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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 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

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 I-95 driver escaped serious harm Tuesday after a hunk of metal crashed through his windshield about a mile south of Woolbright Road. "He is lucky to be alive," DBFR Battalion Chief Todd Lynch said. The man had minor injuries from the shattered glass. FHP is investigating. pic.twitter.com/kijx27RfrA— Delray Beach Fire Rescue (@DelrayBeachFire) October 13, 2020 372

As Major League Baseball threw out the first pitch Thursday night, MLB announced that the player’s association and league have agreed to a 16-team playoff for this season only. This expands it from the normal 10 teams. The decision makes it possible, if not likely, that teams with losing records will reach the postseason. Sixteen of the 30 teams will advance to a best-of-three first round. MLB agreed to guarantee a postseason pool that would be million if the entire postseason is played. The pool usually comprises ticket money, but baseball anticipates playing the entire year in empty ballparks due to the coronavirus.Details about how the playoff match-ups would be decided is still being discussed, according to media reports. There is a proposal being considered, according to ESPN, that some of the playoff teams could pick their opponents. On Thursday, baseball fans will get to watch Washington Nationals host the New York Yankees and the Los Angeles Dodgers take on the San Francisco Giants.The other 26 teams will start their seasons on Friday.This season will only be 60 games, down dramatically from normal years.Another change due to the pandemic includes a COVID-19 inactive roster in addition to the injured roster. There is no set amount of time a player must remain out if they test positive for COVID-19.Find more information about the 2020 season here. 1388

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