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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

INDIANAPOLIS -- An Indianapolis mother is fighting for justice for her son after he was severely injured while attending a daycare on Indy's northeast side - and she wants to know who did it. Tiffany Griffin said she got a call from Kiddie Garden Daycare on Monday saying her son had been injured by another child and she needed to come pick him up.  368

In the shadow of the Capitol dome Tuesday was a sobering display of thousands of pairs of shoes, organized neatly across the grass said to represent children who have died in the US from gunshot wounds since the Newtown elementary school massacre in 2012.The global advocacy group Avaaz has been collecting donated pairs of shoes for two weeks and early Tuesday morning lined them up one by one, 18 inches apart, in roughly 80 rows on the Capitol lawn, as Congress continues to sort through a debate over gun violence and school safety."Shoes are individual. They're so personal. There are ballet slippers here and roller skates. These are kids," said Nell Greenberg, the campaign director for Avaaz.The display feature 7,000 pairs of shoes. To arrive at that figure, the group cited a 2017 report from the American Academy of Pediatrics using data from the Centers for Disease Control and Prevention that found nearly 1,300 children die from gunshot wounds in the US every year. Avaaz then tallied up the estimated number since the December 2012 shooting at Sandy Hook Elementary School.Organizers say shoes were donated from across the country and stored in a Washington, DC, warehouse until Tuesday. Among those who donated were family members who've lost loved ones to gun violence, such as Tom Mauser, who lost his son in the Columbine school shooting and traveled from Colorado to hand deliver his son's shoes for the display."My son wore the same size shoes as me. I discovered that after he died and that became a big symbol for me, that I could walk in his shoes," said Mauser, who has since become an advocate for stricter gun control.Mauser came to Washington with two pairs of his son's size 10.5 shoes. He placed one pair in the display and wore the other pair -- some gray and black Vans that Daniel was wearing the day he was killed. "That's usually what I wear," Tom Mauser said.Shoes from celebrities like actress Bette Midler and comedian Chelsea Handler were also seen on the grass.The display comes nearly one month after a gunman killed 17 people at a Parkland, Florida, high school, triggering a vocal movement led by student activists demanding more gun control and school safety.The House of Representatives votes Wednesday on a bill to increase security at school, and while it's expected to pass, many Democrats are upset the package doesn't include gun control measures. Also on the Capitol lawn Tuesday, six senators gathered for a news conference to support the Senate version of the House bill, also known as the STOP School Violence Act. The Senate version does not contain gun measures."This is about schools but it's not just about schools," Republican Sen. Marco Rubio of Florida, who is a co-sponsor of the Senate bill, told reporters. "When someone is determined that they're going to commit an act of violence, it could be in a school, it could be in a mall, it could be in a movie theater, it could be in an airport, it could be at a stadium. So, what we're really focused on here more than anything else is identifying the people that are going to commit a violent act irrespective of where they're going to commit it and stopping them before they do it."The Senate Judiciary Committee will hold a hearing Wednesday on the Parkland shooting and failures by FBI and law enforcement to recognize warning signs exhibited by the gunman before the massacre. The hearing is also expected to focus on a spate of recent gun control legislation that's been introduced by members on both sides of the aisle.Gabrielle Weiss, a 24-year-old volunteer who helped lay out the shoes Tuesday morning, said she wanted to help keep the issue of gun violence alive in the news cycle after seeing it fade after past shootings."I was happy that we were doing this a while after (the Florida shooting) just to keep beating the drum," said Weiss. "These kids that were lost in Florida, they aren't just headlines. They're real people that could have been standing there today." 4010

It's likely that a Sacramento sheriff's deputy who struck a protester with a patrol SUV Saturday night didn't realize he had hit someone, Sheriff Scott Jones said during a press conference Monday.The patrol SUV struck a woman as she and others gathered in the street to denounce the killing of Stephon Clark, then left the scene, according to video of the incident. The woman suffered minor injuries and was taken to a hospital, according to the Sacramento County Sheriff's Department."I haven't spoken to the officer about the incident, I'm not even sure that his statement has been taken," Jones said, adding that there has been no change to the deputy's duties at this point during this investigation. "It's an unfortunate event that punctuated an otherwise fantastic evening." 788

In this video grab issued Sunday, Aug. 30, 2020, by MTV, Lady Gaga accepts the Tricon award during the MTV Video Music Awards. (MTV via AP) 147