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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 seems people are not letting the coronavirus pandemic damper their holiday spirit as more than 3 million travelers took to the skies the weekend before Christmas.According to The Transportation Security Administration daily tally tracker, 1,064,619 people flew on Sunday, 1,073,563 traveled on Saturday, and 1,066,747 were screened on Friday.This marks the first time since March 16 that checkpoint numbers were over 1 million on consecutive days.Despite an increase in travelers, the amount of Americans traveling before Christmas was nowhere near the amount that traveled the weekend before Christmas last year - that weekend, TSA screen 7.6 million Americans.The surge in travelers comes despite the Centers for Disease Control and Prevention advising Americans to stay home and not travel during the holiday to slow the coronavirus spread. 854

INDIANAPOLIS, Indiana — After 15 suspicious packages containing pipe bombs were mailed to prominent Democrats, a former president and media across the country by a serial bomb maker, now there are new questions being raised about why the packages made it through the post office system without being caught. The mail bombs never detonated, but how did the packages get dropped off, sorted and sent to places across the country without ever getting stopped for being suspicious? WRTV television station in Indiana dug into what happens to your mail after it goes into the system and found that most mail never goes through any type of security screening during its travel to you. In fact, the post office says many items never get screened at all.The United States Post Office handles more than 500 million pieces of mail every single day. They say they simply deal with too much mail to screen every package individually. So, how does the post office keep us safe with so much stuff traveling through the system? The USPS Postal Inspectors say it has a specific program called the Dangerous Mail Investigations Program, which takes over when suspicious packages come through a facility.Recognizing suspicious mail starts with post office employees, according to USPS’ Domestic Mail Manual. Each post office employee is specifically trained to notice packages that are out of place or look odd. They also have specialized technology in some facilities that sniffs out explosives or chemicals that are inside mail. The employees and technology don't catch everything, but the post office says they do catch suspicious items. USPS also says they rely on people also receiving the mail to be on the lookout for suspicious items.According to USPS, the appearance of mail bombs may vary greatly, here are some characteristics that have repeatedly shown up: 1908

In retrospect, the warning signs were there.Before Devin Patrick Kelley carried out the deadliest mass shooting in Texas history on Sunday, the former airman:? Was charged in military court with assaulting his then-wife and stepson, spent 12 months in a military prison and received a bad-conduct discharge;? Was obsessed with a family dispute and sent threatening text messages to his mother-in-law, investigators said;? Was charged with animal cruelty on suspicion of beating a dog;? Posted pro-gun violence content and a picture of a rifle on his Facebook page, according to former classmates and community members. 626

INDIANAPOLIS — A special prosecutor chose not to press charges against Indiana Attorney General Curtis Hill, after four people accused him of sexual misconduct. The alleged sexual misconduct happened in the early morning hours of March 15, 2018, at a party at A.J's Bar in Indianapolis. The alleged behavior included suggestive statements and unwanted touching by Hill.  Hill did not deny touching occurred but said it was either incidental to conversation or movement in the bar, according to the prosecutor's report.The special prosecutor, Daniel Sigler, investigated a potential charge of misdemeanor battery. Fifty-six witnesses were interviewed during the investigation, and a video statement was obtained by Curtis Hill."Mr. Hill was cooperative with my requests throughout the process as were all witnesses interviewed," Sigler wrote in his statement. Sigler said he found the women's claims as "true and credible.""Their motives appeared sincere and I found all to be credible in their belief that Hill touched them in a way that was inappropriate," Sigler wrote. "The decision made today should not and does not reflect on their credibility," Sigler wrote at the end of his statement. "They addressed their concerned in an appropriate fashion and forum and should be subjected to no criticism."The Indiana Inspector General also released a report about the investigation. The Inspector General's report is more detailed in those interviewed, and the exact allegations against Hill. Of the 39 people interviewed who attended the party at A.J.'s Bar, 20 of them said Hill appeared to be intoxicated. When asked why they believed that, some said he was slurring his words or had trouble standing up. One witness described him as "acting like a freshman at a college frat party," while another said he behaved in a "predatory, intoxicated manner." Another 15 people at the party said they couldn't comment, weren't sure, or couldn't remember if Hill was intoxicated. Four said they didn't believe he was intoxicated. The initial accusation against Hill came from Mara Candelaria Reardon, an Indiana State Representative from Munster, Indiana. She told investigators Hill put his hand on her back at the party, then slid it down her dress and grabbed her buttocks. She said she told him to back off, then left the conversation.Later in the evening, Reardon said Hill returned to her and touched her back. She reported that Hill said "that back, that skin" when he touched her.The investigators interviewed a male witness to the incident, who said he saw Hill touch her "with his own two eyes." Other witnesses said they saw them together and saw Hill touching her back, but didn't see how far down his hands went. One of those witnesses said Reardon approached him and said that Hill was "a creep," but said she didn't elaborate further.Hill's second accuser told investigators he approached her and started rubbing her back. She told investigators "she felt trapped," and was uncomfortable and embarrassed, and afraid of how others would see what happened. A third accuser told investigators Hill approached her and made her uncomfortable with the conversation. She said she told him "it's really hot in here," and Hill replied, "Yes, you're really hot."In addition to the known four public accusations, investigators also learned of two more incidents where people stated they were made uncomfortable by Hill's actions at the party, according to the Inspector General's report.“While the findings of our investigation did reveal unacceptable behavior by a state officeholder, and which significantly impacted those affected, we respect the grounds on which Special Prosecutor Sigler made his decision,” Inspector General Lori Torres said. In an announcement shortly after Sigler's, the women who accused Hill said they are pursuing a civil lawsuit against him. Hill's attorneys released a statement about the announcement. It reads, in part: 4065