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CINCINNATI, Ohio - What will health insurance costs look like in the aftermath of the COVID-19 pandemic?It’s too early to say for sure, said Miami University professor and economist Melissa Thomasson, except that rates almost definitely won’t go down.“There is so much uncertainty right now that insurance companies are probably really reluctant to cut premiums” for the upcoming year, she said Wednesday.They could be more expensive next year to cover lost profit during the pandemic, she said; they could also remain the same. Although millions of Americans lost their jobs in 2020, not all of them had employer-sponsored insurance or represented a hit for their insurance company.“Jobs in retail, service industries, hospitality and leisure, those people typically don't have health insurance coverage,” Thomasson said. “So I think the losses in health coverage were less than we initially feared."Tommie Lewis, a Cincinnati business owner, said his family avoided the doctor’s office for much of the year due to COVID-19 transmission concerns. People across the country have done exactly the same thing; on June 9, the CEOs of the Cleveland Clinic and Mayo Clinic published an opinion piece pleading with readers to stop delaying their medical care over virus fears.The insurance industry could benefit in 2021 from people like Lewis, who had put off their visits, finally returning, Thomasson said. Likewise, it could experience a rebound through new telehealth options — which the Kaiser Family Foundation predicts will be more prevalent — and previously unemployed people going back to work.But Lewis, who is self-insured through his business, said he worries that premiums will rise for families across the country.“I really believe there will be an increase in premiums, and families of four, five, six, are going to have to make real serious decisions on food, shelter, transportation, or health care,” he said.This story was first published by Courtney Francisco at WCPO in Cincinnati, Ohio. 2010

College campuses across the country have largely sat empty for months, but as schools consider whether to bring students back, they're also considering their legal obligations.“They are a business that needs revenue to function,” explained Chris Feudo, an attorney with Foley Hoag in Boston, Massachusetts.As an attorney, Feudo has been advising folks about COVID-19 waivers, which gained national notoriety leading up to President Donald Trump’s rally in Tulsa last month. Businesses have also been turning to these forms in hopes of freeing themselves from legal responsibility if someone catches the virus.The next round of waivers could be coming from colleges and universities, and many have already mandated student-athletes to start signing the forms in order to start practicing. Students returning to empty campuses could be next.“It sends a really dangerous message,” Feudo said. “If you’re saying to your employees, faculty, students, it’s sending a message that the college or university is bringing people back when there’s still a substantial risk.”A COVID-19 waiver could mean a family loses any right to seek compensation if a student gets sick at school.But Feudo is skeptical any of these waivers will hold up in court.“You’re not going to find out whether it’s enforceable until somebody gets sick and sues,” he said. 1344

CORONADO, Calif. (KGTV) -- A celebration of life was held in Coronado Thursday night for Nicole Quitasol, the San Diego woman killed in a boat fire off Santa Cruz Island. The event was held at Nicky Rottens, and restaurant officials said the celebration of life was also to help the fundraising efforts to support Quitasol’s family. Quitasol was on the dive trip with four family members, her coworkers posted on Facebook. "Nicole has worked with our Nicky Rottens Coronado family for years, and she will be remembered as an adventurous & loving soul," wrote Bryn Butolph, who described Quitasol as smart and loving.RELATED: San Diego woman killed in deadly Conception boat fire off Santa Barbara"She will be greatly missed," Butolph added. He told 10News Quitasol was devoted to her dog, Peanut Butter.The family of five was among the 34 presumed dead following the blaze. All were sleeping below deck when the fire broke out in the early morning hours of Sept. 2. Other victims included students from a Northern California charter school serving grades 7-12, and a marine biologist who owned the diving company and was leading the tour.A GoFundMe account was created to help Quitasol's mother, who lost three children.KCRA in Sacramento identified the other family membersas Nicole’s sister Evan and sister Angela, both from Stockton, and their father Michael and stepmother Fenisa Sison, both from Modesto. 1421

CVS says they are planning to expand their COVID-19 testing services.On Wednesday, the pharmacy chain announced that it would add rapid-result COVID testing at nearly 1,000 sites by the end of the year."Access to rapid-result tests enables us to help minimize community spread of COVID-19 by being able to more quickly identify active COVID-19 infection," said David Fairchild, MD, Chief Medical Officer, MinuteClinic in a press release. "In addition, we can test and treat symptomatic patients who test negative for COVID-19 for seasonal illnesses such as flu or strep and provide appropriate treatment and care."CVS said starting this week nearly 100 of the rapid-result test sites will be operational.If patients meet the Centers for Disease Control and Prevention criteria, the tests would be made available at no cost.Currently, CVS manages more than 4,000 drive-thru test sites in 33 states and Washington, D.C., with results coming back within 2-3 days.To schedule an appointment, you must register in advance at CVS.com. Tests are available for patients between 12-17 years old. Anyone younger than 15 must have the online registration completed by a parent or legal guardian, who also must accompany them for testing. 1234

Conservatives now hold a decisive edge on the Supreme Court after the Senate voted in a near party-line vote on Monday to confirm Amy Coney Barrett to the highest court in the US.Republican-nominated justices hold a 6-3 advantage on the Supreme Court, three of whom are appointees of President Donald Trump.Trump hosted a swearing in ceremony at the White House nearly an hour after Monday's confirmation vote. Justice Clarence Thomas swore in Barrett.The lone dissenting vote came from Republican Susan Collins of Maine, who is facing a tough re-election bid for her seat. Collins expressed concern of holding a confirmation vote just eight days before the US presidential election. Also, one-third of all US Senate seats are up in next week’s election."Today, Monday, October 26, 2020, will go down as one of the darkest days in the 231-year history of the United States Senate," Senate Minority Leader Chuck Schumer said. "Let the record show that tonight the Republican Senate majority decided to thwart the will of the people and confirm a lifetime appointment to the supreme court in the middle of a presidential election after more than 60 million Americans have voted."In 2016, Republican senators opted not to consider President Barack Obama’s nomination of Merrick Garland to the court after the death of Antonin Scalia in February of that year.Senate Majority Leader Mitch McConnell defended his caucus' vote amid election season."In another political age, Judge Amy Coney Barrett would be getting 70 votes or more in the US Senate because of her qualifications," McConnell said. "In a different era. Now, we know that's not going to happen. These are not the days when Justice Scalia was confirmed 98-0 and Justice Ginsburg was confirmed 96-3. And by the way, I voted for both Ginsburg and Breyer. Seems like a long time ago now."In her swearing in ceremony, Barrett described the political battle during her confirmation. "I have spent a good amount of time over the last month at the Senate, both in meetings with individual senators and in days of hearings before the Senate Judiciary Committee," Barrett said. "The confirmation process has made ever clearer to me one of the fundamental differences between the federal judiciary and the United States Senate, and perhaps the most acute is the role of policy preferences." 2345