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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

An escort and "her protection" were arrested in Florida after they apparently showed up to the wrong house.Linda Elkins and Bosha Dawes, both 26, are facing loitering charges after Cape Coral Police said they showed up to a home on SE 10th Terrace and rang the doorbell just before 3 a.m."I would have answered the door with my shotgun," Rachad Leanari, a neighbor, told Scripps station WFTX in Fort Myers, Florida.The couple who lives in the home called police. They told officers Dawes rang their doorbell with something white covering his face. Elkins was with him. The couple then left, but came back shortly after before leaving again."They hid behind the post so they couldn't see him out the peephole," Melissa Jones, who lives next door, said. "She texted me at 2:30 while it was happening, saying 'is your husband banging on my door or ringing my doorbell?'""She seemed petrified. Petrified. I think they were seriously in fear for their life," Jones said.Police were able to catch up with Dawes and Elkins, who first claimed not to know each other or why they were there. They said Elkins was wearing pink see-through lingerie, and she told police she's an escort off of Backpage.com. She told police Dawes is her driver and waits outside while she goes into homes "for protection.""Floored...appalled...we have young children in our home that we don't let play on their bikes outside by themselves for weirdos, and that's a whole different kind of weirdo," Jones said. "We have young girls and young boys, and neither one need to be exposed to any little lady in a pink teddy at 3 a.m.."Elkins is also charged with using a false name, possession of marijuana, and had a warrant for her arrest out of Polk County for driving with a suspended license. 1768

American Airlines is taking its long-grounded Boeing 737 Max jets out of storage, updating key flight-control software, and flying the planes in preparation for the first flights with paying passengers later this month.The airline invited press reporters and photographers on board one of the planes Wednesday to demonstrate its confidence in the plane’s safety.All Max jets worldwide were grounded in March 2019 after the second of two crashes that together killed 346 people. Last month, the Federal Aviation Administration approved changes — mainly in flight-control software — that will allow airlines to resume flying the plane.American flew journalists from Dallas to the airline’s maintenance center in Tulsa, Oklahoma, where crews explained how they are bringing the planes out of storage and making FAA-required changes.American is likely to be the first carrier to put passengers on Max jets, beginning Dec. 29 with once-a-day round trips between New York and Miami. In the meantime, the airline plans flights with employees on board.Some relatives of people who died in the crashes — and who still believe the plane is unsafe — expressed outrage at both Boeing and American over what they termed a publicity stunt.Zipporah Kuria, a British citizen whose father died in the second Max crash, said Boeing and the FAA should instead turn over documents on changes made to fix the plane and how they were tested. The company has withheld the documents, saying they cover trade secrets.“I feel like Boeing is using the press to leverage public trust instead of actually genuinely earning public trust,” she said. “I’m really disgusted by the whole thing and the fact that American Airlines would pay for that. Their focus is more about the profit and corporate interest than it is about consumer safety.”Some people who lost family members believe that the FAA erred by not accepting all the recommendations made by pilots and aviation professionals during a public comment period on its proposal to let the plane fly again.Scrutiny of the plane has focused on a flight-control system called MCAS, which repeatedly pushed down the nose of the plane before both crashes. Boeing, which describes changes to the plane on its website, and the FAA say the system has been made less powerful and easier for pilots to override.Some of the family members, however, wanted a deeper, nose-to-tail review of the plane. And they don’t trust Boeing or the FAA, which allowed the plane to keep flying after the first crash, in Indonesia in 2018.“It hasn’t been evaluated to the point where we can say that it’s safe,” said Nadia Milleron, whose daughter was killed in the second crash, which occurred in Ethiopia. “This plane hasn’t flown very much with this new software, the revamped MCAS, interfacing with the plane. It’s not responsible for them to put you on this flight.”Chicago-based Boeing said Wednesday it has flown more than 1,400 test flights on updated Max planes. The FAA said its people put in 60,000 hours reviewing and testing Boeing’s work.American is likely to be the only U.S. carrier using the Max for several weeks. United Airlines expects to put the plane back in its schedule during the first quarter of next year, with Southwest following in the second quarter. Regulators in Europe and Brazil have cleared a path for their airlines to resume Max flights in a few weeks.It’s unclear whether the flying public will accept the plane or avoid it. Some industry officials believe that fear of getting on the plane has lessened with time. American says that if customers don’t want to fly on a Max, it will have the flexibility to put them on other planes.___David Koenig can be reached at www.twitter.com/airlinewriter 3739

An effort by Microsoft and Linkedin to get people back to work has now reached more than 10 million job seekers in 231 countries and territories. Their goal? To give free digital skills to 25 million people.Representatives from Microsoft and Linkedin admit it was, and still is, an ambitious initiative to reach that many people and to target the digital space and help get people the skills they need to work in our new and changed world.“It has really been a challenging time for so many people and there are things people can do to upscale we all really need to learn new skills everyday” says Naria Santa Lucia, general manager of digital inclusion at Microsoft Philanthropies.Part of her job is to help people get a job. She says the program has reached people all over the world, and all over the nation.“We’ve seen a great uptick from states like California, Texas, NY, Florida, Illinois, Virginia, Washington DC- but every single state has had a learner,” Santa Lucia said.Santa Lucia highlights people who quit their job hoping for more opportunity, right before the shutdown.The learning path on LinkedIn offers interview help, critical skills, and collaboration tools.Santa Lucia recalled someone who left their job before the pandemic who was able to find work.“He decided it was time to try something new,” Santa Lucia said. “He came upon the content and was able to supplement the technical background with the customer service skills to enhance his resume and become more attractive to employers and has landed a temporary position and is really looking forward to parlaying that into full time employment after the role concludes."Guy Berger is the principal economist at LinkedIn.“I’m pretty optimistic we’ll find our way out of this pandemic and even if we don’t, we’ll find ways of working around it more and more jobs will be online friendly or social distancing friendly,” Berger said.Berger and his team just finished the workforce report for October. They tracked labor trends, who's been hired, where people are working, and where they're moving, Berger said.“These reports in the late spring were pretty glum, hiring in the United States was down something like 40% compared to where it was a year ago. That’s huge,” Berger said. “We’ve never seen that big of a drop in our data in the last few years. But the good news: if you look at these reports… they’re improved we’re in a much better place.”The report shows that places like Austin, Texas, and Charlotte, North Carolina, are gaining the most people. While the restaurant industry and travel and tourism are still down, there's been growth in areas like wellness and fitness.Santa Lucia says, the initiative identified the top 10 in demand jobs, like software development, sales representative, customer service specialist and project management.“Life gets in the way,” Santa Lucia said. “All of us, we’re trying to juggle helping our kids running schools in the other room, we’re thinking about other struggles and worried about the pandemic and exposures in the health arena as well. One of the great things is you can start it and put it down as you need to which is what I had to do as life got a little busy and you can go back to it as well”She says another popular course is on diversity inclusion."There’s also really thinking about race equity, how can we reach individuals who are Black and African American, and, in this moment, provide the opportunity for them to become reskilled and upskilled as well" says Santa Lucia, who also recommends making a plan for yourself, keeping record, taking advantage of conferences which are now virtual and often free.Once you get your completion certificate, it's one more thing you can add to your profile to help you stand out amongst the crowds who are looking for work. 3812

As an organization dedicated to the fight to #EndExtinction, we must provide a voice for wildlife. Last year, we added our voice to many other conservationists expressing concerns about these proposed changes & we feel compelled to do so again in light of the current situation.— San Diego Zoo (@sandiegozoo) August 15, 2019 342

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