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When you sit down to do your taxes in the next six months, there are some things you need to know. There'll be a lot of changes to what you can deduct when you file your taxes next year.Elaine Espinola is one of the 150 million Americans who is gearing up to file a tax return under the new law."Sounds like I can't deduct a lot of things that we had been,” Espinola says.Shes right.Tax expert Ed Karl says the tax bill that passed last December is the biggest overhaul to the tax code in over three decades."Nothing of this magnitude since 1986,” Karl explains. 575

With health experts warning about the possibility of a "twindemic" — a bad flu season combined with COVID-19 — officials are urging everyone to help by getting a flu vaccine this fall.Lisa Rasmussen is not living the retired life that she once dreamed."I became a flu widow at age 55," she said.Four days before their 29th wedding anniversary, Rasmussen's husband Paul died at the age of 57."I had to spend the day of my anniversary in a funeral home making arrangements," she said.That was in April of 2016. Four years later, it's still painful for Lisa. She's still grieving — and she's angry."I think I'm always going to be a bit mad at him because his death was preventable and because he didn't listen to me when I tried to talk him in to getting flu vaccines," Rasmussen said.Today, Rasmussen spends her time traveling and advocating for Families Fighting Flu. The national non-profit is dedicated to increasing vaccination rates and advocating on behalf of families who have lost loved ones to influenza."Maybe it's my revenge — I shouldn't call it revenge — but it's my way of dealing with it: With the anger, frustration and grief that I have," she said. "I just don't want to see what other people to have to go through what I did."Every year on Oct. 4 — her late husband's birthday — Rasmussen gets her flu shot, in his honor.Dr. L.J Tan, the Chief strategy officer for the Immunization Action Coalition, says that most people don't get vaccinated for the flu not because they're against vaccines, but because it's not convenient."The people who adamantly refuse to get the flu vaccine is actually a small percentage for the other people who end up not getting the flu vaccine," Tan said. "A lot of time it's because flu is a vaccine of convenience."The Immunization Action Coalition is the largest private sector non-profit that helps educate and support health care providers about all immunizations, including the flu. Tan joins other experts who are worried about this year's seasonal flu."We don't want flu and we don't want COVID together and there are reasons for that," Tan said. "We have chronic diseases, chronic illness — COVID-19 will have a serious impact on you. We also know that's true of flu. If you're over 60 or 65, COVID has a serious impact on you. We know that's true of flu as well."The flu vaccine covers four strains and will either protect a person entirely or reduce their chances of contracting severe or serious influenza.Some experts believe that the 2020 flu season won't be as severe due to social distancing measures already in place. But that's not a risk Tan is willing to take."Here's the problem: If I pray for that and that outcome happens, everyone is going to tell me, 'Why are you crying chicken little? Why were we all getting vaccinated against the flu?'" Tan said. "I don't know if that's the outcome. Why are we gambling? We have a vaccine that's safe, that's effective."Rasmussen agrees."Save the ventilators for the people who have COVID," she said. 3015

When he was diagnosed with two autoimmune diseases, Joel Hechler knew he’d be in for a battle. He didn’t realize maybe his toughest one would be with his insurance company.“I think they put the dollars ahead of a patient’s health,” Hechler said. “I don’t think they fully understand the impact the medicine will have on my long-term health and well-being."Hechler suffers from Crohn’s disease and ulcerative colitis, diseases that attack the lining of his digestive tract. Autoimmune conditions like his can’t be cured but, with the right medication, the symptoms can be controlled.  Finding the right medicine can be hard for those suffering from autoimmune diseases. Even if there are scores of drugs on the market, some patients might only respond to one. In Joel’s case, his doctor thought he’d have a better chance trying a drug called Remicade.“I received a letter from my insurance company that denied the Remicade on the basis that I have to try a different drug before I can get to Remicade," Hechler said.Hechler's insurance company, Premera Blue Cross, wouldn’t approve the drug his doctor prescribed because they wanted him to try a cheaper one first.It’s part of a program that health insurers nationwide use called step therapy, requiring that patients try less-costly drugs before “stepping up” to more expensive ones — even if doctors believes the cheaper drug won’t work.Dr. Larry Adler is president of Huron Gastro in Ypsilanti, Michigan and says he spends virtually every day battling insurance companies over step therapy drugs.“They have to fail this medicine first before they get the new drug,” Adler said. “That doesn’t make any sense.”Adler says it's common for patients to get sicker while waiting for step therapy to run its course.In Hechler's case, it took six weeks of fighting with his insurer to convince them that the cheaper drug wouldn’t be effective. As he was waiting, he was getting worse.“It got to the point where I had to be admitted to the hospital,” Hechler said. "I was very, very sick.”Step therapies are used by insurers to try to control skyrocketing prescription medicine costs, says Glen Perry, Director of Pharmacy Contracting and Sales for Blue Cross Blue Shield of Michigan.“These drugs can cost up to 0,000 per year. These are not cheap medications,” Perry said.“It seems like you’re telling patients that, in many cases, your insurer knows what’s best for you, rather than your doctor,” Jones said.“We are trying to provide the most cost effective and safe medication use,” Perry said, adding that when a doctor and insurer disagree over a drug, they can usually resolve the case within a few days without putting a patient at serious risk.“A delay of one or two days I don’t think is really going to make that much of a difference for the medical outcome of the patient," he said.But for many patients, like Phyllis Toole, the delay is longer than a few days.Phyllis suffers from rheumatoid arthritis, a condition where her body attacks her joints. When her doctor wanted to put her on Orencia, her insurance company HAP said she needed to first try a less expensive drug, Humira.But Phyllis’ doctor was worried about possible side effects and thought Humira could be risky.After battling for months, Phyllis says the whole thing made her feel more like a number than a patient. With her doctor and insurer in a standoff, she was forced to rely on samples of the drug she got from her doctor. HAP never approved her prescription.“They’re playing doctor, is what it feels like,” Toole said. “They’re saying this is what you can have for the symptoms you have. It may make you sicker, but this is what you can have.”HAP issued the following statement to Scripps station WXYZ in Detroit: 3800

