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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

It has been nearly a decade since music superstar Michael Jackson died.The "King of Pop" died June 25, 2009 at his home in Los Angeles after receiving fatal doses of the drugs propofol and benzodiazepine. He was found unresponsive in his bedroom by his doctor, Conrad Murray.Murray had administered the drugs to Jackson and was convicted of involuntary manslaughter in the singer's death. He spent two years in prison.Jackson, one of 10 siblings in the famous Jackson family from Gary, Indiana, was a global star; he was a best-selling music artist the year he died. He was influential in music and dance, and also the fashion world.To mark the anniversary of Jackson's death, ABC will air a two-hour television special that pays tribute to the legacy of the iconic singer. It will take a look at his childhood, career and the work behind his comeback concert, "This is It," that he never performed.Never-before-seen interviews Jackson conducted with journalists will be featured. HOW TO WATCH 1026

INDIANAPOLIS — A man who had to be rescued from a retention pond on Indianapolis' northeast side Monday after he jumped in to rescue his dog has died. The incident happened in The Masters apartment complex at about 11:30 a.m., near Masters Road and E. 91st Street.The Indianapolis Fire Department says the man went after one of his dogs when the pup went into the icy water.The victim, a man in his 20s, was not able to get out of the water.Two residents of the complex saw the man trying to rescue his dog and tried to help. Both fell into the water but were able to get out and were treated at the scene for non-life threatening injuries. The victim was pulled from the water by a rescue team and rushed to St. Vincent Hospital where he later died. His identity has not been released. The victim's dog is expected to be OK.  859

It has been 11 years since the federal minimum wage has increased, and Congress is weighing if now is the time to give minimum wage employees a raise.One economist cautions that now might not be the best time.“The big problem then is if you fundamentally raise the cost of their labor by raising the federal minimum wage in states where that will have an impact, then you’re further increasing the businesses’ cost,” said Ryan Bourne, economist from the Kato Institute. “Which is likely to make more businesses fail and actually result in fewer jobs being available for low-wage workers.”According to the Cato Institute, 29 states and the District of Columbia have minimum wages that are above the federal minimum of .25.“This seems to be a particularly bad time to raise the cost of hiring people by having a higher hourly wage rate,” Bourne said. “It might deter some of the adjustment we need to live with this virus.”But fellow economist Ben Zipperer of the Economic Policy Institute disagrees with Bourne’s assessment.“That kind of concern has always been raised when we’re talking about the minimum wage, and it doesn’t seem to actually play out in reality,” Zipperer said.Zipperer argues that raising the minimum wage could boost economic activity. He added that a minimum wage hike, while not a panacea, would put the economy in the right direction.“Giving people more money to have more money to spend, that’s probably one of the most effective policies to have during a kind of depression,” he said. 1519

It is possible the "Oumuamua" space object that went past the sun in 2017 is an alien object sent toward Earth to observe our civilization.Scientists said it has high speeds and an unusual trajectory, as it has come from outside of our solar system.The interstellar visitor appears to be the size of a stadium, reports say. Scientists believe its shape and speed set it apart from the usual comets and asteroids they see. 434

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