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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

ANAHEIM, Calif. (KGTV) - Several Downtown Disney businesses will shutter their doors this summer to make room for a new 700-room hotel near Disneyland.The hotel will occupy the west end of the district, offering guests a new gateway to Disneyland via the park's iconic monorail.In the process, several businesses will close in Downtown Disney: AMC 12 Theatres, Rainforest Cafe, ESPN Zone, Earl of Sandwich, Alamo Rent-a-Car, and the west-end Starbucks.RELATED: Take a virtual walk through Disney Parks with new 360-degree panoramas on Google Street ViewDisney Vacation Club and Walt Disney Travel Company offices in the area will also be relocated. "Our plans represent our commitment to Anaheim and continued growth and transformation of Downtown Disney, and future Disneyland Resort, including our new hotel, which will create 2,500 jobs between construction and operation," Suzi Brown, a Disneyland Resort spokesperson, said. "We thank the operating participants that are closing this summer for their partnership over the years."Disney did not say if any of the businesses will close permanently or join the hotel development.RELATED: Disney to close A Bug's Land to make way for superhero-themed landESPN Zone cast members are being helped by Disney to find new roles in the park and the other businesses are looking into redeploying their employees to other Southern California locations. The park is also holding three job fairs from April to May.The businesses will close by June 30, with demolition of the site slated to begin in July. The hotel is scheduled to open in 2021.Downtown Disney's hotel is the latest project by the park to increase its appeal outside the theme park.RELATED: Report: 10 percent of Disneyland employees have recently experienced homelessnessEarlier this year, the park announced San Diego-based Ballast Point Brewing would open the park's first on-site brewery in 2018.Ballast Point's Disney location will be family-friendly, according to the park, offering a children's menu and gluten-free and vegetarian options. 2105

An email sent to businesses and organizations across the country on Thursday appears to be a hoax, authorities from the New York Police Department said. According to NYPD's Twitter page, the email, which prompts victims to make a Bitcoin payment, is a scheme to either "cause disruption and/or obtain money."Police in New York said they have searched various places where the email has been sent, and no devices have been found. NYPD said they will continue to respond to calls for service if anyone receives a threat. Authorities in other states have conducted similar searches. Police in Tennessee said they believe the email originated from outside of the United States. The FBI issued the following statement: 746

And we have a winner!After almost a year, the Queen of Hearts drawing at Grayton Road Tavern in Cleveland has finally come to a close with a winner walking away with over .5 million!The winning card number was 45.The drawing happens once a week and it got down to four cards out of a deck of 52. Each card in the deck is randomly assigned a number and every week you can buy raffle tickets and pick from the remaining numbers. Whoever guesses which card is the queen of hearts wins the jackpot. Because the card numbers change every week, the tickets are dumped and new cards have to be picked, but the money just keeps piling up.Another raffle ticket was picked before the winning ticket, but it had no number written on it. Would hate to be that guy right now.Congratulations to the lucky winner! 813

An armed citizen gunned down a shooter at an Oklahoma City restaurant on Thursday, killing him, police said.A man walked into Louie's Grill & Bar and opened fire, striking two people. As the gunman was fleeing the scene, a bystander armed with a pistol confronted the shooter and fatally shot him outside the restaurant, Oklahoma City Police Captain Bo Mathews told reporters."Right now, all I know is that it was just a good Samaritan that was there and looks like he took the right measures to be able to put an end to a terrible, terrible incident," Mathews said.The shooter's motive is not known and his identity has not been confirmed. 652