Median Income
$99,107
32% higher than US avg
Home Value
$777,500
176% higher than US avg
Bachelor's+
66.8%
98% higher than US avg
Median Rent
$1,050
10% lower than US avg
Obesity Rate
29.1%
9% lower than US avg
Unemployment
4.1%
14% higher than US avg
Poverty Rate
9.9%
20% lower than US avg
How Trinidad Compares to the U.S. Average (100% = U.S. avg)
People
Population424
Median Age60.0 yrs
Density865/mi²
Male / Female56% / 44%
Largest GroupWhite 84%
Veterans5.6%
Economy
A
Median Income$99,107
Per Capita$67,311
Unemployment4.1%
Poverty9.9%
County GDP$7,591M
Commute35 min
Housing
C
Home Value$777,500
Rent$1,050
Ownership85.5%
Zillow$576,474
Housing Units280
Rent Burden28.8%
Health
Obesity29.1%
Uninsured4.5%
Smoking11.7%
Depression26.7%
Heart Disease5.0%
Climate
Avg Temp53°F (11°C)
AQI38 (Good)
Rain46.1 in/yr
Elevation51 ft (16 m)
Education
A+
Bachelor's+66.8%
High School+95.7%
Graduate+31.7%
School Score4.55
Community
2024 VoteR 34% / D 62%
Commute35 min
Broadband89.9%
EV Stations3
Libraries13
Is Trinidad a Good Place to Live?
Based on current data, Trinidad receives an overall livability score of 3.9 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, a highly educated population, high health insurance coverage. Areas to be aware of include high housing costs. Trinidad offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Trinidad is $99,107, which is significantly higher than the national average / 32% above $75,149. This places Trinidad among higher-income communities. Unemployment stands at 4.1%, indicating a healthy job market. 9.9% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 35 minutes.
Cost of Living & Housing
The median home value in Trinidad is $777,500, making it a premium housing market at 176% above the U.S. median of $281,900. Renters pay a median of $1,050 per month, below the national average / a plus for affordability. With a home price-to-income ratio of 7.8x, housing affordability is a significant challenge for many families.
Education
Trinidad is a highly educated community / 66.8% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 95.7% have completed high school. Area schools have an average test score of 4.5/10.
Climate & Weather
Trinidad experiences four distinct seasons with an average temperature of 53°F. Winters average 48°F in January while summers reach 57°F in July. Annual precipitation totals 46.1 inches. Air quality is rated Good with a median AQI of 38.
Trinidad has a population of 424 with a density of 865 people per square mile, spread across 0.5 square miles. The median age is 60.0 years, 54% older than the national median of 38.9. The gender split is 44.1% female and 55.9% male. The city is predominantly White (83.7%), with 16.3% Hispanic. English is the primary language spoken at home by 95% of residents. 5.6% of the population are veterans. 18.2% of residents have a disability (above the 13.0% national average). 95.5% have health insurance coverage.
Population
424
Total Population
2023 Census
60.0yrs
Median Age
54% above US avg
Language Spoken at Home
English Only
95.0%
21% above US avg
Spanish
4.0%
70% below US avg
The median household income in Trinidad is $99,107, which is 32% above the national average of $75,149. Per capita income is $67,311 (above the $39,052 national figure). The average weekly wage is $1,062, 26% lower than the U.S. average. The unemployment rate is 4.1% (above the 3.6% US average). 9.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 7,685 business establishments, including 393 restaurants. The cost of living index is 110.7, slightly above the national baseline of 100. Workers commute an average of 35 minutes (longer than the 28-minute US average). 22.7% of workers work from home (above the 15.2% national rate).
Income
| Median HH Income | $99,107 |
| 32% above US avg |
| Per Capita Income | $67,311 |
| Avg Weekly Wage | $1,062 |
| IRS Avg AGI | $64,241 |
| Gini Index | 0.481 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.1% |
| 14% above US avg |
| Poverty Rate | 9.9% |
| 20% below US avg |
| Establishments (County) | 7,685 |
| County GDP | $7,591M |
Business (County)
| Restaurants | 393 |
| Healthcare | 384 |
| Retail | 538 |
| Manufacturing | 123 |
Tax & Cost of Living
| Property Tax (IRS) | $4,760 |
| 36% above US avg |
| Cost of Living | 110.70 (100=avg) |
| Effective Tax Rate | 0.61% |
Commute & Transportation
| Commute Time | 34.9 min |
| Drive Alone | 71.2% |
| Public Transit | 3.1% |
| Work from Home | 22.7% |
The median home value in Trinidad is $777,500, 176% above the national median of $281,900. Zillow estimates the typical home value at $576,474, lower than the Census estimate. According to Redfin, the median sale price is $943,000 with homes selling in an average of 118 days. Homes sell for 94.4% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,050 (10% below the national average of $1,163). Fair market rent ranges from $1,647 for a one-bedroom to $2,053 for a two-bedroom apartment. 85.5% of housing units are owner-occupied (above the 65.4% national rate). There are 280 total housing units in the city. The median year a home was built is 1969. The average annual property tax is $4,760 (higher than the $3,500 national average). 28.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 7.8x, making homeownership a significant financial stretch for most families.
