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Public versus private. Government versus private sector. Big bureaucracy versus big business. Delivering healthcare to Americans is once again a central question in this year's presidential election, and the plans proposed by two of the top Democrats in the 2020 field have very little in common. For Elizabeth Warren, she is proposing an entirely public plan with no role for private insurance. At the June presidential debate, Warren agreed that she would eliminate private insurance if she has her way. “Look at the business model of an insurance company,” Warren said. “It's to bring in as many dollars as they can in premiums and to pay out as few dollars as possible for your health care"But a change from private to public would be a dramatic change for most Americans. Nearly 66 percent of Americans used private insurance in 2017, according to U.S. Census figures. Also, a number of Americans are employed by insurance companies. According to the Insurance Information Institute, more than 500,000 Americans are employed in the insurance industry. These facts are not lost on Biden, who advocated at Thursday's debate to maintain the private insurance system."I think the Obamacare worked," Biden said at Thursday's debate. "I think the way we add to it, replace everything that has been cut, add a public option, guarantee that everyone will be able to have affordable insurance, number one."Warren claimed during Thursday's debate that a Medicare-for-All system would lower overall costs."And the answer is on Medicare for All, costs are going to go up for wealthier individuals and costs are going to go up for giant corporations," Warren said. "But for hard-working families across this country, costs are going to go down and that's how it should work under Medicare for All in our health care system."The Congressional Budget Office released a report in May on the total cost of moving to a government-run healthcare system. The report says that nearly half of healthcare expenses in the U.S. come from the private sector, with the rest being funded through federal, state and local governments. Overall, Americans spend .5 trillion in healthcare per year, the CBO says. But the CBO could not put an estimate on exactly how much the average person would spend with a Medicare-for-All system. The report says a number of factors such as whether state governments will pay into the system, and whether citizens can opt out of public insurance all options would affect costs. The CBO states that the federal government has lower administrative costs than private insurance. The cost to administer all of Medicare was 6 percent, compared to 12 percent for private insurers in 2017, the CBO says. The CBO added that administrative costs could decrease even further as a Medicare-for-All system would have fewer eligibility exclusions. Although both Biden and Warren still lack key details for their plans, Biden has stated his goal is to have 97 percent of Americans insured. Warren claims that nearly 100 percent is possible with her plan. As of 2017, 91 percent of Americans were insured. The number of uninsured in 2010, at the time of Obamacare's passage, was nearly double, according to the Census. Even without changes to law, healthcare costs will likely rise in the U.S. Government estimates peg healthcare spending per year at trillion by 2027. The rate that healthcare expenses will rise will outpace overall GDP by .8 percent per year, according to government figures. 3509

Protests have the power to change the political landscape and history is proof.An assistant professor who studied unrest in the 1960s says how things change is determined by the way protesters share their message.“When the tactics on the ground, which are essentially telling a story, tell a story that focuses our attention on rights, on injustice, then that's what the media emphasizes,” said Omar Wasow, assistant professor at Princeton University. “Civil rights, you know a redress of grievances, and those kinds of stories can powerfully move politics.”Wasow researched protests during the civil rights movement. He found during the early 60s, the wave of peaceful protests led to public opinion favoring their message and legislation getting passed. But later protesters became more violent and public opinion shifted again.“What we saw in the 1960s was that you can trigger a kind of backlash movement in which the taste for law and order, a kind of more police-centric narrative comes to the fore and that's going to make it harder for folks who are trying to push for reform,” said Wasow. Wasow says politicians were able to capitalize on that anxiety, like when Nixon won the 1968 election.While we don't know yet how much of an impact there may be this year, Wasow sees a lot of similarities between then and now.He thinks reforms are possible, if protesters keep attention on inequalities in the criminal justice system and state violence. 1463

Subaru of America is issuing two recalls for more than 400,000 vehicles.The recalls cover as many as 466,205 late-model Imprezas and Crosstreks, 156

SOUTH BEND, Ind. — Firefighters in South Bend, Indiana, saved a pair of raccoons from a warehouse fire that started Sunday night. The raccoons were stuck on the roof of the warehouse when the fire broke out, but the ladders set up by firefighters allowed them to escape the smoke.Video posted by the South Bend Fire Department shows two ladders propped against a warehouse on Calvert and Franklin streets in South Bend. The raccoons can be seen safely descending as kids watching nearby erupt into cheers as the two furry creatures leap to the ground. The structure fire started Sunday night but hot spots reignited it Monday, according to 652

Some employees, including 1.2 million middle class workers, could be overtime eligible starting in January under a new policy by the Trump administration. According to the Department of Labor, executive, administrative, or professional employees who make less than 4 a week (,568 a year) will now be eligible for time-and-a-half pay for work performed beyond 40 hours in a week. That is an increase from 5 a week (,660 a year). While the Department of Labor says the new rule is the first time the threshold for overtime eligibility has increased in 15 years, the Obama administration attempted to increase the overtime threshold ,476 a year. The rule, which had the opposition of then candidate Donald Trump, was shot down by the courts after Obama left office. Obama's policy was not defended in federal court by the Trump administration. The policy also increases the threshold for workers known as "highly compensated employees." The threshold increased from 0,000 to 7,432 per year. Those who are considered highly compensated employees are exempt from overtime pay. The Labor Department said it expects nearly 1.3 million workers will be eligible for overtime who currently aren't eligible. Of the 1.3 million workers, 100,000 will become overtime eligible after the highly compensated employee threshold increases."For the first time in over 15 years, America's workers will have an update to overtime regulations that will put overtime pay into the pockets of more than a million working Americans," Acting U.S. Secretary of Labor Patrick Pizzella said. "This rule brings a commonsense approach that offers consistency and certainty for employers as well as clarity and prosperity for American workers." 1744

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