–$478) |
| Cat Spay/Neuter |
$191 ($96–$382) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $901 |
| Toddler | $898 |
| Preschool | $825 |
| Family Childcare (monthly) |
| Infant | $628 |
| Toddler | $599 |
| Preschool | $555 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Onaway
What is the population of Onaway?
Onaway has a population of 306 residents and is located in Idaho. The population density is 2,040 people per square mile, spread across 0.2 square miles. The median age of residents is 35.6 years, which is younger than the national median of 38.9 years. The population is 52.6% female and 47.4% male.
Is Onaway expensive to live in?
Onaway has a cost of living roughly in line with the national average, with an index of 95.5 (baseline: 100). The median household income is $73,571, 2% below the national average of $75,149. The median home value is $245,800 (13% below the U.S. median). The home price-to-income ratio is 3.3x, indicating housing is reasonably affordable relative to local income levels.
Is Onaway safe?
Onaway is considered a very safe city with a violent crime rate of 49 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,846 per 100,000 (above the national average). Overall, Onaway receives a safety grade of F based on combined crime data.
What is the weather like in Onaway?
Onaway has a four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 31°F in January, while summers reach an average of 65°F in July. The area receives 276 sunny days per year, well above the national average of 205. Annual rainfall totals 24.5 inches, with 41.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 33.
How is the job market in Onaway?
The job market in Onaway faces challenges, with unemployment at 10.0% / significantly above the national rate of 3.6%. The average weekly wage is $946. There are 1,448 business establishments in the area, including 130 restaurants and food service locations. The average commute time is 32 minutes, and 10.8% of workers work from home.
How much does housing cost in Onaway?
The median home value in Onaway is $245,800. Zillow estimates the typical home value at $295,383. The homeownership rate is 77.3%. The average annual property tax is $4,688.
How are the schools in Onaway?
Schools in Onaway score 6.3 out of 10 on standardized testing, near the national average. 12.7% of adults in Onaway hold a bachelor's degree or higher, below the national average of 33.7%. 94.1% have completed high school. 3.6% hold a graduate or professional degree.
How healthy is Onaway?
The obesity rate in Onaway is 30.6% (below the national rate of 32.1%). 11.9% of adults are smokers. 18.2% are physically inactive. 24.0% of residents report depression. 7.8% lack health insurance. 69.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,390.
What is transportation like in Onaway?
The average commute in Onaway is 32 minutes, longer than the national average of 28 minutes. 74.8% of workers drive alone to work, and 10.8% work from home.
What are the demographics of Onaway?
The racial and ethnic makeup of Onaway is 80.4% White, 7.5% Hispanic or Latino. 96.1% of residents speak only English at home, while 3.9% speak Spanish. 16.1% of the population are military veterans. 17.5% of residents have a disability. 78.5% have health insurance coverage.