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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

WEST PALM BEACH, Fla. — If you were planning a vacation to the Bahamas this summer, you may need to rethink your plans.The island nation just announced sweeping restrictions for tourists, specifically from the United States. It’s an effort to curb the spread of COVID-19. The restrictions begin Wednesday, July 22.This comes after just reopening its borders to visitors earlier this month.In the prime minister's national address, he said the country has 15 new coronavirus cases for a total of 153. 507

Where you stand in the moment matters. In this moment, leadership, decency, constitutional norms matter. Character matters. Our vote matters. The president we choose matters. I stand with @JoeBiden because America matters. #Vote https://t.co/TGR08YQ3gd— Michael Steele (@MichaelSteele) October 20, 2020 310

While political pundits pontificate about Tuesday’s election results, thousands of high school students around the country will have been hard at work forecasting their own.In a March Madness-style round-robin challenge, students pick states they think will go Democrat or Republican, filling out their own electoral map and entering it among thousands of others in the FANschool Challenge.“It’s something fun. It’s something different that the kids can kind of get a little competitive about,” said high school government and economics teacher Gerald Huesken. “[It’s] friendly academic competition.”Huesken helped start the challenge along with two other colleagues four years ago as the country was gearing up for the 2016 election between Donald Trump and Hillary Clinton. Several of his students correctly predicted the Trump victory despite polls reflecting a different outcome. Back then, he says, it was only something for his class to do as they take what they learn in their civics and apply it to real-life situations, but now, it has exploded into an online format used by hundreds, if not thousands, of teachers across the country, says Huesken.“Right now, we’re looking at the different data from NBC, ABC, stuff like that [to guide our knowledge],” said Huesken. “It’s saying it’s looking pretty good for Joe Biden, but we thought that going into 2016.”Students get to draft states in a fantasy football format. They then learn about what is important to their voters, research news articles and polls, and then predict what they think will happen in 2020 based on what they find, putting together their minds and entering the bracket in a nationwide challenge for prizes.“I have both Florida and Ohio going Republican this year and giving Trump some votes,” said Mason, a junior in Huesken’s class who did not want to use his last name. “I also have Michigan going to Biden, leading him to a pretty comfortable victory.”Mason says the challenge has taught him how different regions of the United States approach different issues and how voting patterns change among different demographics.“If you asked me in 20 words or less why do you teach this course, it’s really because I feel like high school students, whether or not they’re voters, look at our political system and our political institutions and feel like they have no agency,” said Chris Stewart, a social studies teacher at a high school in St. Paul, Minnesota. Stewart helped start the challenge alongside Huesken and used it to helped formulate his fantasy politics course that he only offers during election years as a way to make the electoral process more relatable to many students who are not able to engage in the political process because they are not old enough to vote. 2764

When experts look at the economy and its rebound, they go through an alphabet soup of letters, with a “V” shape recovery being the best-case scenario. It’s a fast decline with a fast recovery. Letters like “W” or “L” mean a much slower and painful path forward.A resurgence of more COVID-19 cases is shifting the likely shape of our economic recovery, and having economists evaluate the likelihood of a recovery in the shape of the more dreaded letters.“The fact that the virus has increased in a number of states shows that it is still very much a threat not only to one’s health but the economy,” said Michelle Meyer, who heads U.S. Economics at Bank of America. “The initial stage of the recovery was quite robust. It felt quite ‘V’ like, the economy was digging its way out of what was a very deep hole.”According to Bank of America, about a third of the jobs lost during the pandemic have been recovered. However, the recovery has slowed down into more of a “U” shape, and now data is showing a stall with concern of a higher chance of a “W” or “L” shape recovery.“The ‘W’ trajectory would be the worst-case scenario. That would show real fragility on the economy if we dipped back into a recession,” added Meyer.Experts say it would lead even higher unemployment, and more permanent job loss and business closures. In addition, to come out of a “W” or “L” shape recovery, we would need even more stimulus money from the federal government, which may not even improve the economic downturn as much as it did the first time.“Stimulus in Washington provides a really nice band-aid and I think it helped tremendously in the first stage of this recovery but at the end of the day, we need the economy to fundamentally improve,” said Meyer.The good news is unless there is a significant or full shutdown again, a “W” shape recovery is still less likely to occur than a “U” shape.“Our analysis projects that a 'U' shape recovery with rather steep losses and growth this year and rather flat next year and then recovering subsequently is the most likely outcome,” said David Turkington, the Senior Vice President at State Street Associates.A recent State Street study based on 100 years of historical data shows that the U.S. still has 30.1% chance of a “U” recovery, and a combined 24.4% chance of a “W” or “L” shape recovery which include stagflation and depression outcomes.“The real economy I think is what determines the recovery and how that plays forward,” said Turkington.The real economy is jobs, businesses and consumer spending. Providing stability there could determine which way the economy goes. 2615

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