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CINCINNATI, Ohio - What will health insurance costs look like in the aftermath of the COVID-19 pandemic?It’s too early to say for sure, said Miami University professor and economist Melissa Thomasson, except that rates almost definitely won’t go down.“There is so much uncertainty right now that insurance companies are probably really reluctant to cut premiums” for the upcoming year, she said Wednesday.They could be more expensive next year to cover lost profit during the pandemic, she said; they could also remain the same. Although millions of Americans lost their jobs in 2020, not all of them had employer-sponsored insurance or represented a hit for their insurance company.“Jobs in retail, service industries, hospitality and leisure, those people typically don't have health insurance coverage,” Thomasson said. “So I think the losses in health coverage were less than we initially feared."Tommie Lewis, a Cincinnati business owner, said his family avoided the doctor’s office for much of the year due to COVID-19 transmission concerns. People across the country have done exactly the same thing; on June 9, the CEOs of the Cleveland Clinic and Mayo Clinic published an opinion piece pleading with readers to stop delaying their medical care over virus fears.The insurance industry could benefit in 2021 from people like Lewis, who had put off their visits, finally returning, Thomasson said. Likewise, it could experience a rebound through new telehealth options — which the Kaiser Family Foundation predicts will be more prevalent — and previously unemployed people going back to work.But Lewis, who is self-insured through his business, said he worries that premiums will rise for families across the country.“I really believe there will be an increase in premiums, and families of four, five, six, are going to have to make real serious decisions on food, shelter, transportation, or health care,” he said.This story was first published by Courtney Francisco at WCPO in Cincinnati, Ohio. 2010

Cyber Monday shoppers may also want to consider refurbished gifts.Monday, U.S. PIRG released its “Fixed for the Holidays” update. It found the variety has expanded greatly since the last report two years ago.There are options like refurbished smartphones, vacuums or professional cameras.“The deals and the quality have gotten a lot better, and in fact some of the refurbishers have told us that they've seen a significant increase in their operations over the course of the pandemic,” said Nathan Proctor, Director of U.S. PIRG's Right to Repair campaign.Refurbished products can be a great alternative for new devices that are hard to find amid manufacturing disruptions caused by the pandemic. Plus, the savings can be significant. Most of the time, they’re even better than the discounts on Black Friday.Buying refurbished is also a green option because it cuts waste.Many of the big retailers do their own refurbishing. There's also certain websites U.S. PIRG recommends, like The Store, Back Market, and Gazelle. They have extensive quality checks and great coverage options.“We recommend some of the retailers we do because the warranties are so good. I mean you can get a product with a longer warranty from the refurbisher than the new equipment manufacturer provided,” said Proctor.When shopping refurbished, learn how the site differentiates its products. Then, decide what balance you're looking for.Some products may be less expensive but have more cosmetic issues like scratches and dings. Others were returned without ever being opened.Look for brands with a reputation for higher quality.A good rule of thumb is if it was cheaper when it was new, it's higher risk as refurbished. 1703

CORONADO, Calif. (KGTV) - Its been almost six months since a drunk driver destroyed an iconic flower shop, the Coronado Flower Lady.Shanel Albert had only taken over as owner a year before the accident happened. She's continued to operate despite many challenges along the way.The business took a financial hit, forced to sell their van and take out a loan.But from the wreckage came kindness and love from the community.Shanel's husband Steve worked tirelessly to build a new flower shop.His friends at WeldTec Designs let him use their shop and tools, all while helping him along the way. The business also received donations from a Go Fund Me page.The Coronado Flower Lady will first have a soft launch in the next week and then a grand re-opening with city leaders.  783

CLAYTON COUNTY, Ga. — One person was killed and another was injured in a shooting following a high school graduation ceremony near Atlanta on Friday night.The shooting took place in the parking lot outside of the Clayton County Performing Arts Center in Jonesboro. Many people were leaving following the Perry Learning Center graduation ceremony.  375

Consider this. What would happen if there was a fire in your home and your smoke detectors didn't ring?An Elma, New York man is questioning how safe he was, with Kidde smoke detectors, having experienced that very situation.Roy Fedeson has lived in the same home for 35 years. He was out of town one weekend in February, working a manual labor job, when he got a call that the electrical wires coming from his house were arcing. 436

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