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Americans will soon have one more alternative to Obamacare, thanks to the Trump administration.Officials Tuesday proposed regulations that will make it easier to obtain coverage through short-term health insurance plans by allowing insurers to sell policies that last just under a year. The new rules stem from an executive order President Donald Trump signed in October aimed at boosting competition, giving consumers more choices and lowering premiums."Americans need more choices in health insurance so they can find coverage that meets their needs," said Health and Human Services Secretary Alex Azar. "The status quo is failing too many Americans who face skyrocketing costs and fewer and fewer choices. The Trump Administration is taking action so individuals and families have access to quality, affordable healthcare that works for them."The proposal would reverse an Obama administration decision to limit the duration of short-term health plans to no more than 90 days in order to make them less attractive.Such plans could roil the Obamacare market, drawing healthier consumers away from the exchanges and pushing up the premiums for those who remain.Short-term health plans, which have been available for years and were originally designed to fill a temporary gap in coverage, are likely to be cheaper than Obamacare policies. But that's because they don't have to adhere to Obamacare's consumer protections, allowing them to do such things as exclude those with pre-existing conditions and base rates on applicants' medical history.Also, they don't have to offer comprehensive coverage. Typically, short-term policies don't provide free preventative care or maternity, prescription drugs and mental health benefits. They can also impose annual or lifetime limits, meaning they may only pay out a set amount -- often million or less -- leaving the policyholder on the hook for the rest. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at ,350 for 2018.Young and healthy folks may like these plans because they come with lower monthly premiums. But those who actually need care could find themselves having to pay more out of pocket for treatment and medications. In fact, some consumers with these plans have complained that they've been hit with unexpected expenses.Also, insurers aren't required to renew the policies so those who become sick could find themselves unable to sign up again for the same plan."People who buy short-term policies today in order to reduce their monthly premiums take a risk that, if they do need medical care, they could be left with uncovered bills and/or find themselves uninsurable under such plans in the future," wrote Karen Pollitz, senior fellow at the Kaiser Family Foundation, in a recent policy brief.Have you ever had a short-term insurance policy? What was your experience? Tell us about it here.Consumers today can find short-term plans that cost as little as 20% of the least expensive Obamacare plan, according to Pollitz.In its announcement about the proposed rules, the Trump administration said short-term policies are designed to fill a temporary gap in coverage. It will require insurers to notify consumers that the plans are not required to comply with all of Obamacare's mandates.The administration will accept comments on the proposed rule for the next 60 days.Those with short-term policies are not considered insured under the Affordable Care Act and are subject to the penalty for not having coverage. But this will not be an issue after this year since Congress effectively eliminated the individual mandate -- which requires nearly all Americans to be insured or pay a penalty -- starting in 2019 as part of its tax overhaul bill.The proposed regulations are the latest step in the Trump administration's quest to weaken Obamacare. Last month, officials unveiled a proposed rule that would make it easier for small businesses -- and some self-employed folks -- to band together and buy health insurance. That proposal also stemmed from Trump's executive order and is designed to broaden access to what are known as association health plans.  4169

