Median Income
$159,638
112% higher than US avg
Home Value
$437,900
55% higher than US avg
Violent Crime
82/100K
78% lower than US avg
Bachelor's+
54.9%
63% higher than US avg
Median Rent
$1,550
33% higher than US avg
Obesity Rate
24.5%
24% lower than US avg
Unemployment
0.9%
75% lower than US avg
Poverty Rate
0.6%
95% lower than US avg
How Rogers Compares to the U.S. Average (100% = U.S. avg)
People
Population13,405
Median Age36.9 yrs
Density528/mi²
Male / Female50% / 50%
Largest GroupWhite 88%
Veterans8.0%
Economy
A+
Median Income$159,638
Per Capita$56,024
Unemployment0.9%
Poverty0.6%
County GDP$193,617M
Commute27 min
Housing
A+
Home Value$437,900
Rent$1,550
Ownership88.3%
Zillow$454,658
Housing Units4,647
Rent Burden24.9%
Crime
F
Violent82/100K
Property1,677/100K
Murder0.0/100K
Assault45/100K
Burglary97/100K
Health
Obesity24.5%
Uninsured5.7%
Smoking9.6%
Depression27.0%
Heart Disease3.9%
Climate
Avg Temp44°F (7°C)
AQI36 (Good)
Rain32.9 in/yr
Sunny Days270/yr
Elevation935 ft (285 m)
Education
A+
Bachelor's+54.9%
High School+97.2%
Graduate+19.7%
School Score6.15
Community
2024 VoteR 28% / D 70%
Commute27 min
Broadband97.3%
EV Stations1
Libraries41
Is Rogers a Good Place to Live?
Based on current data, Rogers receives an overall livability score of 4.0 out of 5.0, earning a grade of A. Key strengths include above-average household incomes, low unemployment, low crime rates, a highly educated population. Areas to be aware of include high housing costs. Rogers stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Rogers is $159,638, which is significantly higher than the national average / 112% above $75,149. This places Rogers among higher-income communities. The job market is very strong with unemployment at just 0.9%. Only 0.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Rogers is $437,900, making it a premium housing market at 55% above the U.S. median of $281,900. Renters pay a median of $1,550 per month, significantly above the national average of $1,163. At just 2.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Rogers is a very safe community with a violent crime rate of 82 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,677 per 100,000, near the national average.
Education
Rogers is a highly educated community / 54.9% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 97.2% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Rogers has a cool climate with an average annual temperature of 44°F. Winters average 13°F in January while summers reach 72°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 32.9 inches, including 35.7 inches of snow. Air quality is rated Good with a median AQI of 36.
Rogers has a population of 13,405 with a density of 528 people per square mile, spread across 8.2 square miles. The median age is 36.9 years, 5% younger than the national median of 38.9. The gender split is 50% female and 50% male. The city is predominantly White (87.5%), with 4.2% Black. English is the primary language spoken at home by 98.1% of residents. 8.0% of the population are veterans, above the national rate of 6.0%. 10.2% of residents have a disability (below the 13.0% national average). 99.3% have health insurance coverage.
Population
36.9yrs
Median Age
5% below US avg
Language Spoken at Home
English Only
98.1%
25% above US avg
Spanish
1.9%
86% below US avg
The median household income in Rogers is $159,638, which is 112% above the national average of $75,149. Per capita income is $56,024 (above the $39,052 national figure). The average weekly wage is $1,734, 21% higher than the U.S. average. The unemployment rate is 0.9% (below the 3.6% US average). 0.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 44,785 business establishments, including 3,018 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 27 minutes. 23.1% of workers work from home (above the 15.2% national rate).
