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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

With NFL preseason games scheduled to be held next month, several outlets are reporting that the NFL will reduce the number of preseason games teams play from four to two.Pro Football Talk and ESPN reported the change Wednesday afternoon, but the league has not made an official announcement.Pro Football Talk said that the league decided to eliminate Week Nos. 1 and 4 of the preseason. The report says that in addition to teams not wanting to travel large numbers of personnel amid a pandemic, with a lack of offseason workouts, coaches indicated a preference to hold extra practices instead of preparing for exhibitions.The length of the preseason has been considered too long by some in the past, as most teams opt to play reserves for the fourth and final game of the preseason. But the loss of a preseason home game could result in a decrease in revenue for teams.It remains unclear if teams will be allowed to welcome fans in stadiums this fall. 960

While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party is projected to have a majority of seats in the US House once the new Congress is seated in January. All 435 seats in the House of Representatives were up for election on Tuesday, and that fact has spurred high voter turnout in an election that could see a lot of change on Congress. 401

When the pandemic hit, a Southern California man made it his mission to make sure under-represented communities and minority-owned businesses didn't fail. What started as a small online movement grew into the thousands.It has one goal: to help one another.Keven Seo is the self-titled "super connector."“As an extroverted extrovert, the No. 1 way to kill an extrovert is to put them in quarantine,” Seo said.The quarantine wasn't his style.“I love connecting people, I love communities, I like connecting pieces so when I hear people talk about a business or what they need or who they need, I love introducing them to each other and watching that relationship happen,” Seo said.But, that's not really possible during a complete lockdown -- so one would think."I noticed there was a lot of hardship and they did vocalize ‘hey, our business isn’t doing so well,’” Seo said. “[When] I started seeing this, I realized our community didn’t have a place to see each other, talk, meet, not just discuss problems but see how we can help each other with our connections.”He created a small space on the internet called "Network with Kevin" for Asian-Americans.“Asking for help is hard, too, like as an Asian-American, I was taught to put my head on the ground, work hard and that’s it,” Seo said. “But (for) a lot of us, community is so important, we have to do it together so I really try to create a community of genuine connection.”They meet weekly on Zoom and talk about hardships and how to reach out. New partnerships have formed such as new tech companies and restaurants amid the COVID-19 shutdown.These partnerships formed because of Seo’s work.“I’m Asian-American and an immigrant and if I go up to another Asian-American, they’re going to trust what I say we’re growing up in the same background," Seo said. “That way we can connect faster and help each other faster and right now is a critical time for that."He says, it sounds silly, but one of the first things he did was go to small Asian-owned restaurants and highlight their food to help drive business.One of those businesses is Modern Filipino Kitchen in Anaheim, California.“We serve Filipino food; we do Filipino culture with a modern look but we also keep the traditional flavors that you’d find in the Philippines,” Henry Pineda, the restaurant’s owner and chef.Pineda says opening a restaurant was a childhood dream of his.“My family in the Philippines, they have a restaurant,” Pineda said. “They’ve been open 30 years. Every time we go back, I found myself in their restaurant causing havoc over there.”When the shutdown happened, he lost more than 80% of his business and he was scared. Enter Seo and his "Network with Kevin" community.“A lot of people didn’t know who we were,” Pineda said. “They were able to see us and come support through his network and we’re a small mom and pop. We don’t have a budget for marketing or a PR person so that video and him putting us out there really helped us out and drive people to us.”In turn, Pineda says, he's helped others who are out of work, by holding popup restaurant events to give people a job. And they've all found common ground in a common group of friends, helping one another.“What I was taught growing up was this symbol for human being was another human leaning on a human being that’s what I was taught at a young age to always rely on the community and that’s why it’s important to me today," Seo said.For the extroverted extrovert, he says, at the very least, he has a ton of friends and they have a bond that only they will recognize. “It brings familiarity," Seo said. "It's very similar cultures so there’s more understanding what someone else has gone through or what family background they have with their upbringing." 3760

With Hurricane Laura intensifying, forecasters predict it could be a Category 3 storm or higher. Marco was minor in comparison.There's already trouble for low lying areas of the Gulf Coast. Storm surge washed away about 500 feet of a levee in Grand Isle, Louisiana. The National Guard put up sandbags to protect the island.With predictions of possibly 11 feet of storm surge and 15 inches of rain, it could prove too much for other areas.“If they have a failure and in some cases, there will be failures, then the internal areas will flood and it’s very difficult then, once you have a breach in the levee, to keep the water from the outside coming in,” said Gerald Galloway, P.E., PhD.Hurricane Katrina hit the lower 9th ward 15 years ago this month.A billion network of new levees and floodwalls were put in. The Army Corps of Engineers said the system will stop providing adequate protection in as little as four years because of rising sea levels and shrinking levees.There are up to 100,000 miles of levees nationwide, most of them in serious need of repair.Levees received a "D" on the American Society of Civil Engineers' national infrastructure report card.“Where you have a challenge is those areas that are not yet protected. That’s going to be a problem and where they are outside the levees in some distance and there isn’t any normal flood protection,” said Galloway.Galloway's life's work is in flooding, partially with the Army Corps of Engineers. If water overtops levees, he says the best-case scenario is for pumps to get it out, or homes elevated, or at the very least people are evacuated. 1621