Norman, Oklahoma City (South) & Moore Cities PUMA, OK

Public Use Microdata Area (PUMA)

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2021 Population

292,110

3.52% 1-year growth

US Senator

James Lankford

Republican Party

US Senator

Markwayne Mullin

Republican Party

2021 Median Age

34.8

1.16% 1-year increase

2021 Poverty Rate

12.3%

2.41% 1-year increase

2021 Median Household Income

$67,068

2.53% 1-year growth

2021 Median Property Value

$175,700

2.93% 1-year growth

2021 Employed Population

142,114

3.29% 1-year growth

About

In 2021, Norman, Oklahoma City (South) & Moore Cities PUMA, OK had a population of 292k people with a median age of 34.8 and a median household income of $67,068. Between 2020 and 2021 the population of Norman, Oklahoma City (South) & Moore Cities PUMA, OK grew from 282,189 to 292,110, a 3.52% increase and its median household income grew from $65,412 to $67,068, a 2.53% increase.

The 5 largest ethnic groups in Norman, Oklahoma City (South) & Moore Cities PUMA, OK are White (Non-Hispanic) (70%), Two+ (Non-Hispanic) (7.31%), Black or African American (Non-Hispanic) (4.85%), White (Hispanic) (4.5%), and Asian (Non-Hispanic) (4.33%).

10.5% of the households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK reported speaking a non-English language at home as their primary shared language. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

96.7% of the residents in Norman, Oklahoma City (South) & Moore Cities PUMA, OK are U.S. citizens.

The largest universities in Cleveland County--Norman, Oklahoma City (South) & Moore Cities PUMA, OK are University of Oklahoma-Norman Campus (7,438 degrees awarded in 2021), Moore Norman Technology Center (551 degrees), and Mid-America Christian University (487 degrees).

In 2021, the median property value in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was $175,700, and the homeownership rate was 64.3%.

Most people in Norman, Oklahoma City (South) & Moore Cities PUMA, OK drove alone to work, and the average commute time was 23.6 minutes. The average car ownership in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was 2 cars per household.

Norman, Oklahoma City (South) & Moore Cities PUMA, OK borders Oklahoma City (West) PUMA, OK, Oklahoma City (West Central) PUMA, OK, Oklahoma City (East Central) PUMA, OK, Grady, McClain & Pottawatomie (South) Counties PUMA, OK, and Shawnee City PUMA, OK.

Photo by Paul L. McCord Jr.

United States Oklahoma

Population & Diversity

Norman, Oklahoma City (South) & Moore Cities PUMA, OK is home to a population of 292k people, from which 96.7% are citizens. As of 2021, 6.49% of Norman, Oklahoma City (South) & Moore Cities PUMA, OK residents were born outside of the country (19k people).

In 2021, there were 9.58 times more White (Non-Hispanic) residents (204k people) in Norman, Oklahoma City (South) & Moore Cities PUMA, OK than any other race or ethnicity. There were 21.3k Two+ (Non-Hispanic) and 14.2k Black or African American (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary langauge in households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK are Spanish (15,072 households), Vietnamese (3,442 households), and Chinese (Incl. Mandarin, Cantonese) (2,405 households).

Population & Diversity

Residents by Gender and Age

RACE/ETHNICITY

145,921

Women

50%

145,715

Men

50%

The resident population of United States in 2021 was 291,636 inhabitants, with 50% men, and 50% women.

The visualization shows the distribution of the residents by gender and age in the United States.

With the upper buttons you can add a filter by race.

Citizenship

96.7%

2021 Citizenship

96.8%

2020 Citizenship

As of 2021, 96.7% of Norman, Oklahoma City (South) & Moore Cities PUMA, OK residents were US citizens, which is higher than the national average of 93.4%. In 2020, the percentage of US citizens in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was 96.8%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Norman, Oklahoma City (South) & Moore Cities PUMA, OK compared to that of it's neighboring and parent geographies.

Diversity

Race and Ethnicity

The 3 largest ethnic groups in Norman, Oklahoma City (South) & Moore Cities PUMA, OK

White (Non-Hispanic)
204k ± 693
Two+ (Non-Hispanic)
21.3k ± 1.52k
Black or African American (Non-Hispanic)
14.2k ± 709

9.31%

Hispanic Population

27.2k people

9.31% of the people in Norman, Oklahoma City (South) & Moore Cities PUMA, OK are hispanic (27.2k people).