Income
| Median HH Income | $159,638 |
| 112% above US avg |
| Per Capita Income | $56,024 |
| Avg Weekly Wage | $1,734 |
| IRS Avg AGI | $115,538 |
| Gini Index | 0.479 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.9% |
| 75% below US avg |
| Poverty Rate | 0.6% |
| 95% below US avg |
| Establishments (County) | 44,785 |
| County GDP | $193,617M |
Business (County)
| Restaurants | 3,018 |
| Healthcare | 5,330 |
| Retail | 3,721 |
| Manufacturing | 1,443 |
Tax & Cost of Living
| Property Tax (IRS) | $7,736 |
| 121% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.77% |
Commute & Transportation
| Commute Time | 26.5 min |
| Drive Alone | 71.2% |
| Public Transit | 1.3% |
| Work from Home | 23.1% |
The median home value in Rogers is $437,900, 55% above the national median of $281,900. Zillow estimates the typical home value at $454,658. Homes sell for 99% of their list price. Monthly rent averages $1,550 (33% above the national average of $1,163). Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 88.3% of housing units are owner-occupied (above the 65.4% national rate). There are 4,647 total housing units in the city. The median year a home was built is 2000. The average annual property tax is $7,736 (higher than the $3,500 national average). 24.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.7x, well within the affordable range.
Home Values
| Census Median | $437,900 |
| 55% above US avg |
| Zillow ZHVI | $454,658 |
| Median List Price | $385,000 |
Real Estate Market (Redfin)
| Median List Price | $385,000 |
| $/Sq Ft | $189 |
| Homes Sold | 20 |
| Sale-to-List Ratio | 99.0% |
| Price Drops | 68.2% |
| Inventory | 88 |
Rental Costs
| Census Median Rent | $1,550 |
| 33% above US avg |
| Zillow Rent (ZORI) | $1,938 |
| Rent Burden | 24.9% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 88.3% |
| Owner-Occupied | 88.3% |
| Renter-Occupied | 11.7% |
| Housing Units | 4,647 |
| Median Year Built | 2000 |
Property Tax
| Avg Tax (IRS) | $7,736 |
| 121% above US avg |
| Effective Rate | 1.77% |
In Rogers, 24.5% of adults are obese, below the national rate of 32.1%. 5.8% have diabetes (below the 10.5% national rate). Heart disease affects 3.9% of residents, below the national average. 23.7% have high blood pressure. 9.6% are current smokers (below the 14.0% national rate). 21.6% report binge drinking. 14.9% are physically inactive, below the national average. 27.0% report depression (above the 20.0% national average). 14.5% experience frequent mental distress. 5.7% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:832. The dentist ratio is 1:946. 99.1% of residents have access to exercise opportunities. The food environment index is 9.2 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-24)
PM2.5
2.1
μg/m³
Fine particulate
PM10
2.5
μg/m³
Coarse particulate
NO₂
2.5
μg/m³
Nitrogen dioxide
SO₂
0.1
μg/m³
Sulphur dioxide
CO
143.0
μg/m³
Carbon monoxide
Health Metrics: Rogers vs U.S. Average (%)
Chronic Conditions
| Obesity | 24.5% |
| 24% below US avg |
| Diabetes | 5.8% |
| Heart Disease | 3.9% |
| High Blood Pressure | 23.7% |
| Asthma | 9.4% |
| COPD | 3.3% |
| Cancer | 7.4% |
| Stroke | 2.1% |
Behaviors & Mental Health
| Smoking | 9.6% |
| 31% below US avg |
| Binge Drinking | 21.6% |
| Physical Inactivity | 14.9% |
| Depression | 27.0% |
| Mental Distress | 14.5% |
| Physical Distress | 8.4% |
| Short Sleep | 25.5% |
Healthcare Access
| Insurance Rate | 99.3% |
| Uninsured | 5.7% |
| 34% below US avg |
| Primary Care | 1:832 |
| Dentists | 1:946 |
| Mental Health | 1:164 |
| Checkup Rate | 72.8% |
| Dental Visits | 73.2% |
| Premature Death | 6,600/100K |
Food & Exercise
| Food Environment | 9.2/10 |
| Exercise Access | 99.1% |
| Healthcare Facilities | 5,330 |
Rogers has a violent crime rate of 82 per 100,000 residents, 78% below the national average of 380. This breaks down to aggravated assault at 44.7 per 100,000, robbery at 14.9, rape at 22.4. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,677 per 100,000, 14% below the U.S. average. This includes larceny/theft at 1,491, burglary at 97, vehicle theft at 89 per 100,000 residents. The county recorded 60 fatal traffic crashes. Overall, Rogers receives a safety grade of F.
