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In the midst of the coronavirus pandemic, the Trump administration on Thursday urged the Supreme Court to overturn the Affordable Care Act.The administration’s latest high court filing came the same day the government reported that close to half a million people who lost their health insurance amid the economic shutdown to slow the spread of COVID-19 have gotten coverage through HealthCare.gov.The administration’s legal brief makes no mention of the virus.Some 20 million Americans could lose their health coverage and protections for people with preexisting health conditions also would be put at risk if the court agrees with the administration in a case that won’t be heard before the fall.In the case before the Supreme Court, Texas and other conservative-led states argue that the ACA was essentially rendered unconstitutional after Congress passed tax legislation in 2017 that eliminated the law’s unpopular fines for not having health insurance, but left in place its requirement that virtually all Americans have coverage.After failing to repeal “Obamacare” in 2017 when Republicans fully controlled Congress, President Donald Trump has put the weight of his administration behind the legal challenge.If the health insurance requirement is invalidated, “then it necessarily follows that the rest of the ACA must also fall,” Solicitor General Noel Francisco wrote Thursday.The Trump administration’s views on what parts of the ACA might be kept or replaced if the law is overturned have shifted over time. But in legal arguments, it has always supported getting rid of “Obamacare” provisions that prohibit insurance companies from discriminating against people on account of their medical history.Nonetheless, Trump has repeatedly assured Americans that people with preexisting conditions would still be protected. Neither the White House nor congressional Republicans have specified how.The new sign-ups for health coverage come from the Centers for Medicare and Medicaid Services. The figures are partial because they don’t include sign-ups from states that run their own health insurance marketplaces. Major states like California and New York are not counted in the federal statistics.An estimated 27 million people may have lost job-based coverage due to layoffs, and it’s unclear what — if anything — they’re turning to as a fallback. People who lose employer health care are eligible for a special sign-up period for subsidized plans under the Obama-era law. Many may also qualify for Medicaid.The Trump administration has been criticized for not doing as much as states like California to publicize these readily available backups. In response, administration officials say they have updated the HealthCare.gov website to make it easier for consumers to find information on special sign-up periods.Thursday’s report from the government showed that about 487,000 people signed up with HealthCare.gov after losing their workplace coverage this year. That’s an increase of 46% from the same time period last year. 3037

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 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

It's that time of year again, not only for gift-getting but also for gift-giving. And this year, some holiday tipping protocol is changing due to the pandemic.An appropriate holiday tip amount will vary based on who is receiving the tip and also how much you can afford to give, and this year that might have changed for many compared to last.Co-president of The Emily Post Institute and etiquette expert, Lizzie Post, suggests considering the following:"Who’s on your list, who is really important to you, what is your budget, and how can you use your words if you can’t do a gift or tip," she said.For many of us, delivery drivers or people who work curbside pick-up at grocery stores likely played a bigger role in 2020 than ever before. If you're looking for a way to say thank you, consider a contact-less gift in the range."I’ve heard of people handing over a few bucks or sometimes even taping it in the trunk, then you pop the trunk and the money’s there," said Industry Analyst at Creditcards.com Ted Rossman, who's gathered data on holiday tipping trends and practices.Especially now, metro Detroit servers like Patrick Foody say an extra gesture really goes a long way. He works at Basement Burger Bar in Detroit, which doesn't have outdoor dining and due to an epidemic health order from MDHHS, cannot offer dine-in service until Dec. 20.Foody says he often doesn't get any tip at all when working take-out, and after tipping out cooks and dishwashers, he sometimes loses money on orders.“We take care of you all year long. Around the holidays especially this year when we’re not working dine-in, just to throw a little bit more care our way if you can," he said.You can also buy gift cards to restaurants in lieu of giving extra cash tips for the holiday; some venues like Basement Burger Car offer discounts or deals. At Basement Burger Bar, every in gift cards you spend gives you bonus bucks to spend at the restaurant, Foody says.“There are some industries, some places where they cannot accept gifts or cash, Post said. Like certain long-term care facilities or mail carriers. USPS workers cannot accept cash or gifts more than a value.In cases like that, Post suggests snacks, refreshments, or baked goods with a handwritten note. It's important to make sure there's enough to be shared with co-workers or other members of an office or branch; always leave a note and a visible list of ingredients, Post advises. And this year due to the pandemic, pre-packaged or individually wrapped items are best.“A minority of people are tipping their trash or recycling collectors, only about 40 percent of people typically do that," Rossman said.Cash tips for garbage or recycling collectors should generally be in the - range according to The Emily Post InstituteFor personal service providers like stylists, barbers, personal trainers, dog walkers, and the like, a holiday tip should be the value of one session or serviceFor regular babysitters, an appropriate holiday bonus would be equivalent to one day or night's payLive-in care providers or house cleaners should be given one week's pay as a sign of holiday appreciationPost said for those who cannot afford to give a monetary thanks this holiday season, handwritten notes that explain the difficult circumstances and offer appreciation for service go a long way.Click here for more holiday tipping protocols to remember this year.This story originally reported by Jenn Schanz on WXYZ.com. 3485

It was a journey of love, driven by a mother's loss, stretching across a thousand miles of ocean as the world watched and wondered.An apparently grieving female orca whale who swam with the body of her dead calf for more than two weeks has stopped carrying the carcass, environmental officials said.The adult -- Tahlequah, or J35 as she is known by researchers -- and corpse were last seen definitively last week, 17 days after the baby's birth. The female calf died after a few hours. The mother, preventing her baby from sinking, had been nudging it toward the surface of the Pacific off the coast of Canada and the Northwestern United States. 653

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