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SAN DIEGO (KGTV) - The deadline is approaching for millions of Americans to pick their health insurance providers for their company plans.Jeri O’Conner is among the San Diegans who made a change for 2019. She’s switching from Covered California to Medicare. O’Conner had plenty of questions about her options.“This plan will cover this what the deductibles are if there are co-pays cause there are some plans that are zero premiums,” O’Conner said.She got help from an expert, like Tim Thompson. He helps people navigate through the confusing world of health insurance.Thompson asks clients these basic questions: 621

SAN DIEGO (KGTV) - The cycle of debt is something a lot of people are desperate to break. One of the biggest challenges is keeping up with credit cards, payments and beating the interest rates. Now, a San Diego startup is offering people an opportunity to make purchases on items they may need for themselves or their families, without interest rates, credit checks, or penalties. Marc Schneider is the CEO of Zebit, an online shopping site designed to help people facing financial hardships, get on track, make payments and get what they need. “We’re trying to provide sort of an Amazon for the under-served,” said Schneider. RELATED: San Diego Workforce teams up with UCSD Extension to offer student loan alternativeWhile growing up, Schneider and his family faced financial struggles of their own. “I’ve supported my mother since I was 15 years old. I grew up in a mobile home with a separated family. Ended up being homeless on food stamps,” said Schneider. Now, Schneider is a successful entrepreneur, with Zebit hitting million in 2017, and million last year. “Zebit was built to change how consumers get access to credit, to give them a fair deal and have zero gotchas,” Schneider said. In order to make purchases on Zebit, you first need to create a profile which includes providing your current employment status and driver’s license. The company then uses that information to verify your employment and determine how much of a Zebit line you will receive. The Zebit line is similar to store credit or having a credit card, but without the interest rates and penalties and with the chance to make payments for purchases over a 6 to 12 month period of time. RELATED: Realtors expect busy spring for buyers and sellersFor example, a MacBook Air on Zebit may cost around ,273. The may break down to 8 upfront with 12 payments of a month. A five-piece dining set may cost around up front, with monthly payments around dollars.“We’ve heard stories like you save my Christmas, my daughter wouldn’t have had a birthday present if it wasn’t for you, I couldn’t get married because I didn’t have a way to finance an engagement ring,” said Schneider.Some of the items on Zebit can cost 5 to 10 percent more than some items on Amazon, however the company still stresses that their interest-free model and competitive prices makes it a great shopping experience that was designed with people who may not a lot of money, or struggle with credit card payments and interest rates. “I wanna build a big company that makes an impact on a consumer base, a consumer base that tends to be invisible that tends to be neglected and a consumer base that tends to really rip people off over time,” said Schneider. Schneider hopes his company will help others break their own cycle of debt. 2808

SAN DIEGO (KGTV) - The Marine Corps reported an E.coli outbreak Tuesday among more than 300 troops at Marine Corps Recruit Depot in San Diego.The diarrheal illness has affected 302 of approximately 5,500 recruits at the base. The cases had tapered off in the past week but a spike was reported Monday.Ten recruits were admitted to an off-base medical facility while the remainder are being cared for at MCRD. The source of the outbreak is under investigation, according to the Marine Corps."Our immediate focus is identifying, isolating and treating recruits who present symptoms," said Brig. Gen. William Jurney, commanding general, MCRD San Diego and the Western Recruiting Region. "We are working to identify the cause of the sickness, making sure our affected recruits can return to training as soon as possible and continuing training for recruits not influenced."The Marine Corps is taking preventative action to stop the outbreak including: 955

SAN DIEGO (KGTV) -- The Border Patrol is working to upgrade the fence that sits along the U.S.-Mexico border as more and more people attempt to cut through the barrier, forcing agents to spend time making repairs.According to the agency, an average of 540 cuts are made in the fence per year. Border Patrol says some tools enable crossers to cut through the fence in as little as 20 seconds.The agency added that, since 2016, the number of arrests at the border has seen a sharp increase. In 2016, 26,000 arrests were made. That figure rose dramatically in 2017 to 38,000 arrests.RELATED: As many as 15,000 troops to be deployed to borderThe project to upgrade the fence began over the summer and will eventually replace about 14 miles of scrap metal wall.U.S. Customs and Border Protection told 10News in June that the old fence was erected in the 1990s from Vietnam-era scrap metal.“The construction of this new substantial wall will improve overall border security, the safety and effectiveness of Border Patrol agents, the safety of the public, and will enhance the atmosphere for business and commerce in the area,” said Rodney Scott, Chief Patrol Agent for the San Diego Sector.RELATED: Border wall construction underway in South San Diego County  The upgrade comes as the Trump administration prepares to send thousands of troops to the border to provide logistical support as a migrant caravan approaches.As of Wednesday afternoon, the caravan was about 800 miles away from the U.S. 1508

SAN DIEGO (KGTV) — The CDC is making plans to distribute millions of doses of a coronavirus vaccine by late next month, but government officials have gotten these predictions wrong in the past.Doctors and scientists say there are reasons to be skeptical of the timelines laid out by Operation Warp Speed based on the lessons of 2009 and 1976.During the height of the H1N1 Pandemic in 2009, San Diegans waited in long lines to get vaccinated only to find there were not many doses to go around.The CDC initially projected there would be 120 million doses of vaccine ready by October 2009. Then federal officials scaled back the projection to 45 million.By the end of October, only 23 million doses would become available due to delays in the manufacturing process.“The lesson of H1N1 is that you may make all the plans on paper, but the actual nuts and bolts of rolling it out is really challenging and not to be underestimated,” said Dr. Peter Chin-Hong, an infectious disease specialist at UC San Francisco.Manufacturers had trouble growing the H1N1 vaccine in chicken eggs, the most common method for producing flu vaccines. There were also issues with testing the vaccine’s potency and problems switching production lines from the seasonal flu vaccine to the H1N1 strain, according to an after-action report by the Department of Health and Human Services.A lot goes into making a vaccine, said Dr. Rahul Gupta of March of Dimes.“It's not just the vaccine but also the syringes, and the needles, and the stoppers, and the alcohol pads,” he said. “There are so many other things that go along when we talk about a vaccine.”By the time the vaccine was widely available, the pandemic had petered out.Experts say there are also some parallels to what happened in 1976.During the height of an election cycle, President Gerald Ford fast-tracked a vaccine after some soldiers on a military base in New Jersey got sick with a strain of H1N1, then called Swine Flu, that was genetically similar to the strain that killed millions in 1918.“Some scientists were telling Gerald Ford that this was going to be as bad as Spanish Flu,” said Dr. Chin-Hong.The U.S. launched a huge media campaign, urging Americans to get vaccinated.President Ford rolled up his sleeve and got the vaccine, along with one-quarter with the U.S. population, beginning in October of 1976.However, the viral strain they were worried about never spread beyond the military base, and there were rare side effects linked to the vaccine. Of the 45 million people inoculated, about 450 people developed Guillain–Barré syndrome and about 30 people died.One month after the vaccinations began, Ford lost the election and the episode became known as the “Swine Flu Affair.”Experts say it’s normal to have adverse reactions and production delays on the road to a vaccine.“We have to understand that’s a process. And we learn as we go along. And people have to trust the process as well,” Dr. Gupta said.But doctors say it’s a process that takes a lot of coordination, and there are aspects you just don’t want to rush. 3081