Crime Rates: Rogers vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 82.0/100K |
| 78% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 22.4/100K |
| Robbery | 14.9/100K |
| Assault | 44.7/100K |
Property Crime
| Total Property | 1,677.0/100K |
| 14% below US avg |
| Burglary | 96.9/100K |
| Theft | 1,490.7/100K |
| Vehicle Theft | 89.4/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 60 |
| Traffic Accidents | 1,456 |
| Avg Accident Severity | 2.3 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Rogers has a cool climate with an average annual temperature of 44°F (7°C). Winters average 13°F in January while summers reach 72°F in July. The area gets 270 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 32.9 inches. The area receives 35.7 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 935 feet.
Temperature
13°F Jan (-11°C)
72°F Jul (22°C)
| Annual Average | 44.0°F |
| 19% below US avg |
| January Average | 13°F (-11°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 935 ft (285 m) |
| Area | 8.2 sq mi (21.2 km²) |
| Population Density | 528/sq mi |
| Coordinates | 45.1839°N, 93.5717°W |
| Timezone | America/Chicago |
| County | Hennepin County County |
| Nearest Airport | Minneapolis-St Paul International/Wold-Chamberlain (MSP) 27 miles away |
Precipitation & Snow
Annual Rainfall
32.9"
13% below US avg
Wettest Month (Jun)
4.41"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0419 ppm |
| NO₂ (Nitrogen Dioxide) | 16.9 ppb |
| SO₂ (Sulfur Dioxide) | 0.78 ppb |
| CO (Carbon Monoxide) | 0.45 ppm |
| PM2.5 (Fine Particles) | 9.7 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 98.3 / 100 |
| Social Vulnerability | 20.3 / 100 |
| Community Resilience | 98.1 / 100 |
Hazard Breakdown
| Tornado |
Very High |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively High |
| Hail |
Very High |
| Strong Wind |
Very High |
| Heat Wave |
Relatively High |
| Winter Weather |
Very High |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Low |
| Cold Wave |
Very High |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.1. Most recent: M2.8 on Apr 25, 2017.
| Feb 9, 1994 |
6 km NNE of Blomkest, Minnesota |
M3.1 |
114 km |
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
116 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
489 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 39 fatalities, 1,172 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 3, 1983 |
EF4 |
20 km |
0 |
| May 6, 1965 |
EF4 |
27 km |
6 |
| May 6, 1965 |
EF4 |
29 km |
3 |
| May 6, 1965 |
EF4 |
47 km |
3 |
| May 6, 1965 |
EF4 |
37 km |
0 |
| May 21, 1957 |
EF4 |
70 km |
0 |
| Jun 19, 1951 |
EF4 |
71 km |
1 |
| May 25, 2008 |
EF3 |
41 km |
1 |
| Jun 18, 2001 |
EF3 |
98 km |
2 |
| Mar 29, 1998 |
EF3 |
100 km |
0 |
| Jul 1, 1997 |
EF3 |
36 km |
0 |
| Jun 16, 1992 |
EF3 |
55 km |
0 |
| Jul 27, 1987 |
EF3 |
96 km |
0 |
| Jul 23, 1987 |
EF3 |
8 km |
0 |
| Apr 26, 1984 |
EF3 |
32 km |
1 |
| Jun 14, 1981 |
EF3 |
47 km |
1 |
| Sep 3, 1980 |
EF3 |
64 km |
1 |
| May 6, 1965 |
EF3 |
73 km |
0 |
| May 24, 1958 |
EF3 |
49 km |
0 |
| Jun 23, 1952 |
EF3 |
78 km |
2 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNIT 4 (5,887 ac, 2002).
