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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

Consumers are being warned that some over-the-counter teething products for babies can pose a serious risk.The Food and Drug Administration announced Wednesday that oral health products for infants containing the pain reliever benzocaine for the temporary relief of sore gums should not be marketed or sold."If companies do not comply, the FDA will initiate a regulatory action to remove these products from the market. Also, the agency is requesting that companies add new warnings to all other benzocaine oral health products to describe certain serious risks," the FDA message says.Products with benzocaine post "serious safety risks," the FDA says. They also show no real demonstrated benefit." ... The FDA is taking steps to stop use of these products in young children and raise awareness of the risks associated with other uses of benzocaine oral health products. In addition to our letters to companies who make these products, we urge parents, caregivers and retailers who sell them to heed our warnings and not use over-the-counter products containing benzocaine for teething pain."We will also continue working with Congress to modernize our over-the-counter drug monograph regulatory framework as part of our mission to protect and promote public health," the FDA says.Read more on the announcement here. 1329

COVID-19 isn't the only concern with the upcoming election.The FBI and Department of Homeland Security are warning local governments about possible ransomware attacks, something like malicious software blocking officials from access to voting systems.Experts think that is more of a likely scenario than altering actual votes.“The only way to ensure confidence is to demonstrate that you've done everything you possibly can to facilitate that safe and secure election,” said Maya Worman, Executive Director of Election Cyber Surge Initiative.The initiative is led by the University of Chicago. It’s pairing local election officials with volunteer cyber security experts to address specific areas of cyber security concerns.“And the biggie, I think, is human error, user error, whether that is accidentally sending sensitive information to the wrong person, not having a strong password management system, sharing passwords,” said Worman.The pandemic is adding further complications, with just more than 90 days to go.Worman says they felt the urgency to be proactive in helping election officials.“Now, we’ve got so many people working from home on their own devices,” said Worman. “An organization has no insight into what the security around your home, Wi-Fi or home devices, is.”This free resource is invaluable for elections. Some states rely on staff or federal assistance for cybersecurity. Others pay private companies.The pandemic could mean a reduction in volunteers, a new need for PPE and an influx of absentee ballots. 1538

Crews are working to remove a car from a freshly poured section of road in Cleveland. According to Twitter user Kate Warren, the motorist drove right into the concrete on Thursday afternoon.The incident happened on Euclid Avenue and East 9th Street. 267

Corporate America is coming to Wall Street's rescue.The Dow soared?548 points, or 2.2%, on Tuesday as investors cheered fat profits from major companies and relative calm in the bond market. The huge rally, the Dow's best day since March, helped the index recover a chunk of last week's hefty losses.Tech stocks, the biggest losers during the market turmoil, raced back to life. The Nasdaq spiked nearly 3%, while the S&P 500 advanced 2.2%.Investors piled back into tech darlings. Amazon, Facebook and Netflix closed sharply higher."It's a bounce back after an overdone situation last week," said David Joy, chief market strategist at Ameriprise Financial.Market sentiment was lifted by earnings beats from Goldman Sachs, Morgan Stanley and Johnson & Johnson. Adobe and UnitedHealth added to the good news by offering upbeat guidance for 2019.Taken together, the corporate report cards underscore the ability of businesses to cash in on the strong US economy. And the results should ease fears about the US-China trade war."We're focusing back on fundamentals," said Dan Suzuki, portfolio strategist at Richard Bernstein Advisors. Suzuki called Tuesday's rally a "reflexive rebound."Last week, the Dow, S&P 500 and Nasdaq all suffered their worst week since March. At one point, the Dow plummeted more than 1,000 points in just two trading days.Despite Tuesday's advance, all three major indexes remain firmly in the red for the month.One major source of investor nervousness has improved: bond yields. A sudden spike in 10-year Treasury rates above 3.25% spooked markets. The rapid climb in rates was driven by the strong economy, the surging federal deficit?and concerns about a more aggressive Federal Reserve.Investors feared higher borrowing costs that could slow growth and sudden competition for the stock market from boring bonds.But Treasury rates, which move in the opposite direction of prices, eased late last week as investors poured cash into the safety of government bonds. Rates have stabilized at around 3.15%, relieving stock market bulls."That has reassured people that this is not the start of something much worse that could really sidetrack the market," said Bruce McCain, chief investment strategist at Key Private Bank. 2288