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It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326
In the 2020 general election, President-elect Joe Biden beat out a number of formidable candidates to earn the highest office in the land, including President Donald Trump, Libertarian nominee Jo Jorgensen and Santa Claus.Yes, even ol' Kris Kringle received at least one vote for president in 2020, according to the Vermont Secretary of State's website.Every state has its own rules for conducting write-in candidates. In fact, according to Ballotpedia, most states will only accept votes for certain pre-approved write-in candidates.Ballotpedia reports that only eight states — Alabama, Delaware, Iowa, New Hampshire, New Jersey, Oregon, Vermont, and Wyoming — will count the write-in votes for any write-in candidate. And of those states, it appears only Vermont publishes the name of every write-in candidate on its election results webpage.Write-in candidates received 1,942 votes for president in Vermont in the 2020 presidential election. That's compared to the 242,820 that Biden received in carrying the state. It's also more than the 1,269 that independent candidate Kanye West received, despite being listed on the ballot.Among write-in candidates, Sen. Bernie Sanders received the most with 619. That's not exactly a surprise — the left-wing, progressive senator calls the state home and is currently in the midst of his third term as one of the state's senators.Other top vote-getters included moderate Republicans like Sen. Mitt Romney (57 votes) and former Ohio Gov. John Kasich (30 votes). Candidates who sought the 2020 Democratic presidential nomination, like Rep. Tulsi Gabbard (78 votes), Andrew Yang (42 votes) and Pete Buttigieg (24 votes) were also among the top vote-getters among write-ins.Notably, 37 Vermonters thought Vice President Mike Pence should get a promotion to the Oval Office.Dr. Anthony Fauci, the nation's top infectious disease expert, also received a handful of votes. When totaling up various iterations of his name (Dr. Anthony Fauci, Dr. Fauci, Tony Fauci, etc.), he received 13 write-in votes.Then, there were the celebrities. TV hosts Oprah Winfrey (6 votes) and Mike Rowe (5 votes) racked up multiple write-ins. Jennifer Lopez received a vote, as did LeBron James and Dwayne Johnson. There was even a write-in for a ticket of Tyra Banks and "John Teffer" — though that voter may have misspelled the name of Jon Taffer, the host of reality TV series "Bar Rescue."Write-in votes also dipped into the fantastical and absurd. In addition to "Santa Claus," "Walter White," "Michael Scott" and "Tord Sandwich" all received a vote.Finally, it wouldn't be Vermont without at least one vote for "Cheddar."See the full list of people who received a write-in vote by clicking here. 2725

INDIANAPOLIS — People from two separate vehicles had to be rescued after their vehicles slid into an Indianapolis retention pond during the icy conditions Monday evening. Crews with the Indianapolis Metropolitan Police Department and the Indianapolis Fire Department were called to a retention pond near a shopping center around 6:35 p.m. for a report of two vehicles that went into the water. Indianapolis Fire Department Battalion Chief Rita Reith says the drivers of both vehicles claimed to have hit a patch of ice on a bridge nearby and slid into the retention pond. 599
It's likely that a Sacramento sheriff's deputy who struck a protester with a patrol SUV Saturday night didn't realize he had hit someone, Sheriff Scott Jones said during a press conference Monday.The patrol SUV struck a woman as she and others gathered in the street to denounce the killing of Stephon Clark, then left the scene, according to video of the incident. The woman suffered minor injuries and was taken to a hospital, according to the Sacramento County Sheriff's Department."I haven't spoken to the officer about the incident, I'm not even sure that his statement has been taken," Jones said, adding that there has been no change to the deputy's duties at this point during this investigation. "It's an unfortunate event that punctuated an otherwise fantastic evening." 788
Investigators on Monday rolled out an interactive website to help in the search for a missing Iowa college student who disappeared nearly four weeks ago.Mollie Tibbetts,?20, was last seen jogging on the evening of July 18 in the small community of Brooklyn, Iowa, an hour east of Des Moines, according to the Poweshiek County Sheriff's Office. Her family said they reported the University of Iowa student missing the next day after she didn't show up for work at a day care. 487
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