The following chart shows the 7 races represented in Norman, Oklahoma City (South) & Moore Cities PUMA, OK as a share of the total population.

Global Diversity

Most Common Origin

Mexico
3,178 ± 1,376 people
Vietnam
2,976 ± 1,332 people
China
1,773 ± 1,031 people

In 2021, the most common birthplace for the foreign-born residents of Norman, Oklahoma City (South) & Moore Cities PUMA, OK was Mexico, the natal country of 3,178 Norman, Oklahoma City (South) & Moore Cities PUMA, OK residents, followed by Vietnam with 2,976 and China with 1,773.

Foreign-Born Population

6.49%

2021 Foreign-Born Population

19k people

6.33%

2020 Foreign-Born Population

17.9k people

As of 2021, 6.49% of Norman, Oklahoma City (South) & Moore Cities PUMA, OK residents (19k people) were born outside of the United States, which is lower than the national average of 13.6%. In 2020, the percentage of foreign-born citizens in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was 6.33%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Norman, Oklahoma City (South) & Moore Cities PUMA, OK compared to that of it's neighboring and parent geographies.

Non-English Households

Most Common Non-English Languages

Spanish
15,072 households (5.44%)
Vietnamese
3,442 households (1.24%)
Chinese (Incl. Mandarin, Cantonese)
2,405 households (0.868%)

10.5% of the households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK reported speaking a non-English language at home as their primary shared language, which is lower than the national average of 21.7%. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

In 2021, the most common non-English language spoken in households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was Spanish. 5.44% of the households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK reported speaking Spanish at home as the primary shared language between all members living in the household.

Military

Veterans

Most Common Service Period

Gulf War (2001-)
6,298 ± 654
Vietnam
6,298 ± 579
Gulf War (1990s)
3,869 ± 454

Norman, Oklahoma City (South) & Moore Cities PUMA, OK has a large population of military personnel who served in Gulf War (2001-), 1 times greater than any other conflict.

Economy

The economy of Norman, Oklahoma City (South) & Moore Cities PUMA, OK employs 142k people. The largest industries in Norman, Oklahoma City (South) & Moore Cities PUMA, OK are Restaurants & Food Services (11,317 people), Colleges, universities & professional schools, including junior colleges (8,492 people), and Construction (8,207 people), and the highest paying industries are Medical equipment & supplies manufacturing ($196,627), Oil & gas extraction ($156,288), and Not specified retail trade ($104,759).

Males in Norman, Oklahoma City (South) & Moore Cities PUMA, OK have an average income that is 1.4 times higher than the average income of females, which is $47,168. The income inequality in Norman, Oklahoma City (South) & Moore Cities PUMA, OK (measured using the Gini index) is 0.45, which is lower than than the national average.

Employment

Workforce Diversity

Measure

RACE/ETHNICITY

64,517

Women

46.9%

73,064

Men

53.1%

The workforce of Norman, Oklahoma City (South) & Moore Cities PUMA, OK in 2020 was 137,581 people, with 46.9% woman, and 53.1% men.

The visualization shows the distribution of the workforce by gender and age in Norman, Oklahoma City (South) & Moore Cities PUMA, OK.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

Occupations

142k

2021 Value

3.29%

1 Year growth

± 3.29%

From 2020 to 2021, employment in Norman, Oklahoma City (South) & Moore Cities PUMA, OK grew at a rate of 3.29%, from 138k employees to 142k employees.

The most common job groups, by number of people living in Norman, Oklahoma City (South) & Moore Cities PUMA, OK, are Retail salespersons (4,195 people), Elementary & middle school teachers (3,679 people), and Secretaries and administrative assistants, except legal, medical, and executive (3,553 people). This chart illustrates the share breakdown of the primary jobs held by residents of Norman, Oklahoma City (South) & Moore Cities PUMA, OK.

Unemployment Insurance Claims

Data is only available at the state level. Showing data for false.

This chart shows weekly unemployment insurance claims in Oklahoma (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

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Industries

Employment by Industries

142k

2021 Value

3.29%

1 Year growth

± 3.29%

From 2020 to 2021, employment in Norman, Oklahoma City (South) & Moore Cities PUMA, OK grew at a rate of 3.29%, from 138k employees to 142k employees.

The most common employment sectors for those who live in Norman, Oklahoma City (South) & Moore Cities PUMA, OK, are Restaurants & Food Services (11,317 people), Colleges, universities & professional schools, including junior colleges (8,492 people), and Construction (8,207 people). This chart shows the share breakdown of the primary industries for residents of Norman, Oklahoma City (South) & Moore Cities PUMA, OK, though some of these residents may live in Norman, Oklahoma City (South) & Moore Cities PUMA, OK and work somewhere else. Census data is tagged to a residential address, not a work address.

