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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

ARAPAHOE COUNTY, Colo. -- Bags of clothes are piled up in Liz Keenan’s home office, racks of clothes are taking over Kimberly Jarrett’s family room. Both women invested thousands of dollars in the popular clothing company LuLaRoe and now worry they could be out some serious cash.Denver-based KMGH talked to and exchanged messages with at least 15 different women, they all told a similar story about a business they loved and broken promises.The California-based company was slapped with a class-action lawsuit accusing it of running a pyramid scheme. The company fired back saying that the lawsuits are “factually inaccurate and misinformed,” The Associated Press reported.“Plaintiffs and so many other consultants were never able to realize any actual profit and, as a result, they failed,” the Oct. 23 filing says. “They failed even though they were committed and put in the time and effort. They failed because they were doomed from the start.”Keenan said she started selling LuLaRoe about a year ago after she fell in love with the company’s comfy dresses. The mom of two teenage boys works part-time as a massage therapist and wanted a new challenge.“You heard stories. You know, I know one lady -- she was able to buy her house full out, and her husband was able to retire. You know, you hear those stories and I knew her personally,” said Keenan.She spent about ,500 to start up her business and estimates she has bought somewhere around ,000 in clothes. She resigned this summer and the company sent her an email stating she would get a 100-percent refund if she mailed the leftover clothes back.Keenan says she was in the middle of a move and by the time she went to mail the clothes back, the company had cancelled that offer.“It was very disappointing, it just kind of made you sick to your stomach,” said Keenan. She has 15 tote bags full of clothing that she wants to sell, it’s probably worth at least ,000.Keenan is far from alone. KMGH’s Liz Gelardi talked with a woman from Westminster, Colorado who believes she has anywhere from ,000 to ,000 in inventory. A woman from Greeley says she is left with ,000 and a single mom from Ft. Collins has ,000 worth of inventory crammed in a two-bedroom apartment with her kids.The women who talked to KMGH about their experiences all wanted a way to make a little extra money and like the appeal of working from home. Some of the women who were “trainers” -- meaning they had people working under them said they did make money.Kimberly Jarrett said she met lots of friends through LuLaRoe and said it really helped her family have a better life. She decided to part ways because she felt like the company’s values shifted.“They had their policies and they ended this offer and it hurt a lot of people and it hurt two of my personal teammates,” said Jarrett.She has an estimated 500 pieces of clothing sitting in her living room. Ex-retailers feel like they’ve been left with no choice but to discount the items even though they had been told not to.LuLaRoe is offering a 90 percent refund, but several women told KMGH they’ve been waiting months to get their money back. Jarrett said if she sent the clothes back she would have to pay for shipping and all her bonuses would be deducted from the amount she was owed.Many of the same consultants also told KMGH they knew what they were getting into and understood they would be taking on some when they opened a business. They also expressed concern about hurting the other consultants if they sold their merchandise at a discount.“The people that are trying to hold on I wish them all the best and I want them to hold on and I want them to succeed… but I’m just going to have to watch and hope for best for them,” Jarrett said. 3765

AMPA, Fla. — Tampa police have charged a mother with first-degree murder after police say she drowned her daughter in the Hillsborough River, killing her.Shakayla Denson, 26, has been arrested and charged with first-degree felony murder and aggravated child abuse in the death of 4-year-old Je'Hyrah Daniels. She also faces a charge of grand theft auto.Denson made a first appearance in court on Friday morning.  A judge set no bond on the charges of murder and child abuse.Tampa Police officers responded around 4:06 p.m. local time Thursday after receiving reports of a woman who drowned a child in the river just north of the Columbus Drive bridge. The dive team also responded to the scene where they pulled Je'Hyrah from the water around 4:30 p.m. She was discovered approximately 75 feet from the shore. Emergency services rushed her to St. Joseph's Hospital where she was pronounced dead.  Police say Denson was located walking nearby when they took her into custody. Investigators say Denson had just stolen a car - a grey Nissan Altima - from a nearby auto repair shop. She parked the car on Rome Avenue just north of Aileen Street. Witness AccountsAccording to an arrest affidavit released Friday morning, two witnesses said Denson "forcefully pushed Je'Hyrah into the back seat of the Nissan Altima." One of the witnesses attempted to stop Denson from leaving but was struck by the Altima as she left. Two other witnesses told police they saw Denson near Aileen St W and Rome Avenue N where she "forcefully removed Je'Hyrah from the back seat of the Altima by the arm." They said as Denson pulled Je'Hyrah she was "screaming loudly and not cooperating." Denson then went into the Hillsborough River while holding both of Je'Hyrah's arm until the water reached her shoulders.Vicki Walker lives on the 3rd floor of the Dockside Condos in Tampa, directly facing where police say Je'Hyrah was drowned.She told said that she never saw the child, but spotted a woman walking out of water not long before police arrived.“Which was very odd, I’ve lived here for years, I’ve never seen anybody in the river," she said.Walker took a photo of the woman in the river.Walker says that the woman was by herself and that she watched her walk out of the river onto the bank, where she says the woman sat for a while.“There’s a part of me that’s like ‘oh my gosh, why didn’t I run over there? Why didn’t I talk to this person? Why didn’t I find out what was going on?’ I had no idea,” Walker added. A GoFundMe that appears to have been created by Denson was posted nine months ago, it shared a photo of her and Je'Hyrah with the caption: 2684

Apparently, the mysterious monolith in a remote area of southeast Utah wasn't that hard to find for at least one person and his crew.Dave Sparks, star of the Discovery Channel show "Diesel Brothers," was able to find the tall and shiny object earlier this week, days after officials in Utah announced its discovery.Sparks posted videos on his Instagram account from the undisclosed location.Sparks says the monolith is an "insanely creative piece of metal art." He also described how the monolith was most likely constructed in an Instagram video. 555

As floodwaters started receding in central Texas, authorities discovered the body of a second victim in this week's deluge.The woman's body was found in Llano County, one of the areas inundated by the swollen Llano River, county officials said Wednesday. The woman's name has not been publicly released.On Tuesday, another body was found in the Colorado River in neighboring Burnet County, sheriff's office Capt. Tom Dillard said. Near-record flood levels swamped homes and caused a bridge to collapse.But there's a sliver of good news: While flood warnings are still in effect due to ongoing rain Wednesday, the Llano River's depth has dropped significantly."Right now, the Llano River is at about 12 ? feet, down from just shy of 40 feet yesterday," Llano County Emergency Management Coordinator Ron Anderson said Wednesday. 834