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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

ANNAPOLIS, Md. — A municipal government in China has donated 40,000 medical-grade face masks to Maryland’s capital city amid the coronavirus pandemic.The donations from Changsha, China, were first offered to Annapolis city officials in April, when the need for the masks among public safety workers was high in the beginning of the pandemic, Annapolis City Manager David Jarrell said in a news release Tuesday.They arrived this month, with one of the boxes featuring strikers of American and Chinese flags with a message that read: “Go, City of Annapolis! Best Wishes from Changsha! True unity inspires people to work as one to overcome adversity,” The Capital Gazette reported.Another note from Yani Xia, a representative in the Chinese city’s Foreign Affairs Office, accompanied the shipments. “We sincerely wish you and everyone in Annapolis continued good health, and the fortitude to persevere during this challenging period,” Xia’s note read.Annapolis’ relationship with Changsha began under a former city administrator, according to the release. The two municipalities are now sister cities. 1106

ARCADIA, Calif. (AP) — A fifth horse has died at Santa Anita this fall, the 35th overall fatality since Dec. 26 at the Southern California racetrack.G Q Covergirl injured both her front legs Friday on the training track. The 5-year-old mare was euthanized on the advice of the attending veterinarian.Trained by two-time Kentucky Derby winner Doug O'Neill, G Q Covergirl had six wins in 16 career starts and earnings of 0,730. She had won her last two starts and finished in the money in all of her six races this year. O'Neill also owned the mare in a partnership.The training track has caused the fewest number of breakdowns. However, there have been three deaths on it since the fall meet began on Sept. 27, including one that was believed to be a heart attack. The other two fatalities occurred during races.Santa Anita hosts the Breeders' Cup world championships next weekend. 891

Amid movements such as “Me Too” and “Times Up," WalletHub has determined the best and worst states in America for women.According to WalletHub, although women make up 51 percent of the U.S. population, only 22 percent of U.S. Senators are women while only 19.3 percent of the House of Representatives is made up of women.To rank states, the site compared all 50 states and the District of Columbia across 23 indicators of living standards for women.RELATED: WalletHub ranks best and worst states for military retireesCalifornia didn’t rank as high on the list as some may think, coming in 19th overall.California also came in 23rd in the women’s economic and social well-being rank and 12th for women’s health and safety. Overall the best state for women was Minnesota and the worst was Louisiana.Below are the top five best states for women in 2018:  879

Are you participating in Black Friday shopping this week? The season's biggest shopping event of the year might look a lot different than usual with many cities, states and retailers putting in restrictions due to COVID-19.For the first time, Deloitte’s consumer survey found that more shoppers plan to go online Thanksgiving weekend than to visit in-person retailers. The survey found that 58% of those planning to shop on Thanksgiving weekend will do so online, compared to 41% who say they will shop in person. Last year, 61% of shoppers said they planned on shopping in person compared to 51% who said they would shop online. A number of those surveyed said they would do both.If you plan on shopping on Black Friday, the Better Business Bureau offered the following tips:1) Stay Safe. Follow CDC guidelines to healthy and safe while in the store.2) Make the most of Black Friday deals. Start with a list of items and use sale flyers and promotions to determine which store has the best price. Set a budget and stick with it before heading out.3) Read the fine printSome retailers may offer an additional percentage off the purchase, but could exclude certain deals or items such as “door busters.” Watch for companies boasting a high percentage off; the item may be “75% off,” but the original price could be inflated. Carefully check the price tags, terms, and conditions. Research online using a secure wifi connection to see if competitors have the item at a better price.4) Plan out the excursion. Sometimes it's not necessary to wait to see what deals will be offered on Black Friday. Retailers often will release Black Friday flyers weeks ahead of time, so consumers can plan out their shopping spree. Make a map of the stores to visit and what items are at which store. Some retailors only honor sale ads during a certain time frame, or on certain days, and could limit the amount of deeply discounted items available for purchase.5) Sign-up for email alerts. Many stores release their best Black Friday deals and exclusive coupons to people who have subscribed to their emails. Sign up ahead of the holiday season, and then unsubscribe afterwards if needed.6) Do your research. Read product reviews on extremely discounted items. It could be a cheaper model or brand advertised, and not what was expected. Check BBB.org for Business Profiles of the stores and read what other customers’ have experienced.7) Know the return policy and warranty information.Pass along any information about returns, exchanges, repairs, and warranties to the person who will use the item. Gift receipts are an easy way for recipients to return or exchange a gift if it’s not just right, but make sure the item is able to be returned before purchasing.Visit BBB.org to look up a business, file a complaint, write a customer review, report a scam, read tips, follow us on social media, and more! 2894

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