Median Earnings by Industry

$45,939

Median earning men ± $1,465

$32,133

Median earning women ± $923

The industries with the best median earnings for men in 2021 are Agriculture, Forestry, Fishing & Hunting, & Mining ($68,542), Public Administration ($66,992), and Wholesale Trade ($56,987).

The industries with the best median earnings for women in 2021 are Public Administration ($52,959), Transportation & Warehousing, & Utilities ($41,817), and Finance & Insurance, & Real Estate & Rental & Leasing ($40,441).

Employment by Industry Sector

Data is only available at the state level. Showing data for false.

Y-Axis

2.75%

Year-over-year growth

Employment change between February 2022 and February 2023

As of February 2023, there are 155M people employed in Oklahoma. This represents a 2.75% increase in employment when compared to February 2022.

The following chart shows monthly employment numbers for each industry sector in Oklahoma.

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Civics

In the 2020 presidential election, the popular vote in Oklahoma went to Donald J. Trump with 65.4% of the vote. The runner-up was Joseph R Biden Jr. (32.3%), followed by Jo Jorgensen (1.58%).

James Lankford and Markwayne Mullin are the senators currently representing the state of Oklahoma. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Oklahoma is currently represented by 5 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Presidential Popular Vote Over Time

Voting results are not available for Norman, Oklahoma City (South) & Moore Cities PUMA, OK. Showing the available data for Oklahoma.

2020 Election Results

Donald J. Trump (65.4%)
Republican Party
Joseph R Biden Jr. (32.3%)
Democratic Party
Jo Jorgensen (1.58%)
Libertarian Party

In the 2020 presidential election, the popular vote in Oklahoma went to Donald J. Trump with 65.4% of the vote. The runner-up was Joseph R Biden Jr. (32.3%), followed by Jo Jorgensen (1.58%).

The following chart shows the popular vote results in Oklahoma for each registered party from 1976 to 2020.

Senator Elections

US Senators from Oklahoma

Senatorial voting results are only available at the state level. Showing data for Oklahoma.

James Lankford

Senator from Oklahoma

Assumed office on January 3, 2015
Elected to the seat following the resignation of Tom Coburn.

Markwayne Mullin

Senator from Oklahoma

Assumed office on January 3, 2023
Elected to the seat following the resignation of Jim Inhofe.

James Lankford and Markwayne Mullin are the senators currently representing Oklahoma.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in Oklahoma over time, excluding special elections, colored by their political party.

US Representative Elections

US Representatives from Oklahoma

Oklahoma is currently represented by 5 members in the U.S. house.

Members of the House of Representives are elected to 2-year terms, and the following chart shows the how the members for Oklahoma have changed over time starting in 2008.

Education

In 2021, universities in Norman, Oklahoma City (South) & Moore Cities PUMA, OK awarded 8,665 degrees. The student population of Norman, Oklahoma City (South) & Moore Cities PUMA, OK in 2021 is skewed towards women, with 15,362 male students and 16,757 female students.

Most students graduating from Universities in Norman, Oklahoma City (South) & Moore Cities PUMA, OK are White (5,012 and 61%), followed by Hispanic or Latino (1,001 and 12.2%), Two or More Races (647 and 7.88%), and Black or African American (512 and 6.23%).

The largest universities in Norman, Oklahoma City (South) & Moore Cities PUMA, OK by number of degrees awarded are University of Oklahoma-Norman Campus (7,438 and 85.8%), Moore Norman Technology Center (551 and 6.36%), and Mid-America Christian University (487 and 5.62%).

The most popular majors in Cleveland County--Norman, Oklahoma City (South) & Moore Cities PUMA, OK are Liberal Arts & Sciences (373 and 4.3%), Accounting (362 and 4.18%), and General Psychology (358 and 4.13%).

The median tuition costs in Cleveland County--Norman, Oklahoma City (South) & Moore Cities PUMA, OK are $14,384 for private four year colleges, and $4,920 and $20,724 respectively, for public four year colleges for in-state students and out-of-state students.

Admissions & Enrollments

Applicants, Admissions & Enrolled

University

Measure

In 2021 in Norman, Oklahoma City (South) & Moore Cities PUMA, OK, the percentage of applicants admitted was 84.9%, while the percentage of admitted who enrolled was 31.1%. The number of students enrolled in 2021 was 32,119 (47.8% men and 52.2% women).

