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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

White House press secretary Kayleigh McEnany tweeted Monday that she had tested positive for COVID-19.McEnany tweeted that she was not experiencing any symptoms and that she had not had close contact with anyone in the media.She added that she would "begin the quarantine process" and continue working remotely. 319

With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

WESTLAKE, La. -- A fire broke out at a chemical plant in Westlake, Louisiana, as Hurricane Laura moved out of the state. Louisiana State Police responded to the scene Thursday and motorists were being advised not to travel on I-10 through Westlake as crews fought to put out the flames.State police say the fire involved a chlorine leak that originated from a BioLab chemical manufacturing facility.The BioLab plant was built in 1979 and manufactures trichloroisocyanuric acid, chlorinating granules and other chemicals used in such household cleaners as Comet bleach scrub and pool chlorine powder, The Associated Press reports. Trichloroisocyanuric acid and chlorine are potentially acutely toxic to people and animals if ingested or inhaled.As a result of the fire, residents in the Westlake, Moss Bluff and Sulphur area were advised to shelter in place until further notice, close their doors and windows, and turn off their air conditioning units.In a statement obtained by KATC, KIK Custom Products said the fire at their facility was the result of damage from the hurricane and a specialized team has been deployed to mitigate the impact of the incident. 1171

WILLIAMSTOWN, Ky. — Northern Kentucky law enforcement officials are working extra hard this time of year to keep any "Grinchiness" out of their respective "Whovilles."Before Grant County Sheriff’s Deputy Scott Conrad hits the road these days, he arms himself with kindness, in the form of gift cards.“It’s part of the Sheriff's Santa Project,” Conrad said.It’s an idea that was brought to the office three years ago by their chaplain.“I really think projects like this give us a glass-half-full attitude, rather than a glass-half-empty,” Grant County Sheriff’s Office Chaplain Rev. Tim Polley said. “Don’t we all need some joy in our lives?”The answer for Grant County’s deputies is "yes."“We make a legit traffic stop,” Conrad said. “In lieu of writing a citation, we hand out a gift card to our local businesses.”Several drivers who got a Sheriff's Santa surprise were both grateful and thankful, a nice reminder to use a turn signal.The project does more than just promote good driving, it also drives business to local shops and restaurants who could use a customer boost during the coronavirus pandemic.“Typically, we deal with the more negative aspects of humanity, so when we can do anything that's positive, it's a blessing to us,” Conrad said. “We swore an oath to the Constitution. I got into this job 15 years ago 'cause I wanted to help people.”Now he’s helping people by helping to give back to the community.“Everybody thinks they're out to get us, but they're here to help us,” said driver Justin Ost, who got a gift card to a local barbecue restaurant.Polley sought out local businesses to donate the gift cards, or people to donate money to be exchanged into cards. “It is just that little nudge that some people need to say there is still good in this world,” he said.The Sheriff's Santa Project runs through Christmas Eve.This story originally reported by Kristyn Hartman on wcpo.com. 1912