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Americans will soon have one more alternative to Obamacare, thanks to the Trump administration.Officials Tuesday proposed regulations that will make it easier to obtain coverage through short-term health insurance plans by allowing insurers to sell policies that last just under a year. The new rules stem from an executive order President Donald Trump signed in October aimed at boosting competition, giving consumers more choices and lowering premiums."Americans need more choices in health insurance so they can find coverage that meets their needs," said Health and Human Services Secretary Alex Azar. "The status quo is failing too many Americans who face skyrocketing costs and fewer and fewer choices. The Trump Administration is taking action so individuals and families have access to quality, affordable healthcare that works for them."The proposal would reverse an Obama administration decision to limit the duration of short-term health plans to no more than 90 days in order to make them less attractive.Such plans could roil the Obamacare market, drawing healthier consumers away from the exchanges and pushing up the premiums for those who remain.Short-term health plans, which have been available for years and were originally designed to fill a temporary gap in coverage, are likely to be cheaper than Obamacare policies. But that's because they don't have to adhere to Obamacare's consumer protections, allowing them to do such things as exclude those with pre-existing conditions and base rates on applicants' medical history.Also, they don't have to offer comprehensive coverage. Typically, short-term policies don't provide free preventative care or maternity, prescription drugs and mental health benefits. They can also impose annual or lifetime limits, meaning they may only pay out a set amount -- often million or less -- leaving the policyholder on the hook for the rest. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at ,350 for 2018.Young and healthy folks may like these plans because they come with lower monthly premiums. But those who actually need care could find themselves having to pay more out of pocket for treatment and medications. In fact, some consumers with these plans have complained that they've been hit with unexpected expenses.Also, insurers aren't required to renew the policies so those who become sick could find themselves unable to sign up again for the same plan."People who buy short-term policies today in order to reduce their monthly premiums take a risk that, if they do need medical care, they could be left with uncovered bills and/or find themselves uninsurable under such plans in the future," wrote Karen Pollitz, senior fellow at the Kaiser Family Foundation, in a recent policy brief.Have you ever had a short-term insurance policy? What was your experience? Tell us about it here.Consumers today can find short-term plans that cost as little as 20% of the least expensive Obamacare plan, according to Pollitz.In its announcement about the proposed rules, the Trump administration said short-term policies are designed to fill a temporary gap in coverage. It will require insurers to notify consumers that the plans are not required to comply with all of Obamacare's mandates.The administration will accept comments on the proposed rule for the next 60 days.Those with short-term policies are not considered insured under the Affordable Care Act and are subject to the penalty for not having coverage. But this will not be an issue after this year since Congress effectively eliminated the individual mandate -- which requires nearly all Americans to be insured or pay a penalty -- starting in 2019 as part of its tax overhaul bill.The proposed regulations are the latest step in the Trump administration's quest to weaken Obamacare. Last month, officials unveiled a proposed rule that would make it easier for small businesses -- and some self-employed folks -- to band together and buy health insurance. That proposal also stemmed from Trump's executive order and is designed to broaden access to what are known as association health plans.  4169

Anyone driving on Interstate 15 near Spring Mountain Road near the Las Vegas Strip early this morning may have seen a shocking billboard. It said “Shoot A School Kid Only .”The infamous art collective INDECLINE “vandalized” the sign on Wednesday night. The billboard is used by Battlefield Vegas, which advertises that it is the best indoor shooting range experience in Las Vegas. The sign was also changed to say "DEFEND LIVES REFORM LAWS."INDECLINE says they did it because of “America’s longstanding obsession with gun culture and out government’s inability to honor the victims of mass shootings by distancing themselves from the homicidal policies of the NRA.”INDECLINE says it is "calling on all political parties to immediately work towards a legislative resolution that aims to protect citizens and reform inadequate gun las that are currently placing value on assault weapons over that of human life.”This isn’t the first time that INDECLINE has vandalized a billboard or did something controversial in Las Vegas and other cities around the U.S.INDECLINE was also behind the naked Donald Trump statues in 2016 that popped up in many cities, including Las Vegas, New York City, San Francisco and Los Angeles. In addition, the group vandalized a billboard that was promoting a fight between Floyd Mayweather Jr. and Conor McGregor. They also hung mannequins in suits on billboards with the caption “Dying For Work.” The message on the billboard was covered up before 9 a.m. Thursday. The incident is under investigation.  1584

An Oregon man was arrested last week and faces multiple criminal charges after attempting to destroy a McDonald's location's "Golden Arches" after he was refused an order of 30 double cheeseburgers. The News-Review first reported the March 17 incident, which took place in Sutherlin, Oregon. Jedediah Ezekiel Fulton was charged with suspicion of second-degree disorderly conduct, second-degree criminal trespass, second-degree criminal mischief and harassment, the News-Review reported. The incident became so scary, a witness inside the McDonald's pulled out a gun out of fear. Fulton allegedly became irate after McDonald's employees refused to fulfill his order of 30 double cheeseburgers. After being refused the order, Fulton allegedly tore down a McDonald's banner and attempted to destroy the location's Golden Arches. Why he was refused the order in the first place is unknown.  934

Apple announced on Friday that it is planning to temporarily close several of its locations in four states as the number of coronavirus cases in some US states are surging.Apple said that two stores in Florida, two in North Carolina, one in South Carolina and six in Arizona will be closed until further notice. The closures go into effect tomorrow.“Due to current COVID-19 conditions in some of the communities we serve, we are temporarily closing stores in these areas,” Apple said in a statement. “We take this step with an abundance of caution as we closely monitor the situation and we look forward to having our teams and customers back as soon as possible.”Apple said for its locations that are remaining open, Apple is limiting store occupancy and is requiring all customers and employees to wear face coverings.Florida and Arizona both reported one-day records for new cases on Friday.Here are the impacted locations:Florida- Waterside Shops- Coconut PointNorth Carolina- Southpark- Northlake MallSouth Carolina- Haywood MallArizona- Chandler Fashion Center- Scottsdale Fashion Square- Arrowhead- SanTan Village- Scottsdale Quarter- La Encantada 1162

An advisory committee is recommending Americans age 75 and older, along with essential workers like firefighters, teachers, and grocery store workers should be next in line for the COVID-19 vaccine.This second wave of people comes after the first tier of health care workers and long-term care facility residents that was agreed to by the Advisory Committee on Immunization Practices earlier this month should get the first of the vaccine shots that started last week.The committee, composed of health experts in the field of immunization, makes recommendations to the CDC, and they are almost always adopted.They voted Sunday afternoon on the recommendation, it was 13-to-1. They also discussed the next tier, which could include Americans age 65-to-75, as well as those who are age 16-to-64 who have high-risk medical conditions, and other essential workers not already vaccinated, according to CNN. It comes as a second COVID-19 vaccine, made by Moderna and the National Institutes of Health, begins being shipped around the country for approved emergency use and a second week of shipments arrive of the Pfizer vaccine.The CDC says roughly 556,000 Americans received the first dose of the vaccine last week. The Pfizer vaccine started being given on Monday, December 14.The general overseeing the distribution of the COVID-19 vaccines says they are on track to deliver about 20 million doses before the end of the year. Each person must receive 2 doses of the vaccine for full effect, which has been shown in both vaccines to be higher than 90% effective.As for when the second tier of frontline workers and those age 75 and older will receive their vaccines is up to state governors depending on their vaccination plans and distribution of the vaccine. The advisory panel is offering guidance to state leaders about how to handle distribution of the vaccine. 1872