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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

In this video grab issued Sunday, Aug. 30, 2020, by MTV, Lady Gaga accepts the award for best collaboration for "Rain on Me" during the MTV Video Music Awards. (MTV via AP) 180

Is your computer running slow?Does it take longer to start up?It could be something minor, or it could mean hackers have gotten in and are recording your every keystroke.Data Doctors expert Ken Colburn says most of the time, you'd never know the difference.It can happen if you go to an unknown website. Or you could click on a link. Maybe it's a free download your child wanted. It could be something sent from a trusted friend who didn't know they'd been hacked.Make sure your computer protection software is up to date.If your computer is noticeably slower or you have other obvious signs, you may want to change passwords on a different computer.And you should consider taking your computer to an expert to be scrubbed.Click here for more ways to tell if your computer may have been hacked. 807

INDIANAPOLIS -- After Papa John's CEO John Schnatter blamed the NFL and protests during the national anthem for his company's falling pizza sales, he gained some new fans -- just ones he doesn't want. After Schnatter's comments, neo-Nazi website The Daily Stormer claimed Papa John's was the official pizza of the alt-right. The website posted a photo of a pizza with pepperoni in the shape of a swastika.Papa John's has since denounced its new supporters. 494

INDIANAPOLIS — In a rematch from four years ago, Democrat J.D. Ford beat Republican incumbent state Senator Mike Delph.As of Wednesday morning, Ford had a six-point lead on Delph for Indiana's Senate District 29.Ford is the first openly gay person elected to the Indiana General Assembly. "I think it's really time for us LGBTQ+ Hoosiers to have a voice in our General Assembly," Ford said.In 2014, Ford lost to Delph by about 2,300 votes for the District 29 Senate seat. Delph had been serving in the Indiana state Senate since 2005. In November 2017, he was sent to Puerto Rico to help with the recovery from Hurricane Maria. In 2014, Delph tweeted his frustration about a delayed vote on a gay marriage ban. Delph championed the ban, which included language that would also bar civil unions. Delph lashed out at members of his own party, the media and the "self absorbed Godless culture that is fast tracking our nation to ruin."LGBTQ Victory Fund, an organization that works to increase the number of openly LGBTQ officials in government, released a statement celebrating Ford's win.“The Rainbow Wave has arrived in Indiana in a spectacular way,” said Annise Parker, president and CEO of LGBTQ Victory Fund and the former mayor of Houston. “Tonight JD made political history in becoming the first openly LGBTQ person ever elected to the Indiana General Assembly – a milestone moment for a state that was one of the few to have never elected an openly LGBTQ state legislator."According to the LGBTQ Victory Institute, there are currently four openly LGBTQ elected officials in the state: South Bend Mayor Pete Buttigieg, Indianapolis City-County Council Zach Adamson, Monroe County Circuit Court Judge Elizabeth Cure and Monroe County Community School Corporation Board of Trustees member Sue Wanzer.Ford will be the fifth."Yes, this is a historical moment, but it's not about me," Ford said Tuesday night. "It's about the LGBTQ+ Hoosiers and generations to come that can be proud of what we attempted to do and did do." 2136

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