The line chart shows the evolution of the percentage of applicants admitted, admitted who enrolled or the number of students enrolled according to the option selected in the upper button.

Enrollments by Gender and Races

Universities

In 2021 there were 32,119 students enrolled in Norman, Oklahoma City (South) & Moore Cities PUMA, OK, 47.8% men and 52.2% women.

By race, the largest number of students enrolled was concentrated in White with 17,937 records, of which 52.1% were women and 47.9% men.

Completions

Concentrations

Most Common

General Finance
232 degree-majors awarded
General Psychology
338 degree-majors awarded
Accounting
275 degree-majors awarded

In 2021, the most common concentation for Bachelors Degree recipients in Cleveland County--Norman, Oklahoma City (South) & Moore Cities PUMA, OK was General Finance with 232 degrees awarded.

This visualization illustrates the percentage of students graduating with a Bachelors Degree from schools in Cleveland County--Norman, Oklahoma City (South) & Moore Cities PUMA, OK according to their major.

Universities

Gender

Race

Largest Universities by degrees awarded

University of Oklahoma-Norman Campus
7,438 degrees awarded
Moore Norman Technology Center
551 degrees awarded
Mid-America Christian University
487 degrees awarded

In 2021, the institution with the largest number of graduating students was University of Oklahoma-Norman Campus with 7,438 degrees awarded.

Student Diversity

University

In 2021, 4,057 men were awarded degrees from institutions in Norman, Oklahoma City (South) & Moore Cities PUMA, OK, which is 0.88 times less than the 4,608 female students who received degrees in the same year.

In 2021 the most common race/ethnicity group awarded degrees at institutions was White students. These 5,012 degrees mean that there were 5.01 times more degrees awarded to White students then the next closest race/ethnicity group, Hispanic or Latino, with 1,001 degrees awarded.

Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

Tuition

Average Net Price by Sector

Universities

Private not-for-profit, 4-year or above ($14,384) is the sector with the highest median state tuition in 2021.

Public, 4-year or above ($4,392) is the sector with the highest median state fee in 2021.

Private not-for-profit, 4-year or above ($1,236) is the sector with the highest average net price of books and supplies.

The graph shows the average net price by sector and year.

Working Population

Educational Pyramid

Measure

In 2021, 0.711% of men over 25 years of age had not completed any academic degree (no schooling), while 0.638% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

Educational Attainment

Race

The most common educational levels obtained by the working population of Norman, Oklahoma City (South) & Moore Cities PUMA, OK in 2021 were Some college (66.9k), High School or Equivalent (60.2k), and Bachelors Degree (42.5k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

Housing & Living

The median property value in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was $175,700 in 2021, which is 0.717 times smaller than the national average of $244,900. Between 2020 and 2021 the median property value increased from $170,700 to $175,700, a 2.93% increase. The homeownership rate in Norman, Oklahoma City (South) & Moore Cities PUMA, OK is 64.3%, which is approximately the same as the national average of 64.6%.

People in Norman, Oklahoma City (South) & Moore Cities PUMA, OK have an average commute time of 23.6 minutes, and they drove alone to work. Car ownership in Norman, Oklahoma City (South) & Moore Cities PUMA, OK is approximately the same as the national average, with an average of 2 cars per household.

Median household income in Norman, Oklahoma City (South) & Moore Cities PUMA, OK is $67,068. In 2021, the PUMA with the highest Median Household Income in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was Edmond & Oklahoma City (North Central) Cities PUMA, OK with a value of $80,925, followed by Oklahoma City (West) PUMA, OK and Claremore City PUMA, OK, with respective values of $76,973 and $74,853.

Housing

Property

$175,700

Median Property Value 2021

±$3,527

$72,349

Median Property Taxes

±$2,279

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Norman, Oklahoma City (South) & Moore Cities PUMA, OK the largest share of households pay taxes in the $800 - $1,499 range.

The chart underneath the paragraph shows the property taxes in Norman, Oklahoma City (South) & Moore Cities PUMA, OK compared to it's parent and neighbor geographies.

Rent vs Own

64.3%

Homeownership

2021

68.4%

Homeowners with Mortgage

2021

In 2021, 64.3% of the housing units in Norman, Oklahoma City (South) & Moore Cities PUMA, OK were occupied by their owner. This percentage grew from the previous year's rate of 64.1%.