Home Values
| Census Median | $777,500 |
| 176% above US avg |
| Zillow ZHVI | $576,474 |
| Redfin Median Sale | $943,000 |
Real Estate Market (Redfin)
| Median Sale Price | $943,000 |
| $/Sq Ft | $380 |
| Homes Sold | 1 |
| Days on Market | 118 days |
| Sale-to-List Ratio | 94.4% |
| Price Drops | 100.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $1,050 |
| 10% below US avg |
| Rent Burden | 28.8% |
HUD Fair Market Rent
| Studio | $1,513 |
| 1 Bedroom | $1,647 |
| 2 Bedrooms | $2,053 |
| 3 Bedrooms | $2,752 |
| 4 Bedrooms | $3,165 |
Ownership & Property
| Homeownership | 85.5% |
| Owner-Occupied | 85.5% |
| Renter-Occupied | 14.5% |
| Housing Units | 280 |
| Median Year Built | 1969 |
Property Tax
| Avg Tax (IRS) | $4,760 |
| 36% above US avg |
| Effective Rate | 0.61% |
In Trinidad, 29.1% of adults are obese, below the national rate of 32.1%. 7.9% have diabetes (below the 10.5% national rate). Heart disease affects 5.0% of residents. 27.3% have high blood pressure. 11.7% are current smokers. 20.4% report binge drinking. 17.4% are physically inactive, below the national average. 26.7% report depression (above the 20.0% national average). 18.9% experience frequent mental distress. 4.5% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,642. The dentist ratio is 1:1,216. 88.3% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: Trinidad vs U.S. Average (%)
Chronic Conditions
| Obesity | 29.1% |
| 9% below US avg |
| Diabetes | 7.9% |
| Heart Disease | 5.0% |
| High Blood Pressure | 27.3% |
| Asthma | 10.9% |
| COPD | 5.3% |
| Cancer | 7.7% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 11.7% |
| 16% below US avg |
| Binge Drinking | 20.4% |
| Physical Inactivity | 17.4% |
| Depression | 26.7% |
| Mental Distress | 18.9% |
| Physical Distress | 12.1% |
| Short Sleep | 33.9% |
Healthcare Access
| Insurance Rate | 95.5% |
| Uninsured | 4.5% |
| 48% below US avg |
| Primary Care | 1:1,642 |
| Dentists | 1:1,216 |
| Mental Health | 1:160 |
| Checkup Rate | 70.1% |
| Dental Visits | 64.5% |
| Premature Death | 9,668/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 88.3% |
| Healthcare Facilities | 384 |
Trinidad experiences four distinct seasons with an average annual temperature of 53°F (11°C). Winters average 48°F in January while summers reach 57°F in July / relatively mild seasonal variation. Annual precipitation totals 46.1 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 38. 73% of days have good air quality. The city sits at an elevation of 51 feet.
Temperature
48°F Jan (9°C)
57°F Jul (14°C)
| Annual Average | 52.5°F |
| 3% below US avg |
| January Average | 48°F (9°C) |
| July Average | 57°F (14°C) |
Geography
| Elevation | 51 ft (16 m) |
| Area | 0.5 sq mi (1.3 km²) |
| Population Density | 865/sq mi |
| Coordinates | 41.0577°N, 124.1433°W |
| Timezone | America/Los_Angeles |
| County | Humboldt County County |
| Nearest Airport | Redding Regional (RDD)
104 miles away |
Precipitation & Snow
Annual Rainfall
46.1"
21% above US avg
Wettest Month (Dec)
8.95"
Air Quality
| AQI Median | 38.0 |
| Rating | Good |
| Good Days % | 72.7% |
| Unhealthy Days | 0 |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0303 ppm |
| NO₂ (Nitrogen Dioxide) | 3.1 ppb |
| SO₂ (Sulfur Dioxide) | 0.31 ppb |
| CO (Carbon Monoxide) | 0.23 ppm |
| PM2.5 (Fine Particles) | 10.4 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 96.8 / 100 |
| Social Vulnerability | 74.7 / 100 |
| Community Resilience | 56.4 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Relatively High |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively High |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
No Rating |
| Landslide |
Relatively High |
| Coastal Flood |
Relatively High |
| Tsunami |
Relatively High |
| Volcano |
No Rating |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
5,091 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M7.2. Most recent: M2.7 on Aug 23, 2025.
