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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 the vast majority of us only get to vote for one candidate on the ballot, voters in Maine are allowed to vote for multiple candidates.Maine's unique election process was approved by voters in 2016. Although this might sound like a strange way of voting, the process allows for “instant runoffs.” Election officials continually eliminate the last-place candidate until there are only two candidates left or a candidate receives a majority of the vote.For instance, if your first choice is eliminated, your second choice becomes your vote until that candidate is eliminated or is declared the winner.On Tuesday, the Maine Supreme Judicial Court ruled against a GOP-led initiative that attempted to delay the use of ranked choice voting in the presidential election. The court struck down a lower-court ruling.The process had already been used in the primary and the 2018 midterm. Governor Paul LePage protested the results from the 2018 election, and threatened not to certify the results. In Maine’s House District 2, Democrat Jared Golden won the election despite not receiving a plurality of first-choice votes. Golden ended up garnering a majority after two independent candidates were eliminated.Maine is also unique as it is only one of two US states that divvy up Electoral College votes based on congressional districts. While the winner of Maine’s statewide vote automatically garners two Electoral College votes, the state’s other two votes are given to the candidate who wins within a congressional district.In 2016, Hillary Clinton won the state’s overall vote, but failed to win both of the state’s congressional districts, which resulted in Donald Trump taking one of the state’s four Electoral College votes.For this year’s election, while the Maine’s first congressional district is expected to lead Joe Biden to a statewide victory, the second district is expected to be a tight race. 1915

When legendary singer Aretha Franklin died, she did not have a will or trust. Her four sons have filed a document listing themselves as interested parties, reports say.Franklin died last week from advanced pancreatic cancer. She was 76.In addition to her sons' filing, Franklin's niece has asked the court to appoint her as a personal representative of the estate, the Detroit Free Press reported. It said under Michigan law, if an unmarried person dies without a will, his or her assets are divided equally among any children.Franklin's lawyer has represented her in entertainment matters for nearly three decades, and told the paper that he constantly asked her to do a trust, but she never got around to it."I was after her for a number of years to do a trust," Los Angeles attorney Don Wilson told the paper. "It would have expedited things and kept them out of probate and kept things private."Wilson is Franklin's attorney in copyright matters, song publishing and record deals, and will be consulted on estate planning purposes. He said while he doesn't have a dollar figure on the value of her assets, the lack of a will means the finances will become public in Oakland County Probate Court."I just hope (Franklin's estate) doesn't end up getting so hotly contested," Wilson said. "Any time they don't leave a trust or will, there always ends up being a fight."CNN has reached out to Wilson for more details.Franklin's funeral will be held on August 31 in Detroit, with the service for family and friends planned for 10 a.m. ET the same day.Public viewings will be held August 28 and 29 from 9 a.m. to 9 p.m. at the Charles H. Wright Museum of African American History in Detroit.Franklin will be entombed at Woodlawn Cemetery in Detroit.The-CNN-Wire 1767

WILMINGTON, Del. (AP) — Democratic presidential candidate Joe Biden is confirming that he’s been tested at least once for the COVID-19 virus and promises he will be tested regularly during his campaign against President Donald Trump. Biden told reporters Friday of his testing protocol during a wide-ranging news conference he used to blast Trump for downplaying the virus and thus ensuring that it will continue to kill Americans and ravage the economy. For much of the summer, Biden’s advisers deflected questions about whether the former vice president was being tested himself as he anchored his campaign almost exclusively from his Delaware home, traveling sparingly as a precaution.Biden plans on resuming a relatively normal travel schedule after Labor Day. Since March, Biden has mostly held virtual events due to the coronavirus. 847

What started as a simple gesture of kindness during the lunch hour resulted in more than 900 cars “paying it forward” over the course of over two and a half days at a Minnesota Dairy Queen. Customers in the drive thru continued to pay for the order of the car behind them.According to the Brainerd, Minnesota, Dairy Queen, the chain started around lunch time on December 3. By the end of the first day, 280 cars participated by the close of business.December 4 started with paid forward from the night before, and it went from there. More than 500 cars in the drive thru paid it forward on December 4. The streak continued through December 5."It makes people feel good. Our whole crew was pumped about it, let's keep it going, our fans, we had people come here just because they heard about it and wanted to be a part of it,” store assistant manager Sandra Quam told WCCO. 884