As health officials around the world tack COVID-19 infection rates, two universities in the U.S. have partnered with Facebook to try to predict infections with real-time survey data.Dr. Alex Reinhart, an assistant teaching professor of statistics and data science at Carnegie Mellon University and a member of the Delphi Group, says that as health officials were struggling with testing capacity in the spring, they realized they might be able to predict infections by analyzing social media."They realized that if we could know when people are experiencing symptoms, they probably experience symptoms a few days before seeing a doctor. That's probably a few days before they get test results back and so that could potentially be an early indicator," Reinhart said.The Delphi Group reached out to Facebook, which agreed to help them survey its users."Every day Facebook takes a random sample of their active users that day in the United States and internationally and invites them through a little blurb at the top of their newsfeed that says, 'you can help coronavirus research' if you take this survey, which is voluntary," Reinhart said.Once Facebook users click on the survey button, it takes them to Carnegie Mellon's page for the survey. The University of Maryland also jumped on board with the project and conducted the survey for all international Facebook users.Facebook does not receive any survey data and only refers to the interested participants to the survey links. So far, more than 30 million people have taken the survey.Dr. Frauke Kreuter, who is working with the University of Maryland in Germany on the international side, says she's not aware of another global survey on COVID-19."There are two factors globally, I would say. One, is that many countries do not have good reporting systems and so they rely even more on alternative data sources. And the other one is, you want to compare yourself to other countries, but for that you need to have kind of the same measure in each country," Kreuter said. "And that's what we're lacking with a lot of measures right now because each country does there reporting slightly different."So far, Carnegie Mellon and the University of Maryland have been able to develop heat maps showing coronavirus symptoms across the country and world. Reinhart says they've been on par with COVID-19 infection rates being reported from health officials and says the survey has helped them identify patterns when it comes to mask-wearing and infection rates."In early September, we started asking questions about mask usage and we soon found that there is a striking difference in mask usage across the country," Reinhart said. "At the time, places that had lower mask usage seemed to be having a worse time in the pandemic."Reinhart says the survey results are helping them learn more about the effects of mask mandates. Researchers are hoping to continue the survey as the pandemic evolves — for example, they hope to begin gauging users on vaccine usage and skepticism in the coming months.The data is available for anyone to view and use."It's different from what you can get from cell phone mobility data that we see people use because we get to directly ask people what they're thinking, how they're feeling, what they're experiencing," Rinehart said. "We'd like as many people as possible to discover this data and use it for their own important research questions." 3430

An alligator was spotted trying to climb the fence at Lely High School in Naples, Florida, Monday morning.Ray Simonsen, a.k.a "Ray the Trapper," was called in to get it.“Gators can climb. That’s why you can find them wherever, whenever," said Simonsen.Simonsen said he wasn’t surprised by what the gator was doing, but by how big it was.“I received a call that there was a 4-foot gator on property. I roll up and I get a big grin on my face, because that 4-foot was 7-foot 6-and-a-half-inch," said Simonsen.But that alligator Simonsen caught wasn’t the only one that got somewhere it didn’t belong on Monday. According to the Lee County Sheriff’s Office, deputies had to respond to the Estero Parc Apartments, because an alligator actually got inside the building.The sheriff’s office posted a picture to Facebook, saying people were in the elevator when the doors opened, and a small gator was there to greet them. 923

As Juventus and Napoli players emerged onto the pitch for Sunday's key Serie A match, viewers' attention was drawn to a red mark on each of the players' cheeks.Part of a campaign organized by Italian organization WeWorld Onlus, the league and players' association, the line of red lipstick was to help raise awareness of domestic violence in Italy.As well as every player in the league wearing the red mark across the weekend's fixtures, the initiative has also been supported by players using the hashtag #unrossoallaviolenza (a red card to violence) on their social media accounts.Napoli captain Marek Hamsik, who recently overtook Diego Maradona as the club's all-time top goalscorer, was pictured with the red mark alongside wife Martina Franova.As was Lazio striker Ciro Immobile, the league's current top goalscorer, who posted a photo with girlfriend Jessica Melena. 881

ARCADIA, Calif. (AP) — A fifth horse has died at Santa Anita this fall, the 35th overall fatality since Dec. 26 at the Southern California racetrack.G Q Covergirl injured both her front legs Friday on the training track. The 5-year-old mare was euthanized on the advice of the attending veterinarian.Trained by two-time Kentucky Derby winner Doug O'Neill, G Q Covergirl had six wins in 16 career starts and earnings of 0,730. She had won her last two starts and finished in the money in all of her six races this year. O'Neill also owned the mare in a partnership.The training track has caused the fewest number of breakdowns. However, there have been three deaths on it since the fall meet began on Sept. 27, including one that was believed to be a heart attack. The other two fatalities occurred during races.Santa Anita hosts the Breeders' Cup world championships next weekend. 891