| Apr 25, 1992 |
The 1992 Petrolia, California Earthquake |
M7.2 |
81 km |
| Sep 1, 1994 |
121 km W of Ferndale, California |
M7.1 |
149 km |
| Mar 10, 2014 |
77 km WNW of Indianola, California |
M6.8 |
87 km |
| Feb 19, 1995 |
126 km W of Ferndale, California |
M6.6 |
145 km |
| Apr 26, 1992 |
32 km SW of Ferndale, California |
M6.6 |
83 km |
| Jan 10, 2010 |
The 2010 Eureka, California Earthquake |
M6.5 |
65 km |
| Apr 26, 1992 |
30 km WSW of Ferndale, California |
M6.5 |
78 km |
| Aug 17, 1991 |
30 km SSW of Scotia, California |
M6.0 |
90 km |
| Feb 4, 2010 |
61 km WSW of Ferndale, California |
M5.9 |
100 km |
| Mar 9, 2020 |
69km W of Petrolia, CA |
M5.8 |
109 km |
| Jan 28, 2015 |
40 km SW of Ferndale, California |
M5.7 |
91 km |
| Mar 16, 2000 |
85 km WSW of Ferndale, California |
M5.7 |
119 km |
| Feb 13, 2012 |
26 km NNW of Willow Creek, California |
M5.6 |
31 km |
| Jan 22, 1997 |
33 km SW of Scotia, California |
M5.6 |
89 km |
| Jun 23, 2019 |
6km SSW of Petrolia, CA |
M5.6 |
88 km |
| May 21, 2023 |
108km W of Petrolia, CA |
M5.6 |
142 km |
| Oct 4, 1997 |
100 km WNW of Samoa, California |
M5.5 |
101 km |
| Feb 26, 2007 |
51 km W of Ferndale, California |
M5.4 |
76 km |
| Jan 13, 2001 |
off the coast of Northern California |
M5.4 |
99 km |
| Feb 26, 2007 |
52km W of Ferndale, CA |
M5.4 |
77 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
8 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2.
| Date |
Rating |
Distance |
Fatalities |
| Mar 29, 1958 |
EF2 |
13 km |
0 |
| Dec 30, 1992 |
EF1 |
77 km |
0 |
| Dec 11, 1992 |
EF1 |
77 km |
0 |
| Jan 25, 2018 |
EF0 |
28 km |
0 |
| Jan 20, 1996 |
EF0 |
77 km |
0 |
| Jan 20, 1996 |
EF0 |
99 km |
0 |
| May 13, 1960 |
EF0 |
56 km |
0 |
| Jan 10, 1958 |
EF0 |
77 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Tsunami History
4 tsunamis recorded within 500 km.
Highest wave on record: 3.1 m (10 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1873 |
N. CALIFORNIA |
Eruption + Earthquake |
3.1 m |
- |
106 km |
| 1992 |
CAPE MENDOCINO, N. CALIFORNIA |
Earthquake |
1.8 m |
- |
78 km |
| 2024 |
CAPE MENDOCINO, N. CALIFORNIA |
Earthquake |
0.1 m |
- |
106 km |
| 1994 |
N. CALIFORNIA |
Earthquake |
0.1 m |
- |
149 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Nearby Volcanoes
1 volcano within 200 km.
