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Diana Farrell is the President and CEO of the JPMorgan Chase Institute, which publishes data analyses and insights that leverage the firm's proprietary transaction data. Previously, Diana was the Deputy Director of the National Economic Council, as well as Global Head of the McKinsey Center for Government and the McKinsey Global Institute. The opinions expressed are her own. The deadline to file your 2017 taxes is just a week away. But if you're one of the millions of Americans — roughly four in ten households — who filed back in February, you probably couldn't wait to get your hands on your expected refund.And there's a good chance you put that refund toward a visit to the doctor.That's according to new research by the JPMorgan Chase Institute, which evaluated when Americans in different income and demographic groups file their taxes.Americans who file their taxes early are more likely to receive a larger tax refund. Early filers were also more likely to spend a larger portion of their refund on health care.Related: How to save money on health care in retirementIn fact, American families increase their health care spending by 60% in the very week they receive a tax refund. And those who received their refunds in February increased their health care spending over the following 76 days by 38%, compared with a 22% increase for those who received refunds in March and an 11% increase in April or May.While some high-deductible health plans encourage early-year spending, JPMorgan found that deductibles aren't the motivating force behind this surge.Instead, among the earliest filers, 64% of their health care spending went to services they had been putting off, including dental visits, hospital visits and in-person doctor appointments.What does this mean? It's increasingly clear that families are treating their tax refunds as a zero-interest savings vehicle, the funds of which they're using for important and sometimes crucial expenses like health care.That's problematic for Americans' financial health, because the IRS does not currently give taxpayers control over the timing of their refund payments, outside of choosing when to file your annual refund between January and Tax Day in April. This means it can be challenging or unrealistic to only schedule payments or purchases around your tax refund every spring.It also poses problems for Americans' physical health, because those who rely on this cash infusion to afford health care are likely to delay care.Related: Americans spend more on health care, but have shorter livesGenerally speaking, young people under the age of 35 and those whose take-home pay is less than ,000 are more likely to be early filers because they have a greater need for this cash infusion.Another reason for filing early could be that low-income families are more likely to receive refundable tax credits, such as the Earned Income Tax Credit, money that is not available except through a tax refund. Across all income and age groups, though, people who are owed a larger refund are more likely to file early.Given the link between tax refunds and health care spending, policymakers and employers should consider making changes that would allow consumers to access funds throughout the year. Policymakers might consider offering periodic tax refund payments -- perhaps quarterly payments so that families wouldn't have to defer care until tax season.Another solution is to make the timing of these payments even more flexible and frequent for those who require urgent health care. This could include an option to apply for emergency funds taken out of your upcoming refund, or an option to file at a different time of year and receive a refund based on year-to-date income.Related: How to file your taxes for the first timeBy fixing one of the largest cash flow events to happen between mid-February and mid-May every year, we're virtually guaranteeing that some Americans will have to defer care.Finally, we should encourage employers to offer alternative savings vehicles, like an employer-based sidecar account. This account would share many of the same features of a tax refund, but give consumers more direct control over when they access funds.These could include built-in commitments and "set-it-and-forget-it" transparency, which would enable consumers the option of a one-time payroll election that recurs with every paycheck, locking them into an annual savings choice similar to other employer-sponsored benefits.By better understanding the connection between health care spending and tax season, we can help more families manage their finances to ensure they're getting health care when they need it, not just when they file to Uncle Sam.The-CNN-Wire 4734

EL CAJON, Calif. (CNS) - An unattended kitchen stove was blamed for an apartment fire in El Cajon Tuesday evening that caused damage to six apartments and displaced at least 20 residents.Deputies responded to the 400 block of East Bradley Avenue, near Magnolia Avenue, about 7:25 p.m. and found a second story apartment fully engulfed in flames, according to Sgt. Patrick Fox of the San Diego County Sheriff's Department.The fire immediately threatened at least 10 apartments, all of which were evacuated, and an additional 10 apartments directly south of where the fire occurred were evacuated as a precaution, Fox said.Firefighters from the San Miguel, Santee and El Cajon fire departments were able to extinguish the flames and deputies learned no one was inside the apartment when the fire started, he said.The occupants of the apartment where the fire began were interviewed by authorities and it was determined the kitchen stove was left on and unattended, sparking the fire, Fox said.No injuries were reported, but one apartment was damaged by fire, one unit sustained water damage and four others sustained water and smoke damage, Fox said.Residents of the 10 apartments south of where the fire started were allowed to return home, but about 20 residents from the other 10 apartments remained evacuated due to the power in those units being turned off. San Diego Gas & Electric crews were working to restore power, Fox said.The Red Cross set up a temporary staging area for affected residents in the Kelly's Pub parking lot, 719 E. Bradley Ave. 1564

