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It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

In many ways, we have come a long way since March when the pandemic first began, but in other ways, we have not.Infections and hospitalizations around the country from COVID-19 are rising quickly, as the United States just surpassed 250,000 deaths from COVID-19. The country is also setting records for the number of positive coronavirus cases. It has forced states to consider similar shutdown measures to the ones we saw in spring.Michigan, Washington state, Oregon, and New Mexico are mostly closed, as states like Colorado have recently announced more closures coming this weekend, including moving restaurants to take-out and delivery only.“It has been very busy [in the ICU] and it has really, as you mentioned, gone up in the last two weeks,” said Dr. Julia Limes of UCHealth in Colorado.Dr. Limes has been spending the last few weeks working out logistics for the ICU at the University of Colorado Anschutz Medical Center.“We have started deploying people from other parts in the hospital to come and help us on both the COVID floors and in the COVID ICU,” said Dr. Limes.“We already surpassed the numbers from the first surge, so it’s like what’s next?” added Maddie Smith, a critical care nurse in the hospital’s COVID-19 ICU.Smith has worked in the hospital’s COVID-19 ICU since March. She says the fear, stress, and unpredictability of this current surge might have consumed her once more if it was not for the lessons learned in the COVID-19 unit during the spring months.“We just know how to treat them better, and we know how to intervene with interventions, so that’s been really helpful,” said Smith.In the spring, hospitals were experimenting with different drugs to treat serious COVID-19 complications. Since then, the FDA has approved Remdesivir as a treatment option for certain patients 12 and older, based on findings that it helped some patients recover faster.Smith says doctors and nurses are now more familiar with the arc of how a patient might respond to symptoms so they can manage bed space and ventilator use better.All this comes as both Moderna and Pfizer announced this week they have both developed vaccines with 95 percent effectiveness.“[Caring for patients] is easier and it’s smoother than it was in the spring,” said Dr. Limes.Not only has patient care gained more clarity, but so too has self-care on the part of first responders, according to Smith.“It was hard,” she said. “I think the biggest part that got to all of us is these people don’t have family to be with. That first surge, it all hit us pretty hard because of the sadness that happened down here. We just kind of lean on each other to get through it.”How far this current wave will go is unknown, but by drawing from the past, these first responders say they will be ready to deal with it no matter what is thrown their way.“We just have a better sense of the trajectory, and that is hugely valuable as we go into this next surge,” said Dr. Limes. 2962

