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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

With businesses around the country reopening, customers may notice an additional expense on their bill: a COVID-19 surcharge. This new surcharge is popping up around the country and is an extra fee that businesses can add to a bill to help alleviate the financial burden placed upon them during the virus outbreak. It is meant to help offset losses due to businesses having to temporarily close, or help businesses keep up with the new requirements to reopen under health guidelines.The practice of adding an additional surcharge is legal for businesses although it may feel sneaky to customers without prior notification."Businesses would have to make decisions on their own," Kern County Administrative Officer Ryan Alsop told KERO-TV. "Simply having something on the bill at the end of the night that addresses something like a COVID-19 surcharge, possibly in addition to having signage in the restaurant, maybe something on the menu upfront."Adding a surcharge to the bill isn't the only option to help businesses during this time of reopening. Businesses could choose to raise prices overall. This has already been seen in some restaurants where expenses such as food supplies and third-party delivery fees, like DoorDash and GrubHub, have gone up considerably.Alsop points out that as a business, communicating with your customers might be the best way to maintain trust and keep your customers coming back during this difficult time."If I'm a business owner, customers are my livelihood," he said. "Those I think are points where you can engage your customers and talk to them about your business decisions."This story originally reported by Veronica Morley on turnto23.com. 1689

With five months to go until the November election, a unique group of voters could play a pivotal rule in deciding the next president: felons. THE ISSUEA Florida judge recently ruled felons, who have left prison, should not be required to pay fines before they are allowed to vote. Last year, Florida's governor signed a law making it a requirement to vote again. The judge referred to it as a “pay-to-vote system."Florida's governor is appealing the ruling. The issue of what voting rights felons have varies across the country and depends on where the felon resides. Some states, like Maine, allow felons to vote while incarcerated. In the majority of states, felons are automatically allowed to vote after they leave prison. In Iowa, felons aren't allowed to vote at all. Meanwhile in Virginia, their constitution bans felons from voting, but the governor has been using his authority to allow nonviolent felons to vote if they fill out a form.IMPACT ON ELECTIONIt's estimated there are around 1 million potential Florida voters impacted by the legal ruling. Given Florida's swing state status, that is a lot of new voters potentially up for grabs. Florida has 29 electoral college votes. President Donald Trump beat Hillary Clinton by just 112,000 votes in 2016. While the ruling is being appealed, it's unclear if it will be taken up by the Supreme Court before November's election. "I think there is certainly a movement to give people second chances, to let them rejoin the electorate," Julie Ebenstein, an ACLU lawyer who helped argue the case, said. Ebenstein believes this could impact other states in encouraging legal challenges. While Democratic leaders, for the most part, have taken steps to allow more felons to vote in recent years, it is unclear if it helps their party when it comes to elections. A Vox study found felons participate in elections at low rates and traditionally do not favor one party or another in large numbers. FELONS REACT"It's about 50-50 down the line inside," said Barbara Barrick, a Virginia felon, about the political affiliation of those who have served time. Barrick is following the Florida case because she believes felons should be treated equally regardless of the state in which they live. Barrick received her voting rights back in 2018 after the governor of Virginia issued a special order. "When I voted for the first time last November, I felt so real. I put my little sticker on. I was prancing around. I actually cried," Barrick said. 2501

WINTER HAVEN, Fla. — Florida Gov. Ron DeSantis unveiled a bill Monday aimed at shutting down protests on roadways and increasing penalties for those that threaten the safety of law enforcement officers.Speaking at the Polk County Sheriff's Office on Monday, DeSantis unveiled the Combating Violence, Disorder, and Looting and Law Enforcement Protection Act, which needs to be voted on by the state Legislature."Recently in our country we have seen attacks on law enforcement," DeSantis said. "We've seen disorder and tumult in many cities across the country."Calling it the "boldest and most comprehensive piece of legislation" of its kind in the country, DeSantis said, if approved, the bill would make it a third-degree felony for those that take part in a violent or disorderly assembly.In addition, protesters could be charged with a felony if they "incapacitate" roadways. The bill would also says that drivers are not liable "for injury or death caused if fleeing for safety from a mob.""We've seen people take over interstates. That is absolutely hazardous, it's not fair to motorists who may get caught up in that," DeSantis said. 1146

WEST PALM BEACH, Fla. - For better or worse.Attorneys in South Florida say that during the COVID-19 pandemic, more couples are requesting prenuptial agreements.For Amanda Locker, her wedding day felt like a fairy tale."Was only thinking marriage, kids, and being married forever," Locker said.10 years after tying the knot..."Two beautiful children, but our lives did change. Could I imagine being married today to the same gentleman? Absolutely not," Locker said.Now the former stay-at-home mom imagines if she would have had a prenuptial agreement."I think I would want to sign one to protect myself," Locker said.According to the American Academy of Matrimonial Lawyers, 60% of family law attorneys surveyed reported an overall rise in prenuptial agreements in recent years."There’s been a lot of postnuptial agreements, prenuptial agreements," attorney Abigail Bebe said.WPTV called six local attorneys and five of them said during the pandemic they’ve seen an increase of prenuptial agreements. Bebe said you should start the process at least three months before the wedding."It’s really the ideal time to make plans so when it comes to that if it ever does, there are really fewer things to fight about," Bebe said.Licensed clinical social worker and family therapist Alyse November said the pandemic is bringing up difficult financial conversations for couples."We want to hear, really hear and when we hear we can repeat it and ask somebody did I get it? Did I get everything that you were saying? And the next step we want to have them do is ask them if there’s anything more you want to tell me about this," November said.This story was first reported by Sabirah Rayford at WPTV in West Palm Beach, Florida. 1725

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