| Year |
Name |
Acres |
Distance |
| 2002 |
UNIT 4 |
5,887 |
39 km |
| 2003 |
UNITS 37 38 39 A |
4,879 |
33 km |
| 1998 |
UNITS 1617 |
4,649 |
38 km |
| 2005 |
RX HFR 05 |
4,253 |
38 km |
| 2009 |
BU9 |
4,112 |
40 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
32 km |
| 2000 |
UNIT 25 |
3,412 |
32 km |
| 2009 |
BU11 |
3,242 |
36 km |
| 1997 |
BIG |
2,987 |
35 km |
| 2009 |
UNNAMED |
2,904 |
37 km |
| 2003 |
UNITS 34 33 W |
2,637 |
33 km |
| 2024 |
UNIT 8E RX |
2,551 |
38 km |
| 1992 |
SHARPTAIL |
2,288 |
32 km |
| 1988 |
UNNAMED |
2,243 |
77 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
32 km |
| 1996 |
UNNAMED |
1,906 |
32 km |
| 2000 |
UNNAMED |
1,850 |
86 km |
| 2006 |
UNIT 4 |
1,732 |
40 km |
| 1987 |
UNNAMED |
1,655 |
98 km |
| 2009 |
UNIT 23 24 26 |
1,644 |
35 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
13°F (-11°C) |
0.8 in |
Coldest |
| February |
18°F (-8°C) |
0.8 in |
Driest |
| March |
30°F (-1°C) |
1.7 in |
|
| April |
45°F (7°C) |
2.4 in |
|
| May |
58°F (15°C) |
3.4 in |
|
| June |
67°F (20°C) |
4.4 in |
Wettest |
| July |
72°F (22°C) |
3.9 in |
Warmest |
| August |
69°F (21°C) |
4.0 in |
|
| September |
60°F (15°C) |
3.3 in |
|
| October |
48°F (9°C) |
2.2 in |
|
| November |
31°F (-1°C) |
1.6 in |
|
| December |
17°F (-8°C) |
0.9 in |
|
Rogers has a seasonal temperature swing of 59°F / from 13°F in January to 72°F in July. Total annual precipitation is 29.5 inches, with June being the wettest month (4.4") and February the driest (0.8").
Average costs for common services in Rogers. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$247 ($148–$394) |
| Specialist Visit |
$345 ($197–$542) |
| Urgent Care Visit |
$197 ($99–$345) |
| Emergency Room Visit |
$2,169 ($789–$4,930) |
| Dental Cleaning |
$128 ($74–$197) |
| Dental Filling |
$247 ($148–$394) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$118) |
| Brake Pad Replacement |
$296 ($148–$493) |
| Tire Rotation |
$39 ($20–$74) |
| New Tires (Set of 4) |
$592 ($394–$986) |
| Battery Replacement |
$197 ($99–$345) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59–$148) |
| Electrician (Per Hour) |
$89 ($49–$138) |
| HVAC Repair |
$394 ($148–$789) |
| HVAC System Install |
$6,902 ($3,944–$11,832) |
| Roof Repair |
$986 ($394–$1,972) |
| Roof Replacement |
$8,874 ($5,423–$14,790) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,479 ($493–$3,451) |
| Divorce (Contested) |
$14,790 ($4,930–$29,580) |
| DUI Defense |
$4,930 ($1,972–$9,860) |
| Bankruptcy (Chapter 7) |
$1,479 ($789–$2,958) |
| Will Preparation |
$493 ($197–$986) |
| Trust Preparation |
$2,465 ($986–$4,930) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$44) |
| Women's Haircut |
$54 ($30–$99) |
| Hair Coloring (Full) |
$148 ($74–$247) |
| Manicure |
$25 ($15–$44) |
| Pedicure |
$39 ($25–$64) |
| Massage (1 Hour) |
$79 ($49–$128) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.04 ($2.96–$5.42) |
| Dozen Eggs (per dozen) |
$3.45 ($2.47–$4.93) |
| Loaf of Bread |
$3.75 ($2.47–$5.42) |
| Chicken Breast (per lb) |
$4.44 ($2.96–$6.41) |
| Ground Beef (per lb) |
$5.42 ($3.94–$7.40) |
| Rice (per lb) |
$0.99 ($0.59–$1.77) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79–$247) |
| Natural Gas (Monthly) |
$69 ($30–$148) |
| Water/Sewer (Monthly) |
$69 ($39–$118) |
| Internet (Monthly) |
$69 ($39–$99) |
| Cell Phone Plan (Monthly) |
$64 ($30–$99) |
| Cable TV (Monthly) |
$84 ($49–$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$197 ($74–$493) |
| Car Insurance (Annual) |
$1,972 ($1,183–$3,451) |
| Bus Pass (Monthly) |
$69 ($30–$128) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.89–$25) |
| Car Registration (Annual) |
$99 ($30–$247) |
| Driver's License Renewal |
$30 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,183 ($592–$2,465) |
| Daycare (Toddler, Monthly) |
