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While it's true that premiums for the popular silver Obamacare plan could shoot higher for 2018, most enrollees will actually end up paying less for coverage next year.In fact, more consumers will be able to snag policies that will cost them nothing each month.How can that be?It's because premium subsidies are soaring too, making many plans on the exchanges more affordable.The Trump administration, however, is stressing how much premiums will rise, saying this is yet another sign that Obamacare is irreparably broken. They are downplaying the fact that the subsidies will cover most, if not all, of the cost.Obamacare advocates worry that consumers will be scared off by the news that premiums are skyrocketing for next year. They plan to highlight the fact that many people will be able to find lower-premium policies thanks to the subsidies.Even the Trump administration found that Obamacare plans will be more affordable next year. Some 80% of enrollees will be able to find a policy for a month or less -- up from 71% this year and the highest share so far."This year, more people than any previous year have access to a plan for or less," said Josh Peck, a former Obama administration official and co-founder of Get America Covered, which is promoting enrollment for 2018. "That's what we want everyone to know."Here's why this is happening:Many insurers jacked up the rates of their silver plans in part to make up for President Trump ending federal support for Obamacare's cost-sharing subsidies. These subsidies reduce deductibles and co-pays for lower-income enrollees.Premiums for the benchmark silver Obamacare plan will soar 37%, on average, for 2018, according to federal data released Monday.The premium subsidies are pegged to a benchmark silver plan in each market. So if that plan's rate rises, the value of the subsidy does too. More than eight in 10 Obamacare enrollees receive premium subsidies.Insurers, however, did not hike the price of bronze or gold plans nearly as much. The rate of the lowest-cost bronze plan is rising 17%, on average, while the cheapest gold plan is going up 19%, according to the Kaiser Family Foundation.That means the more generous premium subsidies will cover more of the monthly cost of these plans, so consumers will pay less.A 40-year-old earning ,000 will pay 75% less, on average, for the cheapest bronze plan and 21% less for the lowest-cost gold plan, according to a new analysis by the Kaiser Family Foundation. A 40-year-old earning ,000 will see a 28% drop in the price of the cheapest bronze plan, and an 8% decrease in the least expensive gold plan's premium.Bronze plans have lower premiums, but their deductibles are higher -- nearly ,900, on average, for an individual in 2018, according to a new report from Health Pocket, an online health insurance shopping tool. Meanwhile, gold plans have higher premiums, but their deductibles are only ,320 on average for a single enrollee next year.The cheapest gold plan will have lower premiums than the least-expensive silver plan in 459 counties next year once subsidies are factored in, Kaiser found. Silver plans will have an average deductible of just over ,000 next year.Many more consumers will be able to enroll in bronze plans and pay nothing each month. For instance, a 48-year-old consumer earning roughly ,000 can find a zero-premium policy in nearly 1,050 counties next year, up from 132 counties in 2017, according to an analysis by Oliver Wyman consulting group.Not everyone, however, will be so fortunate. Enrollees who don't qualify for premium subsidies -- those who earn more than ,000 as an individual or ,500 for a family of four in 2018 -- may be hit with the full premium hike. They may be better off buying bronze or gold plans or looking for individual coverage outside of the Obamacare exchanges.  3877

White House chief of staff John Kelly told reporters on Friday that the White House's handling of classified material "wasn't up to the standards" he had previously seen in his governmental career.During an impromptu meeting with reporters after President Donald Trump had departed for the weekend, Kelly explained the security clearance process for White House officials."It came to my notice that the kind of things I was used to in (Department of Defense) in terms of the handling of classified material wasn't up to the standards that I'd been used to," he said.  580

When two hijacked passenger planes crashed into the World Trade Center towers on September 11, 2001, a massive cloud of dust swept across the New York skyline.The looming cloud, caused by the twin towers' collapse and the digging in ground zero, carried chemicals and carcinogens such as perfluoroalkyl substances or PFASs, a class of chemicals used to make products stain-resistant, nonstick or waterproof. 415

When’s the last time you checked your credit report? A new report by CreditCards.com found nearly half of adults haven’t checked their credit report in the last 6 months.It’s been 6 months since the massive Equifax breach where millions of people’s personal information was leaked. CreditCards.com found out nearly half of us haven’t checked out credit report since then to find out if we were one of the victims. Matt Schulz with CreditCards.com says, "Frankly that’s disturbing."Schulz says, “This was an enormous deal. Key personal information like social security numbers were compromised for nearly 150 million people.”Once your personal information is compromised, it’s out there for good. 74% of you said that having your personal data stolen would be worse than having your cell phone stolen.Schulz recommends you check your credit report once a month. “We don’t think about checking Instagram or Facebook 10x a day but, it seems way too much to ask to go to your bank website or check your credit report on a regular basis.”Now more than ever it’s easy to check your credit report.Schulz says, “A credit report will show you if somebody in particular has opened an account under your name without you knowing about it. And that is potentially one of the most damaging things someone can do.”You can get your vantage score, credit score and free Transunion credit report at places like CreditCards.com"Remember, the last thing you want is for your credit score to be dinged by mistakes that aren’t your own.” 1529

When snow falls in a flurry and the weather is cold outside, escaping the elements becomes a top priority.With COVID-19 causing some warming shelters to stop operations this winter, however, the impacts could literally mean the difference between life and death.“We’re going to see a lot of people die to be perfectly honest,” said Robin Wood-Mason with The Delores Project, a homeless shelter in Denver, Colorado, that focuses on women and transgender folks.He says during a normal winter, this shelter can provide a warming space for dozens of people each day. But with a static population and a lack of social distancing, local health guidelines have forced them to shut their doors for warming shelters this season.“It’s heartbreaking,” Wood-Mason said of the warming shelter not being able to open this winter. “Here in Denver, we’ve got thousands more people experiencing than there are shelter beds available.”Across the country, other warming shelters are also being impacted by COVID concerns.“We’re just starting to inch into those winter months when we know things are going to get colder, things are going to look and feel a little different into our regions,” said Andrea Carlson with the American Red Cross.She says the days of having people packed in to one large room to get warm are gone. Now, they’re putting people into multiple separate spaces and following new COVID safety protocols.“Distanced between each other, masks are required, you do have some health checks when you come into the warming center,” Carlson said.As winter weather rolls in, and limited capacity issues mean more people are staying outside, The Delores Project believes more people will be exposed to harsh weather and the virus.“It means that we’re really going to see people get sick,” Wood-Mason said. “It’s going to put a new burden on the hospital system and our first responders.” 1887

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