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It will cost a little less to buy Obamacare coverage in 2019.The average premium for the benchmark silver plan will decline by 1.5%, the Centers for Medicare & Medicaid Services said Thursday.It's the first time average premiums have fallen since the Affordable Care Act exchanges opened in 2014 — but the decline comes after a 37% spike for this year's benchmark silver plan.Americans who buy those plans will save a month over this year's rate, on average, but will still be paying 5 more a month than in 2017.Premiums vary across the 39 states that use the federal exchange. The biggest drop will be in Tennessee, where premiums will fall by more than 26%.The vast majority of Obamacare enrollees are not affected by annual premium changes because they receive federal subsidies to offset the cost. 819

INDIANAPOLIS — A woman needed help after she spent nearly ,000 on Amazon gift cards from Kroger and they didn't work. "I love wearing jewelry. I wear a lot of jewelry that I know makes a woman feel really good; it makes her feel a little bit more bouncy," said, Lilly Ogle, who is a jewelry maker.The cash from her creations sold around the world helps pay the bills."I've sold pieces in Denmark, Finland, Germany—just all over," she said. "I use real stones; I use onyx, pearl, Mother of Pearl, jade, all kinds."Last year, she saved 5. That money was meant to buy Christmas gifts for her family."It took me a whole year to save that money," Ogle said. So she bought 5 in Amazon gift cards at her local Kroger store, and then this happened:"I got home 20 minutes later, tried to use those cards, and they said they have already been used—that's impossible. I just got them," Ogle recalled. She says Amazon told her they couldn't help because she did not order the cards directly from them.Though she had her receipts, Kroger said it could not help because gift cards are like cash. The cards "...cannot be replaced, and no refunds can be made."Kroger also said, "Cashiers have no way to know if the gift card belongs to the person presenting it or to someone else ... since the cards have no names on them and no ID is required for their use.""I'm not trying to get more than I paid for the cards. I feel like I deserve 5 back that I put out for the cards," Ogle explained. Blackhawk Network, the company that oversees the Amazon cards, said they could not provide specifics on what happened to Ogle's card. They did review our request and, in the end, refunded the 5. The company said in a statement:"We can share that we are in contact with her to resolve this matter to her satisfaction. Our advice to any cardholder that may have questions, concerns, suspicions about a card is that it's very important to call the customer service number on the back of the card immediately."We have processes to help victims of fraud through restitution when appropriate. However, we don't go at it alone. Blackhawk partners with law enforcement in our various geographies and retail industry organizations to enable a safer shopping environment for consumers."This article was written by Rafael Sanchez for WRTV. 2325

It has been more than two weeks since the Camp Fire devastated parts of California, especially the community of Paradise, but for one pet owner, not all was lost. Andrea Gaylord had to go several weeks not being allowed to return home due to the fire, which was the deadliest in California history. When Gaylord returned home on Wednesday, her dog was there waiting for her. According to KXTV, lost her home in the Camp Fire. But she considers herself fortunate. "You could never ask for a better animal," Gaylord told KXTV. "You really couldn't."Gaylord had some assistance from an animal rescue volunteer who was allowed inside of the evacuation zone. Shayla Sullivan took care of Gaylord's other dog Miguel, which is also Madison's brother. Sullivan would leave food and water at what was left of Gaylord's home in hopes that Madison would come around. Gaylord said when she pulled up to her home in Paradise, Madison was there waiting for her. "Imagine the loyalty of hanging in in the worst of circumstances and being here waiting," Gaylord told KXTV "It was so emotional." 1121

INDIANAPOLIS -- For the more than 100 supporters who crowded a second-floor meeting room – and overflowed into a ninth-floor ballroom – the United Methodist Church’s hearing in Indianapolis Friday about Rev. David Meredith was a referendum on their own place in the church.Meredith, an openly gay man who has served as the pastor of Clifton United Methodist Church in Cincinnati since 2012, was called to Indianapolis for a hearing before the UMC’s North Central Jurisdictional Committee on Appeals.At issue is whether his 2016 marriage to his partner of three decades, Jim Schlachter, disqualifies him from remaining as an ordained minister within the UMC.READ MORE | Gay United Methodist Church pastor to stand 'trial' in IndianapolisThe challenge was raised by a group of 11 UMC denomination members, including at least two fellow clergymen, shortly after Meredith and Shlachter’s wedding. In letters sent to the UMC’s West Ohio Conference, the objectors cited the denomination’s Book of Discipline, which states that homosexuality is “incompatible” with Christian teaching:“While persons set apart by the Church for ordained ministry are subject to all the frailties of the human condition and the pressures of society, they are required to maintain the highest standards of holy living in the world. The practice of homosexuality is incompatible with Christian teaching. Therefore self-avowed practicing homosexuals are not to be certified as candidates, ordained as ministers, or appointed to serve in The United Methodist Church.” 1550

INDIANAPOLIS -- It was not to be. Danica Patrick will not finish her final Indianapolis 500.Patrick hit the wall in Lap 68.She appears to be okay. 154