$986 ($493–$1,972) |
| After-School Care (Monthly) |
$394 ($197–$690) |
| Tutoring (Per Hour) |
$49 ($25–$99) |
| SAT/ACT Prep Course |
$986 ($394–$2,465) |
| Private School (K-12, Annual) |
$12,325 ($4,930–$29,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30–$99) |
| Dog Vaccination (Annual) |
$99 ($49–$197) |
| Dog Grooming |
$59 ($30–$99) |
| Pet Boarding (Per Night) |
$39 ($20–$74) |
| Dog Spay/Neuter |
$296 ($148–$493) |
| Cat Spay/Neuter |
$197 ($99–$394) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,689 |
| Toddler | $1,505 |
| Preschool | $1,338 |
| Family Childcare (monthly) |
| Infant | $888 |
| Toddler | $787 |
| Preschool | $801 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Rogers
What is the population of Rogers?
Rogers has a population of 13,405 residents and is located in Minnesota. The population density is 528 people per square mile, spread across 8.2 square miles. The median age of residents is 36.9 years. The population is 50% female and 50% male.
Is Rogers expensive to live in?
Rogers has a cost of living roughly in line with the national average, with an index of 98.6 (baseline: 100). The median household income is $159,638, 112% above the national average of $75,149. The median home value is $437,900 (55% above the U.S. median). Renters pay a median of $1,550 per month, above the national average of $1,163. The home price-to-income ratio is 2.7x, indicating housing is reasonably affordable relative to local income levels.
Is Rogers safe?
Rogers is considered a very safe city with a violent crime rate of 82 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,677 per 100,000 (below the national average). Overall, Rogers receives a safety grade of F based on combined crime data.
What is the weather like in Rogers?
Rogers has a cool climate with an average annual temperature of 44°F (7°C). Winter temperatures average 13°F in January, while summers reach an average of 72°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 32.9 inches, with 35.7 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Rogers?
The job market in Rogers is very strong, with unemployment at just 0.9% / well below the national rate of 3.6%. The average weekly wage is $1,734. There are 44,785 business establishments in the area, including 3,018 restaurants and food service locations. The average commute time is 27 minutes, and 23.1% of workers work from home.
How much does housing cost in Rogers?
The median home value in Rogers is $437,900. Zillow estimates the typical home value at $454,658. For renters, the median monthly rent is $1,550. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 88.3%. The average annual property tax is $7,736.
How are the schools in Rogers?
Schools in Rogers score 6.2 out of 10 on standardized testing, near the national average. 54.9% of adults in Rogers hold a bachelor's degree or higher, above the national average of 33.7%. 97.2% have completed high school. 19.7% hold a graduate or professional degree.
How healthy is Rogers?
The obesity rate in Rogers is 24.5% (below the national rate of 32.1%). 9.6% of adults are smokers. 14.9% are physically inactive. 27.0% of residents report depression. 5.7% lack health insurance (below the national rate). 99.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:832.
What is transportation like in Rogers?
The average commute in Rogers is 27 minutes. 71.2% of workers drive alone to work, 1.3% use public transit, and 23.1% work from home.
What are the demographics of Rogers?
The racial and ethnic makeup of Rogers is 87.5% White, 4.2% Black or African American, 0.9% Hispanic or Latino. 98.1% of residents speak only English at home. 8.0% of the population are military veterans. 10.2% of residents have a disability. 99.3% have health insurance coverage.