This chart shows the percentage of owner in Norman, Oklahoma City (South) & Moore Cities PUMA, OK compared it's parent and neighboring geographies.

Equity

Income by Location

Use the dropdown to filter by race/ethnicity.

Race/Ethnicity

Highest Median Household Income (Total)

In 2021, the PUMA with the highest Median Household Income (Total) in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was Edmond & Oklahoma City (North Central) Cities PUMA, OK with a value of $80,925, followed by Oklahoma City (West) PUMA, OK and Claremore City PUMA, OK, with respective values of $76,973 and $74,853.

The following map shows all of the PUMAs in Norman, Oklahoma City (South) & Moore Cities PUMA, OK colored by their Median Household Income (Total).

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$67,068

Median Household Income

± $1,579

112k

Number of Households

± 2,777

In 2021, the median household income of the 112k households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK grew to $67,068 from the previous year's value of $65,412.

The following chart displays the households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $75k - $100k range.

Wage Distribution

0.45

2021 Wage GINI in Norman, Oklahoma City (South) & Moore Cities PUMA, OK

0.455

2020 Wage GINI in Norman, Oklahoma City (South) & Moore Cities PUMA, OK

In 2021, the income inequality in Norman, Oklahoma City (South) & Moore Cities PUMA, OK was 0.45 according to the GINI calculation of the wage distribution. Income inequality had a 1.17% decline from 2020 to 2021, which means that wage distribution grew somewhat more even. The GINI for Norman, Oklahoma City (South) & Moore Cities PUMA, OK was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Norman, Oklahoma City (South) & Moore Cities PUMA, OK in comparison to the national average.

This chart shows the number of workers in Norman, Oklahoma City (South) & Moore Cities PUMA, OK across various wage buckets compared to the national average.

Transportation

Commuter Transportation

Most Common Commute in 2021

Drove Alone (79.3%)
Carpooled (9.24%)
Worked At Home (7.17%)

In 2021, 79.3% of workers in Norman, Oklahoma City (South) & Moore Cities PUMA, OK drove alone to work, followed by those who carpooled to work (9.24%) and those who worked at home (7.17%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Commute Time

23.6 minutes

Average Travel Time

Using averages, employees in Norman, Oklahoma City (South) & Moore Cities PUMA, OK have a shorter commute time (23.6 minutes) than the normal US worker (26.8 minutes). Additionally, 1.53% of the workforce in Norman, Oklahoma City (South) & Moore Cities PUMA, OK have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Norman, Oklahoma City (South) & Moore Cities PUMA, OK compares to that of it's neighboring and parent geographies.

Car Ownership

2 cars

Average Number

The following chart displays the households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Norman, Oklahoma City (South) & Moore Cities PUMA, OK have 2 cars.

Poverty

Poverty & Diversity

12.3% of the population for whom poverty status is determined in Norman, Oklahoma City (South) & Moore Cities PUMA, OK (34.6k out of 281k people) live below the poverty line, a number that is lower than the national average of 12.6%. The largest demographic living in poverty are Females 18 - 24, followed by Males 18 - 24 and then Females 25 - 34.

The most common racial or ethnic group living below the poverty line in Norman, Oklahoma City (South) & Moore Cities PUMA, OK is White, followed by Two Or More and Hispanic.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Health

89.7% of the population of Norman, Oklahoma City (South) & Moore Cities PUMA, OK has health coverage, with 50.9% on employee plans, 10.1% on Medicaid, 9.72% on Medicare, 16% on non-group plans, and 2.9% on military or VA plans.

Coverage

Health Care Diversity

In 2021, insured persons according to age ranges were distributed in 23.6% under 18 years, 26.8% between 18 and 34 years, 36% between 35 and 64 years, and 13.7% over 64 years.

By gender, of the total number of insured persons, 48.7% were men and 51.3% were women.

The following chart shows the number of people with health coverage by gender.

Uninsured People

10.3%

Uninsured

50.9%

Employer Coverage

10.1%

Medicaid

9.72%

Medicare

16%

Non-Group

2.9%

Military or VA

Between 2020 and 2021, the percent of uninsured citizens in Norman, Oklahoma City (South) & Moore Cities PUMA, OK declined by 0.881% from 10.4% to 10.3%.

The following chart shows how the percent of uninsured individuals in Norman, Oklahoma City (South) & Moore Cities PUMA, OK changed over time compared with the percent of individuals enrolled in various types of health insurance.