Editor's note: A full statement from the head of IU Health was released Thursday evening. A copy of that statement is included at the end of this story. INDIANAPOLIS, Ind. — A Black Indianapolis physician died on Sunday with COVID-19 after she complained of racist treatment from IU Health North Hospital, according to her family. In a now-viral video, Dr. Susan Moore recorded her every step when seeking treatment after contracting COVID-19 on Nov. 29. Moore claimed she had to beg for CT scans and a drug that could significantly reduce her recovery time called remdesivir. "Why do I have to prove that there’s something wrong with me in order for my pain to be treated," Moore wrote on her Facebook post. After receiving two transfusions of remdesivir, Dr. Moore asked for a third because she was in so much pain. But, the white doctor on her case denied her request. Moore said the doctor claimed he didn't feel "comfortable" giving her any more narcotics. The doctor even tried to send her home after she complained of excruciating neck pain."I was crushed. He made me feel like I was a drug addict, and he knew I was a physician," Dr. Moore said in a Facebook video posted on Dec. 4 from her hospital bed. "I don't take narcotics."After speaking with a patient advocate, Moore said she asked to be moved to another hospital. "If they're not going to treat me here properly, send me to another hospital," she claimed. "Next thing I know, I'm getting a stat CT of my neck with and without contrast."The CT showed that Moore's pain was coming from new pulmonary infiltrates in her lungs and pleural effusion, according to Moore. The hospital staff said they would then treat Moore's pain. "I put forward and I maintain if I was white I wouldn't have to go through that," Moore stated. "And that man never came back and apologized."According to Moore, she continued to wait for hours to get the pain medicine that IU North said they would give her. When she complained to nurses, they fired back, allegedly claiming they "have more patients than you, you know?""This is how Black people get killed. When you send them home and they don't know how to fight for themselves," Moore said toward the end of the video. "Being Black up in here, this is what happens."After talking further with IU Healthcare's chief medical officer, Moore updated that she received much better treatment. She was still sent home, but less than 12 hours later, she was back in the hospital. This time, she went to St. Vincent Hospital in Carmel, where she said, "I am getting very compassionate care. They are offering me pain medicine.""Those people were trying to kill me. Clearly, everyone has to agree they discharge me way too soon," Moore wrote. The 54-year-old's seventh and final update said, "On (BiPAP) being transferred to ICU."Moore leaves her parents, both suffering from dementia, and her 19-year-old son, Henry Muhammed. After graduating from Carmel High School last year, Muhammed enrolled at Indiana University at Bloomington. But, after his grandparents and mother fell ill, he had to put his schooling aside to aide them. His former high school coach, Rashad Elby, wrote this about Muhammed:"For those of you not familiar with Henry and his struggles, he is a young man whose life to date is best summed as a story of obstacles, perseverance, and triumph. Through Henry’s tenure at Carmel High School, he faced many unforeseen adversities that were out of his control."Elby and another local physician close to Dr. Moore created a GoFundMe fundraiser on Wednesday for Muhammed, who is currently one of the only few left caring for his grandparents. The fund has almost raised ,000 from supporters across the country. "Henry greatly appreciates the outpouring of love from supporters near and far," Elby wrote as an update on the GoFundMe page. In a statement provided to WRTV, an IU Health spokesperson said: 3917

EL CAJON (CNS) - One person has died in a traffic collision today just south of El Cajon, along northbound State Route 125 at Kumeyaay (8) Highway, authorities said.It occurred at 12:40 a.m. and was reported as being between a tow truck and another vehicle, a California Highway Patrol dispatcher said.The scene was cleared by authorities just before 3:40 a.m., the CHP dispatcher said.A La Mesa Police Department dispatcher said they assisted with some traffic control during the incident response.No other information was available. 542

Donald Glover has revealed he and his partner Michelle White have welcomed a third son into their family, according to an interview he gave GQ magazine.The actor, musician, director and writer is famously private. The admission came during an interview with "I May Destroy You" star Michaela Coel for GQ magazine“You know I had (a kid) during the coronavirus,” Glover tells Coel.“I was in the hospital bed. My son had just been born, like, an hour before and I was watching the George Floyd video. It was such a weird moment. It was such an intense, weird moment, because I’m watching that video and it’s like eight minutes long, so you’re sitting there and I had just had this amazing, joyful, expanding moment, plus my dad had passed away recently, so [my son] was named after my father... I don’t even know what, really, the word is to describe it. It was just expanding: the empathy and compassion and the terror and the joy of it.”Glover and White have three sons; Legend was born in 2016, Drake in 2018, and now Donald in 2020. His father, Donald Glover Sr., died in 2018.Glover and Coel talked about a variety of topics in their interview, including current and past projects, being Black in the television industry, racial justice, and a shared passion for writing. 1281