It's been six months since President Donald Trump moved to end a program that protected young undocumented immigrants from deportation, and Washington seems to be no closer to a resolution on the day everything was supposed to be solved by.March 5 was originally conceived to be a deadline of sorts for action. When Trump ended the Deferred Action for Childhood Arrivals program in September, he created a six-month delay to give Congress time to come up with a legislative version of the policy, which protected young undocumented immigrants who had come to the US as children.The Department of Homeland Security was going to renew two-year DACA permits that expired before March 5, and Monday was to be the day after which those permits began expiring for good.But multiple federal judges ruled that the justification the Trump administration was using to terminate the program was shaky at best -- and ordered DHS to resume renewing all existing DACA permits. And the Supreme Court declined the administration's unusual request to leapfrog the appellate courts and consider immediately whether to overrule those decisions.That court intervention effectively rendered the March 5 deadline meaningless -- and, paired with a dramatic failure on the Senate floor to pass a legislative fix, the wind has been mostly taken out of the sails of any potential compromise.Activists are still marking Monday with demonstrations and advocacy campaigns. Hundreds of DACA supporters were expected to descend on Washington to push for action.But the calls for a fix stand in contrast with the lack of momentum for any progress in Washington, with little likelihood of that changing in the near future. Congress has a few options lingering on the back burner, but none are showing signs of imminent movement.March 23 is the next government funding deadline, and some lawmakers have suggested they may try to use the must-pass package of funding bills as a point of leverage.But sources close to the process say it's more likely that efforts will be made to keep a bad deal out of the omnibus spending measure than to come up with a compromise to attach to it, as no solution has a clear path to passing either chamber and the House Republican leadership has opposed attaching any immigration matter to a spending deal."I have a feeling that anything that goes with the omnibus is going to be a punt, so I'm not excited about that. That's not my goal," Rep. Carlos Curbelo, a Florida Republican who has been one of the loudest voices pushing for a DACA fix on the GOP side, told reporters last week.In the Senate, Jeff Flake, an Arizona Republican, and Heidi Heitkamp, a North Dakota Democrat, have introduced a bill that would give three-year extension to the DACA program along with three years of border security funding, though that legislation has yet to pick up any momentum and many lawmakers remain hesitant to give up on a more permanent fix. The Senate is also still feeling the residual effect of the failure of a bipartisan group to get 60 votes for a negotiated compromise bill, which suffered from a relentless opposition campaign from the administration. Trump's preferred bill failed to get even 40 votes, far fewer than the bipartisan group's.On the House side of the Capitol, a more conservative bill than even Trump's proposal has been taking up the focus. The legislation from Judiciary Chairman Bob Goodlatte, a Virginia Republican, and others contains a number of hardline positions and no pathway to citizenship for DACA recipients, and it fails to have enough Republican votes even to pass the House. It is considered dead on arrival in the Senate.But conservatives in the House, buoyed by the President's vocal support for the bill, have gotten leadership's commitment to whip the measure, and leadership has been complying for now. According to lawmakers and sources familiar, House Speaker Paul Ryan, a Wisconsin Republican, talked about the bill in a GOP conference meeting during the House's short workweek last week, and continued to discuss ways to get enough votes.Lawmakers estimate that at this point, the measure had somewhere between 150 and 170 votes in its favor, far fewer than the 218 it would need. But the bill's authors are working with leadership to see whether it can be changed enough to lock up more, even as moderates and Democrats remain skeptical it can get there."The vote count is looking better every day," said Rep. Jim Jordan, a conservative Ohio Republican who has been a vocal advocate for the bill. "I think if leadership puts the full weight of leadership behind it, we can get there. ... The most recent report I've heard is whip count is getting better."Moderate Republicans, however, are holding out hope that the party can move on from that bill and seek something that could survive the Senate and become law."Bring up the Goodlatte bill that went through Judiciary. If it does not have 218 votes, then let's go to the next one that makes sense for DACA," said Rep. Jeff Denham, a California Republican who has supported a compromise on DACA.In the meantime, most think DACA recipients will continue in limbo, especially with the courts ensuring that renewals can continue for now."It's good news for people in the DACA program, because they can continue renewing their permits. I have mixed feelings on what it means for us here, because we know this institution sometimes only works as deadlines approach, and now there isn't a deadline," Curbelo said.  5518

In Houston, Texas, everything is bigger, including the city’s problem with PPE litter.Many of the masks, gloves, and bottles of hand sanitizer being used to protect people during the pandemic aren’t being disposed of properly and some are worried it’s becoming a health hazard.Now, city leaders are taking matters into their own hands while trying to take PPE litter off the street“I know that they say everything is bigger in Texas but we definitely don’t want to be known for a big litter problem,” said Martha Castex-Tatum, Houston’s Vice Mayor Pro-Tem, who is helping launch the city’s new anti-PPE littering campaign.“It’s not only unsightly but it’s also a health issue,” she said. “If the PPE is contaminated, we don’t want other people touching it.”Castex-Tatum says stopping litter before it starts could save money in the long run.“It’s always expensive to pick up litter,” she said. “For instance, this PPE litter ends up in our drains. The city of Houston, we spend million a year cleaning out our drains.”Down the drains and into waterways, where the health impacts could be significant.“Unlike sewage systems, storm water is untreated and it flows directly into our lakes and our rivers and our oceans. There’s no intermediate treatment,” said Rachel Meidl, LP.D., CHMM, a fellow in energy and environment at Rice Univeristy. She says trash attracts trash and that PPE litter is a problem, not only in Houston but around the world.“As it concerns the pandemic, it’s how do we manage it,” Meidl asked.For some Houstonians, the answer to that question is simple.“It takes five seconds of your time to find a trash can,” one local man said about properly disposing PPE. “Just do it.”Just do it: another famous slogan from another famous campaign, something Castex-Tatum hopes Houston can replicate.“It’s important for people to know the message the message that we are trying to send with the anti-litter campaign,” she said.That message is clear: don’t let Houston go to waste.“I hope this inspires other cities across the country to also kick off anti-litter campaign,” Castex-Tatum said. 2113

INDIANAPOLIS -- Money fell from an armored truck on I-70 Wednesday morning, slowing down traffic on Indianapolis' west side.The cash fell out of a Brinks truck near the Holt Road exit of I-70 at about 9 a.m.Police are working on collecting the money, Indiana State Police Sgt. John Perrine said. Don't get too excited. Anybody who takes the money could be charged with theft, he said.  403