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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

Israel has launched air strikes on Gaza after Hamas militants fired rockets into its territory amid efforts to achieve a long-term ceasefire agreement.The fighting Wednesday left three Palestinians dead in Gaza, including a pregnant mother and her young daughter, according to the Palestinian Ministry of Health, with injuries reported in Israel and Gaza.According to the Israel Defense Forces (IDF), at least 100 rockets were launched from Gaza toward Israel, with rocket alarms ringing into the early hours of the morning. Twenty rockets were intercepted by Israel's Iron Dome aerial defense system, while most others landed in open fields in southern Israel.Three people were taken to the hospital with light to moderate injuries when four rockets landed in Sderot adjacent to Gaza, a spokesman for Magen David Adom, Israel's emergency response service, said.Following the rocket launches, the Israeli air force struck more than 140 military targets across 20 sites in Gaza, including a factory for manufacturing facilities, training complexes, a maritime tunnel shaft, and other sites, according to the IDF.The Palestinian Ministry of Health identified the deceased as 34-year-old Ali Ghandour, 23-year-old Inas Khamash, and her 18-month-old daughter, Bayan Khamash. Twelve others were injured, the Ministry said.Warning of the imminent dangers of continued escalation, UN Special Coordinator for the Middle East Peace Process Nickolay Mladenov tweeted a statement early Thursday morning: "Our collective efforts have prevented the situation from exploding until now. If current escalation however is not contained immediately, the situation can rapidly deteriorate with devastating consequences for all people."The escalation came after Hamas leaders traveled to Cairo in recent days to discuss the possibility of a long-term ceasefire with Israel.Khalil al-Hayya, a member of Hamas' political bureau, said in a televised Al Jazeera interview Wednesday that the general layout of a ceasefire agreement was in "advanced stages."Israel's security cabinet has also discussed possible options relating to Gaza.Israel's Minister of Transportation, Israel Katz, said over the weekend on Twitter, "The situation in Gaza is reaching a decision -- or an arrangement or a war." Katz said he would support an Egyptian-backed agreement that provided aid and rehabilitation to Gaza.But on Sunday, following a security cabinet meeting to discuss the situation in Gaza, a readout of the meeting from the Prime Minister's Office said only that the IDF Chief of Staff had briefed the cabinet on the latest developments in Gaza. No decisions had been made.Earlier Wednesday, an Israeli tank struck a Hamas post in northern Gaza, after gunfire from Gaza damaged an Israeli engineering vehicle near the border fence.In a separate incident on Tuesday, an Israeli tank struck a Hamas military post in northern Gaza, killing two militants. Israel carried out the strike after the IDF claimed Hamas snipers fired at Israeli security forces near the border. Hamas says the two men were taking part in an exercise and did not fire at Israel.Hamas vowed to avenge the deaths, prompting Israel to shut down roads near Gaza for security reasons.Efforts to achieve a comprehensive ceasefire come after months of violence along the Israel-Gaza border.In late-March, Palestinians began weekly protests dubbed the "Great March of Return" along the border fence. More than 160 Palestinians have been killed by Israeli fire in the protests, according to the Palestinian Ministry of Health.Israel has accused Hamas, which controls Gaza, of orchestrating the protests, during which the IDF says rioters have thrown Molotov cocktails, burned tires, and hurled grenades. An Israeli soldier was killed by sniper fire from Gaza in late-July, the first soldier killed along the Gaza border since the 2014 war.Israel has maintained a land, sea and air blockade on the coastal enclave since June 2007, when Hamas took over Gaza.The blockade effectively locks the more than two million Gaza residents inside the territory and is seen by the UN as a major contributor to the deterioration of living conditions there. Israel says it's a necessary security measure. 4250

INDIANAPOLIS – Police collected 181 guns during a gun buyback event Saturday in Indianapolis.The event was one of the events conducted by local pastors during the “Cease Fire Weekend” Nov. 2-4.Indianapolis Metropolitan Police Department officers handed out a total of ,300 in gift cards to those who dropped off firearms.IMPD said the key funding partners were the Indy Public Safety Foundation, Mothers Against Violence, and Dr. Jason Bowlds.Those interesting in donating to help IMPD in their long-term violence reduction strategy can do so online. 566

It's been an above-normal day of controversy in Washington D.C. with regard to President Donald Trump and his border wall funding needs.The President met with the top House and Senate Democrats at the White House to talk about the funding, which, if it continues dividing the government, will lead to a shutdown.The deadline for the border wall funding to be approved is Dec. 21 — the end of a current funding extension lawmakers passed after the death of former President George H.W. Bush. Here are some things to know about the situation:? Trump says he will "proudly" shut down the government if Congress doesn't approve his request for billion for the border wall and security, which is designed to keep people in Mexico from crossing into the U.S. illegally 773

INDIANAPOLIS -- A father died Sunday evening from the injuries he sustained while rescuing his 3-year-old daughter from a vehicle after it rolled into a pond on Indianapolis' north side.Divers and rescuers were called to a pond on Fluvia Terrace after 4:30 p.m. local time. Witnesses told police that the father had stopped to talk to someone and left his 3-year-old in the vehicle. The child hit the gear and shifted the car into reverse, rolling it into the pond. The father and another man ran after the vehicle and were able to pull the child out. She was awake and talking to rescuers, according to Rita Reith with the Indianapolis Metropolitan Police Department. The child was taken to the hospital in critical condition. The child's father, who could not swim, was submerged in the water for roughly ten minutes. He was pulled out by rescuers and rushed to the hospital without a pulse. He later regained his pulse but was unable to survive his injuries and died just after 11:30 p.m.He was identified as Anthony Burgess Jr., 24. The bystander who helped rescue the child was also taken to the hospital and treated for hypothermia.   1218