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As COVID-19 first started to spread in the U.S., hospitals around the country were forced to stop elective surgeries. Now, hospital officials say they're facing perhaps the biggest financial crisis in their history."We've had to curtail regular operations, some of which involve these non-emergent procedures that you mention, and as a result from March to June, we saw a loss of revenue of 0 billion or billion a month," said American Hospital Association President Rick Pollack.Hospitals have also taken on major expenses when it comes to preparing and caring for COVID-19 patients. Plus, many patients they treat don't have insurance.Pollack says hospitals collectively are one of the largest employers in the country, employing more than 5 million people."Half of hospitals' budgets, over half, is devoted to labor costs. So, of course, when all regular operations are shut down and you’re incurring additional expenses to prepare for treating the virus for the community, you have to find ways to cut costs," explained Pollack.Some hospitals have resorted to laying off or furloughing staff."So, it's the last choice,” Pollack said. “It's a bad choice and we try to avoid it, but sometimes, it's inevitable to just stay afloat.”"Whether the disruptions in the health industry remain temporary or permanent is an interesting case because it affects everyone," said Jack Strauss, the Miller Chair of Applied Economics at the University of Denver.Strauss is concerned about how the healthcare industry will recover from the COVID-19 pandemic, especially amid a possible second wave of infections."They make their money on elective surgery and those were not occurring, and so, they're not probably positioned to recover," said Strauss.While a number of states are allowing elective procedures again, the wait time for these patients may be detrimental."Whether it's the detection for a tumor or a scan of a part of a body for a diagnostic procedure, a replacement of a heart valve. So, when you talk about electives, they're really not all that discretionary and we’re really concerned in the period that we shut down all non-emergent procedures that there was a deferral of care,” said Pollack. “We do hear, anecdotally, that the people that are coming back are in a much sicker position because they didn’t get the care that they needed.”Pollack says in order for the healthcare industry to recover, they're going to need a lot of help from the federal government."There's no question, if we don't get the additional assistance it will put the financial viability of a lot of hospitals at risk, particularly in rural areas and vulnerable urban areas," said Pollack.As possibly the biggest industry in the country that's been on the front lines of treating COVID-19, hospitals hope they're one of the first to get major federal help so that the healthcare industry can survive this pandemic. 2909

An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

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 Democrats and Republicans battle over key swing states, some unexpected voting communities could play a significant role in the outcome. With Kamala Harris being the first-ever woman of Jamaican and Indian descent on a major party ticket, the South Asian community is mobilizing like never before.Young, professional, and politically savvy South Asian Americans, like Sabina Bokhari, are beginning to flex their electoral power.“This is a momentous election, as was the last one and so I have definitely upped my political engagement in all the ways that I can,” she said."The Republican Hindu Coalition" and "South Asians for Biden" are two groups driven by very different political ideologies that are presenting potentially strong voting blocks. Dr. Sumit Ganguly, a professor of political science at Indiana University, says they could play a key role in down ballot races.“It's a disproportionately affluent electorate. And it's an electorate that's growing. It could make a huge difference in Senate and House races,” said Ganguly.South Asian Americans have traditionally high voter turnout and have grown to become the second largest immigrant group in the U.S. They also tend to lean democratic.A post-2016 election survey indicates that 90% of Bangladeshi Americans, 88% of Pakistani Americans and 77% of Indian Americans voted for Hilary Clinton.President Trump has made a major play for the Indian vote. Last year, he held a large rally in Texas alongside Indian prime minister Narendra Modi and attracted a crowd of 50,000 Indian Americans.This week, "South Asians for Biden" launched a digital ad campaign series featuring celebrities encouraging South Asians to vote blue.“I know a lot of the aunties and uncles tend to be much more conservative and kind of lean Republican for sure,” said actor Sendhil Ramamurthy. “I think it's up to younger people, younger than myself, to try and change some minds.”Author and filmmaker Gotham Chopra along with his father Deepak, sister and his niece, a first-time voter, put out their own video stumping for Biden and Harris.“We all, three generations, feel very strongly about the stakes of this election and decided to participate in it,” said Chopra.Making inroads at the highest levels of government, Bokhari says means the power of the South Asian vote is being recognized and paving the way for future generations.“Young South Asians and young South Asian women who do want to occupy a role in our government one day it's important to have that representation,” said Bokhari. “So, we know that we can, and to be able to represent our communities to the best of our ability.” 2644

ANAHEIM, Calif. (KGTV) -- The Disneyland Resort announced Tuesday that the park will be closing A Big's Land to make way for a new superhero-themed land.According to the Disney Parks Blog, the Guardians of the Galaxy will be joined by Spider-Man and the Avengers in what will become an immersive superhero universe.The new land will be anchored by the “Guardians of the Galaxy – Mission: BREAKOUT!” in the space occupied by A Bug's Land.RELATED: Disney California Adventure's Pixar Pier to open this summerOn March 19, “It’s Tough to Be a Bug" closed to make way for the new experience. Disney plans to close the rest of the land in the late summer.Watch the announcement video in the player below: 711