Closest: Shasta (168 km).
| Name |
Type |
Elevation |
Last Eruption |
Distance |
| Shasta |
Stratovolcano |
4,317 m (14,163 ft) |
1250 |
168 km |
Source: Smithsonian Institution Global Volcanism Program (GVP). Sorted by distance.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: MONUMENT (226,125 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
MONUMENT |
226,125 |
83 km |
| 2021 |
HAYPRESS |
204,549 |
98 km |
| 2020 |
RED SALMON COMPLEX |
147,535 |
62 km |
| 1999 |
MEGRAM- ORLEANS |
125,337 |
60 km |
| 2006 |
PIGEON |
100,962 |
80 km |
| 2008 |
SISKIYOU-BLUE 2 COMPLEX (BLUE 2) |
100,823 |
74 km |
| 2021 |
MCCASH |
95,762 |
87 km |
| 2017 |
OAK |
95,692 |
90 km |
| 2023 |
KELLY |
90,267 |
98 km |
| 2015 |
RIVER COMPLEX |
78,531 |
67 km |
| 2008 |
PANTHER |
71,448 |
83 km |
| 1987 |
KING TITUS |
71,390 |
90 km |
| 2017 |
ISLAND |
62,931 |
94 km |
| 1987 |
YELLOW 2 |
53,626 |
80 km |
| 2008 |
BEAR WALLOW COMPLEX (UKONOM) |
40,029 |
77 km |
| 2023 |
MOSQUITO |
36,111 |
61 km |
| 2015 |
ROUTE COMPLEX |
35,444 |
72 km |
| 2014 |
WHITES |
34,506 |
97 km |
| 2008 |
IRON AND ALPS COMPLEXES (EAGLE) |
32,397 |
91 km |
| 2015 |
PATTISON |
31,129 |
73 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
48°F (9°C) |
7.5 in |
|
| February |
49°F (9°C) |
6.5 in |
|
| March |
49°F (9°C) |
6.3 in |
|
| April |
50°F (10°C) |
4.1 in |
|
| May |
53°F (12°C) |
2.1 in |
|
| June |
56°F (13°C) |
1.0 in |
|
| July |
57°F (14°C) |
0.2 in |
Driest |
| August |
58°F (14°C) |
0.3 in |
Warmest |
| September |
57°F (14°C) |
0.9 in |
|
| October |
54°F (12°C) |
2.7 in |
|
| November |
51°F (10°C) |
5.7 in |
|
| December |
48°F (9°C) |
9.0 in |
Coldest, Wettest |
Trinidad has a seasonal temperature swing of 10°F / from 48°F in December to 58°F in August. Total annual precipitation is 46.1 inches, with December being the wettest month (9.0") and July the driest (0.2").
Average costs for common services in Trinidad. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$277 ($166-$443) |
| Specialist Visit |
$387 ($221-$609) |
| Urgent Care Visit |
$221 ($111-$387) |
| Emergency Room Visit |
$2,435 ($886-$5,535) |
| Dental Cleaning |
$144 ($83-$221) |
| Dental Filling |
$277 ($166-$443) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$50 ($28-$83) |
| Oil Change (Synthetic) |
$83 ($55-$133) |
| Brake Pad Replacement |
$332 ($166-$554) |
| Tire Rotation |
$44 ($22-$83) |
| New Tires (Set of 4) |
$664 ($443-$1,107) |
| Battery Replacement |
$221 ($111-$387) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$111 ($66-$166) |
| Electrician (Per Hour) |
$100 ($55-$155) |
| HVAC Repair |
$443 ($166-$886) |
| HVAC System Install |
$7,749 ($4,428-$13,284) |
| Roof Repair |
$1,107 ($443-$2,214) |
| Roof Replacement |
$9,963 ($6,089-$16,605) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,661 ($554-$3,875) |
| Divorce (Contested) |
$16,605 ($5,535-$33,210) |
| DUI Defense |
$5,535 ($2,214-$11,070) |
| Bankruptcy (Chapter 7) |
$1,661 ($886-$3,321) |
| Will Preparation |
$554 ($221-$1,107) |
| Trust Preparation |
$2,768 ($1,107-$5,535) |
View all 12 services
Personal Care
| Men's Haircut |
$28 ($17-$50) |
| Women's Haircut |
$61 ($33-$111) |
| Hair Coloring (Full) |
$166 ($83-$277) |
| Manicure |
$28 ($17-$50) |
| Pedicure |
$44 ($28-$72) |
| Massage (1 Hour) |
$89 ($55-$144) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.54 ($3.32-$6.09) |
| Dozen Eggs (per dozen) |
$3.87 ($2.77-$5.54) |
| Loaf of Bread |
$4.21 ($2.77-$6.09) |
| Chicken Breast (per lb) |
$4.98 ($3.32-$7.20) |
| Ground Beef (per lb) |
$6.09 ($4.43-$8.30) |
| Rice (per lb) |
$1.11 ($0.66-$1.99) |
View all 20 services
Utilities
| Electricity (Monthly) |
$155 ($89-$277) |
| Natural Gas (Monthly) |
$77 ($33-$166) |
| Water/Sewer (Monthly) |
$77 ($44-$133) |
| Internet (Monthly) |
$77 ($44-$111) |
| Cell Phone Plan (Monthly) |
$72 ($33-$111) |
| Cable TV (Monthly) |
$94 ($55-$166) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$221 ($83-$554) |
| Car Insurance (Annual) |
$2,214 ($1,328-$3,875) |
| Bus Pass (Monthly) |
$77 ($33-$144) |
