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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 kind of feels like a concert, but there’s no musical performance. It’s former First Lady Michelle Obama, having a conversation with tens of thousands of people during her “Becoming” tour stop in Denver.  “This has been an amazing day being here with all of you,” Obama says.  The event, however, was just one part of the time she spent in the community. Just hours earlier, Emma Jones and her mom were among the hundreds of patients and families who packed the lobby of Children’s Hospital Colorado for the surprise visit.After a warm welcome, Obama sat down with Santa to read a book and answer questions from her young audience members.  “Was there really a movie theater in the White House?” asked one child.  Other questions were more serious, including one that asked Obama what advice she’d give to her younger self.“Don't let fear stop you from doing things that will help you grow,” she replied.  “Just being at the hospital and like knowing that something is going on with you in the first place, it's kind of scary,” says patient Emma Jones. “But like just hearing that message from someone who cares a lot about everybody is just super empowering and like it was just really cool.”Following the hospital stop, Obama signed copies of her book at a local bookstore.   With eight tour stops so far, all of them include some form of giving back to young people. In Detroit, Obama surprised a group of college students, sitting in on a discussion on education. In Boston, she made a stop at a Boys and Girls Club, and in Los Angeles, she read books to preschoolers.  It's a reflection of what Obama says is closest to her heart.  “I love kids. If I could spend every day with kids, like you all day, I would do that every single day,” Obama says. 1823

It has become a tradition on the Tuesday before the Masters Tournament at Augusta National in Georgia. During Tuesday practice rounds, golfers go to hole No. 16 and attempt to hit a shot that skips off the water and onto the green -- the type of shot you'd never try during the tournament.On Tuesday, Jon Rahm hit a perfect shot that skipped off the water, stopped on the back of the green, and trickled its way all the way into the hole. It was a shot you would have to see to believe. Rahm's shot was viewed on the Masters Tournament's Twitter account more than 15 million times by Tuesday evening. 609

INDIANAPOLIS -- Members of a neighborhood on Indianapolis' northwest side are asking police to do something about a woman caught on camera attacking neighbors with a yard sign and threatening their lives.The woman was seen on video pulling signs out of Miguel Rios and Luvia Roman's yard and saying she'll kill them, all over a property line dispute on Twin Creeks Drive, just north of Northwestway Park.Neighbors say the woman has a history of harassing minority neighbors. Corey Banks, a neighbor from across the street, said he's been called the N-word multiple times by her. Rios and Roman bought the house next door to the woman about a year and a half ago. They say the woman has called the health department, narcotics and child protective services in an effort to get them to move."I'm scared for my life," Rios said. "I'm scared for my family's life. And it's just not right." 918

It’s been four months since most of the nation’s schools abruptly shut down because of the COVID-19 pandemic. Now, schools are considering reopening, while COVID-19 cases continue to rise. So what’s changed that supposedly makes a return to campus safe?“Occasionally you have schools close because there's an outbreak of measles or flu or something like that, but not to this scale,” Dr. Elizabeth Hinde, Dean of the School of Education at Metropolitan State University of Denver, said.Districts are scrambling to figure out how to return to school this fall as COVID-19 continues to spread across the U.S.Back in March, almost every school was forced to close, a mindset much different than today's.So what has changed? We sat down with a global health affairs professor, an education expert, and an infectious disease doctor to look at the changes between now and four months ago.Within the span of a week, states told their schools to shut down.“When everything closed down in March, we were comforting a new disease, we were terrified at what it could do,” Dr. Sandy Johnson, director of the global health affairs program at the University of Denver, said.Little was known about COVID-19.“School closures are always a part of the mitigation strategy along with quarantine, stay at home orders, etcetera,” Dr. John Hammer, an infectious disease specialist at Rose Medical Center, said. “The difference between March and now is that we have a better sense of how the virus works. How it’s transmitted.”There’s more to this decision than a better understanding of the virus.“When we’re talking about whether or not schools should open, another factor is the loss in achievement and also there are equity issues that have really come to the fore” Dr. Hinde said.Kids finished the school year from home -- some didn't have the proper tools or the support of a school, opening the door for inequity.“We know that there are mental health issues,” Dr. Johnson said. “Our front line social workers that are looking for domestic violence and we know domestic violence has been going up. So there are many important roles in addition to education that come in those schools.” This also includes food and housing insecurity.Another factor in consideration -- teacher health.“These folks are balancing fear. Fear for their health, fear for the health of their families, with this real desire. They understand how important education is,” Dr. Johnson said.“There's just no definitive answers that principals and superintendents and teachers can lean on,” Dr. Hinde said.What was a state decision in the spring has now been put on the shoulders of school districts, as they weigh the pros and cons of returning to in-person learning.“Every school board, every school district, has to make a very tough decision. It is a very delicate balancing act,” Dr. Hammer said.“Local control is a strength in American schools, but it does make decision making very complex, because the superintendents of schools and principals are listening to all these different voices,” Dr. Hinde said.From teacher health and safety, to inequities in learning and the mental health of children, school leaders have a lot of elements to look at when it comes to opening classroom doors.“I think in the next couple weeks we’ll see decisions made,” Dr. Hinde said. “All of this, it’s a new world.” 3367