While Democrats are projected to take control of the US House, the party hoped that a blue wave would include winning a number of major gubernatorial seats. But in two larger states, Republican candidates hung on and won in Florida and Ohio. This came as some polls showed Democrats leading in those states heading into Tuesday's Election Day. In Florida, Republican Ron DeSantis held off Andrew Gillum, the Democrat who is the mayor of Tallahassee. DeSantis held a 1-percent advantage with more than 99 percent reporting. In Ohio, Republican state Attorneys General Mike DeWine defeated Democrat Richard Cordray. Cordray was previously appointed to the Consumer Protection Finance Board by President Barack Obama. DeWine had previously defeated Cordray in 2010 for the state's AG position. In a fierce battle in Georgia, Democrat Stacey Abrams said she is vowing to continue her fight despite trailing Republican Brian Kemp by a 51 to 48 margin late on Tuesday. The only county with outstanding votes remaining is the Democratic stronghold of Fulton County, which includes the city of Atlanta. If Kemp falls below the 50-percent threshold, the race will go to a runoff. Kemp has come under fire from Abrams' campaign for administering the election as secretary of state while running for governor. Abrams' campaign added that they expect that there are still nearly 45,000 uncounted votes in Democratic-leaning counties from paper ballots.In Iowa, Republican Kim Reynolds, who was previously the lieutenant governor of the state, defeated Democrat Fred Hubbell in a tight race. Although the results were disappointing for Democrats in Florida in Ohio, the Democrats have turned over at least four governor's seats on Tuesday. In Kansas, Democrat Laura Kelly is projected to win the seat there. Congresswoman Michelle Lujan Grisham was elected to New Mexico's governor seat. J.B. Pritzker, a first-time candidate and venture capitalist, won the governor's seat in Illinois. Former Michigan state senator and prosecutor Gretchen Whitmer was elected as the governor of Michigan.  2185

What color is your county and state?The Harvard Global Health Institute released an interactive map on Wednesday that shows the risk of contracting the coronavirus based on daily new cases per 100,000 people.Based on Harvard's guidelines, three US states need to implement stay-at-home orders, while an additional 13 should consider them. The map has four colors – green, yellow, orange and red – to demonstrate the risk by county and state. The map shows three states – Arizona, Florida and Mississippi – in the red for where infections are high. Just two states – Hawaii and Vermont—are in the green. While Hawaii requires face coverings in public setting such as retailers despite being one of only two states without community spread, the three states in red have not implemented mandatory face coverings in public. "We've left it to the locals to make decisions about whether they want to use coercive measures or impose any type of criminal penalties. We're not going to do that statewide," Florida Gov. Ron DeSantis said on Tuesday.According to Harvard Global Health Institute, when areas are shaded red, stay-at-home orders become necessary. So far, Arizona, Florida and Mississippi have not reinstituted stay-at-home orders despite being in the red. Arizona and Florida did announce that most bars can no longer serve alcohol on site.“The public needs clear and consistent information about COVID risk levels in different jurisdictions for personal decision-making, and policy-makers need clear and consistent visibility that permits differentiating policy across jurisdictions”, said Danielle Allen, director of the Edmond J. Safra Center for Ethics at Harvard University. “We also collectively need to keep focused on what should be our main target: a path to near zero case incidence.”Thirteen states are in the orange, meaning those states should consider either implementing stay-at-home orders or conduct rigorous tracing programs, Harvard said..“Local leaders need and deserve a unified approach for suppressing COVID-19, with common metrics so that they can begin to anticipate and get ahead of the virus, rather than reacting to uncontrolled community spread”, says Beth Cameron, Vice President for Global Biological Policy and Programs at the Nuclear Threat Initiative and a member of the COVID-Local.org team. “Unless and until there is a whole of government response, with measurable progress communicated similarly and regularly across every state and locality, U.S. leaders will be left to react to the chaos of the virus - rather than being able to more effectively target interventions to suppress it. “COVID RISK LEVEL: GREEN- Less than one case per 100,000 people- On track for containment- Monitor with viral testing and contact tracing programCOVID RISK LEVEL: YELLOW- 1-9 cases per 100,000 people- Community spread- Rigorous test and trace programs advisedCOVID RISK LEVEL: ORANGE- 10-24 cases per 100,000 people- Accelerated spread- Stay-at-home orders and/or rigorous test and trace programs advisedCOVID RISK LEVEL: RED- 25 or more cases per 100,000 people- Tipping point- Stay-at-home orders necessaryClick here to view the map. 3170