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While it's true that premiums for the popular silver Obamacare plan could shoot higher for 2018, most enrollees will actually end up paying less for coverage next year.In fact, more consumers will be able to snag policies that will cost them nothing each month.How can that be?It's because premium subsidies are soaring too, making many plans on the exchanges more affordable.The Trump administration, however, is stressing how much premiums will rise, saying this is yet another sign that Obamacare is irreparably broken. They are downplaying the fact that the subsidies will cover most, if not all, of the cost.Obamacare advocates worry that consumers will be scared off by the news that premiums are skyrocketing for next year. They plan to highlight the fact that many people will be able to find lower-premium policies thanks to the subsidies.Even the Trump administration found that Obamacare plans will be more affordable next year. Some 80% of enrollees will be able to find a policy for a month or less -- up from 71% this year and the highest share so far."This year, more people than any previous year have access to a plan for or less," said Josh Peck, a former Obama administration official and co-founder of Get America Covered, which is promoting enrollment for 2018. "That's what we want everyone to know."Here's why this is happening:Many insurers jacked up the rates of their silver plans in part to make up for President Trump ending federal support for Obamacare's cost-sharing subsidies. These subsidies reduce deductibles and co-pays for lower-income enrollees.Premiums for the benchmark silver Obamacare plan will soar 37%, on average, for 2018, according to federal data released Monday.The premium subsidies are pegged to a benchmark silver plan in each market. So if that plan's rate rises, the value of the subsidy does too. More than eight in 10 Obamacare enrollees receive premium subsidies.Insurers, however, did not hike the price of bronze or gold plans nearly as much. The rate of the lowest-cost bronze plan is rising 17%, on average, while the cheapest gold plan is going up 19%, according to the Kaiser Family Foundation.That means the more generous premium subsidies will cover more of the monthly cost of these plans, so consumers will pay less.A 40-year-old earning ,000 will pay 75% less, on average, for the cheapest bronze plan and 21% less for the lowest-cost gold plan, according to a new analysis by the Kaiser Family Foundation. A 40-year-old earning ,000 will see a 28% drop in the price of the cheapest bronze plan, and an 8% decrease in the least expensive gold plan's premium.Bronze plans have lower premiums, but their deductibles are higher -- nearly ,900, on average, for an individual in 2018, according to a new report from Health Pocket, an online health insurance shopping tool. Meanwhile, gold plans have higher premiums, but their deductibles are only ,320 on average for a single enrollee next year.The cheapest gold plan will have lower premiums than the least-expensive silver plan in 459 counties next year once subsidies are factored in, Kaiser found. Silver plans will have an average deductible of just over ,000 next year.Many more consumers will be able to enroll in bronze plans and pay nothing each month. For instance, a 48-year-old consumer earning roughly ,000 can find a zero-premium policy in nearly 1,050 counties next year, up from 132 counties in 2017, according to an analysis by Oliver Wyman consulting group.Not everyone, however, will be so fortunate. Enrollees who don't qualify for premium subsidies -- those who earn more than ,000 as an individual or ,500 for a family of four in 2018 -- may be hit with the full premium hike. They may be better off buying bronze or gold plans or looking for individual coverage outside of the Obamacare exchanges.  3877

While Congress takes its time, major brands are stepping up to help small businesses.“That grant helped us tremendously to kind of keep everybody, give everybody a level of comfort that the company was on a solid financial footing, at least for a couple of months,” said Rohan Freeman, owner of 7 Summits Construction.Freeman owns a small construction company in Hartford, Connecticut, which received a ,000 dollar grant from Lowe’s that kept them from having to lay people off.Monday, Lowe’s opened its grant application process for small businesses, again. It runs through Sunday. Lowe’s says it will give million in grants.“We're seeing the impact that, you know, us having the ability to stay afloat and stay in business, having the community and now some of our nonprofits and some of our smaller clients are moving forward with their projects,” said Freeman.“As soon as we get to 2021, the pandemic doesn't go away and small businesses don't pick up from where they left. We need to continue to support them and ensure their future viability online,” said Liz Austin with eBay.eBay has helped small businesses during the pandemic by giving another 0,000 to 50 small businesses in grants.You can apply for a grant from eBay through December 11. Click here to learn more.eBay is also featuring small businesses on their holiday marketplace Pinterest and Instagram accounts. 1395

While the Centers for Disease Control and Prevention is urging Americans not to travel this holiday season, it's clear that many will choose to do so anyway.Between Nov. 25 and Nov. 29 — the height of the Thanksgiving travel surge —the Transportation Security Agency (TSA) said it screened about 4.5 million travelers. While that represented 39% less travelers than last year, it represented the most travelers the agency had screened since the start of the pandemic.With another surge in travel expected for Christmas and New Year's, the TSA has offered some helpful tips when it comes to packing luggage for the holiday season.Packing giftsDo not pre-wrap gifts: Gifts need to be screened like any other piece of luggage, meaning gifts need to be unwrapped if they need to be inspected. The TSA suggests wrapping once you reach your destination, or wrapping in a gift bag.Be sure to pack gifts that contain large amounts liquid, like perfumes, gel candles or snow globes, in a checked bag. TSA allows containers with 3.4 ounces of liquid or less for carry-ons.Snowboards, snowshoes and ice skates can be carried on, but be sure to check with airlines about a plane's overhead bin space. Skis and ski poles will need to be checked.Packing foodHomemade baked goods and other treats can be carried on, but any sort of jams, jellies or syrups are liquids and should be checked if they're in a container larger than 3.4 ounces. A rule of thumb? "If you can spill it, spray it, spread it, pump it or pour it, then it should be packed in a checked bag if the container is larger than 3.4 ounces."Higher-proof alcoholic beverages (between 24% and 70% alcohol by volume) are limited in check bags to five liters a passenger. Any beverage with less than 24% alcohol by volume has no size limit in a checked bag.Mini bottles of alcohol can be carried on, as long as they are less than 3.4 ounces and fit "comfortably" in a single quart-sized bag.Packing electronics Electronics to be given as a gift can be carried on, but remember to place electronics larger than a laptop in their own bin with nothing above or below it.TSA allows drones past checkpoints, but double-check with airlines on their policies about transporting drones.Remember, loose lithium batteries are prohibited in checked bags. Click here to learn more about the FAA's policies about lithium batteries. 2372

Will you accept President-elect Biden's offer to serve as his chief medical adviser? -@SavannahGuthrieAbsolutely, I said yes right on the spot. -Dr. Anthony Fauci pic.twitter.com/lHr3z1v3vo— TODAY (@TODAYshow) December 4, 2020 234

While we don’t know yet what the impact of the storm will be for our local teams, the safety of our employees and drivers is always our top priority. We have begun proactively closing operations facilities temporarily in the potential impacted areas. We will pay Amazon employees 100 percent of regular time if their facility temporarily closes and are prepared to provide support for them and their families so they can recover from this storm. Customers living in areas affected by the hurricane may see a delayed delivery promise date on items when they go to checkout. In limited circumstances, customers outside the impacted area may also see a slower delivery promise if the product they are ordering is shipping from an area within the projected path of the hurricane. Right now, our Disaster Relief by Amazon team is closely monitoring Hurricane Dorian and is working to prepare and provide support alongside our nonprofit partners to communities potentially impacted. 984

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