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It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

It’s been a long year. Pandemic, wildfires, murder hornets, and now the 2020 election.And if you thought we might get a civilized discussion of the issues, well, that remains a challenge.If you think you’re the only one feeling stressed out by the election, a study conducted by The American Psychological Association shows 52% of Americans feel the same way.“For a lot of people, this election has become so emotional, so existential, and that’s real, that’s very, very real to them,” said Kelly Hupfeld, a professor at Colorado University Denver.“It’s kind of on par with 2020, but it definitely has it’s own individual, independent impact other than the coronavirus and other sort of social unrest that’s been going on,” said Lisa Henderson, a licensed counselor in Tennessee.Henderson says she’s seeing increased stress among her clients because of the election.“There’s this feeling of just helplessness, of you know, things are going on and I can’t really do much about it and sure I can vote, but right now, I think we’re about a month away from that,” said Henderson.And the way the candidates are acting probably isn’t helping“We just watched a really uncomfortable social conflict, and it was nerve wracking for a lot of us,” said Hupfeld. So, maybe you’re feeling stressed, but what are the signs you may be dealing with something more concerning.“If you’re mind is racing with thoughts you don’t really have control over anymore, so that it becomes kind of impossible for you to be able to calm yourself, that can be a sign that anxiety is really getting out of control,” said Hupfeld.According to the mayo clinic, these are some of the signs of an anxiety disorder.Feeling nervous, restless or tenseHaving a sense of impending danger, panic or doomTrouble concentrating or thinking about anything other than the present worrytrouble sleepingHaving difficulty controlling worrySo what can you do if you’re feeling like this?“You can turn your television off, you don’t have to watch it. Similarly to Thanksgiving, you can actually get up from the table, you don’t have to stay,” said Henderson.If watching a debate or constantly getting news updates makes you feel stressed, take a break from the news, social media, and other things that trigger stress.Henerson also suggests asking yourself a question.“How does this impact me right now?” said Henderson.Henderson says these are big issues that do affect all of us, but it’s unlikely to change your day to day right away, so don’t let the stress impact your day to day either.“Really evaluate sort of an in the moment type of way, what impact does this have on me? Today, what is this going to impact?” said Henderson.One of the most important things you can do, seek help if you’re feeling like this. The National Alliance on Mental Illness helpline number is 1-800-950-6264. You can call to find a therapist or mental health professional in your area. 2925

It was just a few days before Thanksgiving, when an 8th grader was shot and killed in Milwaukee, Wisconsin.Sandra Parks was sitting in her room watching TV, when a stray bullet came through the window.“She said, ‘Mama, call the police. I been shot,’” Sandra’s mother, Bernice, describes of that night. “She was laying on the floor. I thought she was playing, but I called the police anyway because I’m like that’s too many gunshots, what the hell is going on?”The 13-year-old’s award-winning essay is now being shared around the world and read on national news outlets. In the young girl’s essay, “Our Truth,” Sandra wrote about gun violence.Sandra’s words are now some of the only things her mom says she has left of her daughter.“I don’t have her flesh. I don’t have her smiling at me all the time. I don’t have what I want, and I want my baby,” Bernice says. “Ain’t nothing gonna make that better. It’s just that being in this house, since she been gone, it’s strange, scary, and it’s unacceptable.”Bernice says her daughter’s words are giving her strength as she prepares for the funeral. The mother hopes Sandra’s essay might prevent another family from going through the same pain.“The stuff that she wrote, people should listen to it. Heed to it. Follow it, because it’s only right that kids should live. Adults should live,” she says. “I don’t think nobody should die, not by the hands of body else for no apparent reason. She didn’t do nothing.”Police have arrested two suspects they believe were connected to the shooting.A public visitation for Sandra will be held Friday. 1596

INDIANAPOLIS, Ind. — This year has been especially hard on local musicians, who typically rely on gigs in restaurants and clubs to make ends meet. But for the past nine months the pandemic has kept that from happening.Everybody is taking a financial hit this year whether it's a music venue, music artist, even people on the audio/video side of things," said Jake Huber.Before the pandemic, local film maker Jake Huber and live venue owner Mike Angel launched the web TV series called 'Music in Transit' a way to highlight the Circle City's musicians as they perform live shows on IndyGo buses and bus stops."It's really that simple. We put bands on a bus and when it allows for it an audience too," said Angel.Season one was all about surprising new audiences. "You stop in your own tracks and you're like oh, what is this I'm experiencing right now? After a while every single act we had formed a crowd, and through that many acts have reached out to us saying thank you because I've gained a new audience. I've had people buy our record, just from these videos," Huber said.Season Two of Music in Transit will look a bit different. The mobile shows are socially distanced this time around, with a limited crowd. Huber and Angel are hoping season two will allow the world to still see Indianapolis musicians of multiple genre's, who, thanks to pandemic restrictions, could use all the exposure they can get."Hip hop, old country, indie rock, funk. Everything really. If we promote this properly, we could get a pretty broad reach for them and hopefully drive up their album sales a little bit," said Angel.Season two of Music in Transit will premier this month on YouTube -- that's also where you can catch up on the first season.This story was first reported by Cameron Ridle at WRTV in Indianapolis, Indiana. 1820

It's been six years since Culver's introduced a new custard flavor. On Thursday, they announced six new flavors coming soon on their website.The flavors will come out each month, starting on May 10 with Cappuccino Cookie Crumble and going all the way through October. Here's a list of the new flavors and the descriptions on Culver's website: 375