| Taxi/Uber (5-Mile Ride) |
$17 ($8.86-$28) |
| Car Registration (Annual) |
$111 ($33-$277) |
| Driver's License Renewal |
$33 ($17-$83) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,328 ($664-$2,768) |
| Daycare (Toddler, Monthly) |
$1,107 ($554-$2,214) |
| After-School Care (Monthly) |
$443 ($221-$775) |
| Tutoring (Per Hour) |
$55 ($28-$111) |
| SAT/ACT Prep Course |
$1,107 ($443-$2,768) |
| Private School (K-12, Annual) |
$13,838 ($5,535-$33,210) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$66 ($33-$111) |
| Dog Vaccination (Annual) |
$111 ($55-$221) |
| Dog Grooming |
$66 ($33-$111) |
| Pet Boarding (Per Night) |
$44 ($22-$83) |
| Dog Spay/Neuter |
$332 ($166-$554) |
| Cat Spay/Neuter |
$221 ($111-$443) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,586 |
| Toddler | $1,003 |
| Preschool | $830 |
| Family Childcare (monthly) |
| Infant | $1,094 |
| Toddler | $952 |
| Preschool | $884 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Trinidad
What is the population of Trinidad?
Trinidad has a population of 424 residents and is located in California. The population density is 865 people per square mile, spread across 0.5 square miles. The median age of residents is 60.0 years, which is older than the national median of 38.9 years. The population is 44.1% female and 55.9% male.
Is Trinidad expensive to live in?
Trinidad is slightly more expensive than average, with a cost of living index of 110.7 compared to the national baseline of 100. The median household income is $99,107, 32% above the national average of $75,149. The median home value is $777,500 (176% above the U.S. median). Renters pay a median of $1,050 per month. The home price-to-income ratio is 7.8x, which means housing is a stretch relative to local earnings.
What is the weather like in Trinidad?
Trinidad has a four-season climate with an average annual temperature of 53°F (11°C). Winter temperatures average 48°F in January, while summers reach an average of 57°F in July. Annual rainfall totals 46.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 38.
How is the job market in Trinidad?
Trinidad has a healthy job market with an unemployment rate of 4.1%, near the national average of 3.6%. The average weekly wage is $1,062. There are 7,685 business establishments in the area, including 393 restaurants and food service locations. The average commute time is 35 minutes, and 22.7% of workers work from home.
How much does housing cost in Trinidad?
The median home value in Trinidad is $777,500. Zillow estimates the typical home value at $576,474. According to Redfin, the median sale price is $943,000, with homes typically selling within 118 days. For renters, the median monthly rent is $1,050. Fair market rent is $1,647 for a 1-bedroom and $2,053 for a 2-bedroom apartment. The homeownership rate is 85.5%. The average annual property tax is $4,760.
How are the schools in Trinidad?
Schools in Trinidad have an average test score of 4.5 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 66.8% of adults in Trinidad hold a bachelor's degree or higher, above the national average of 33.7%. 95.7% have completed high school. 31.7% hold a graduate or professional degree.
How healthy is Trinidad?
The obesity rate in Trinidad is 29.1% (below the national rate of 32.1%). 11.7% of adults are smokers. 17.4% are physically inactive. 26.7% of residents report depression. 4.5% lack health insurance (below the national rate). 88.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,642.
What is transportation like in Trinidad?
The average commute in Trinidad is 35 minutes, longer than the national average of 28 minutes. 71.2% of workers drive alone to work, 3.1% use public transit, and 22.7% work from home.
What are the demographics of Trinidad?
The racial and ethnic makeup of Trinidad is 83.7% White, 16.3% Hispanic or Latino. 95% of residents speak only English at home, while 4% speak Spanish. 5.6% of the population are military veterans. 18.2% of residents have a disability. 95.5% have health insurance coverage.