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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

It all started at 20 years old on stage at the NFL draft when my dream came true, and now here I am about to turn 30 in a few months with a decision I feel is the biggest of my life so far. I will be retiring from the game of football today. I am so grateful for the opportunity that Mr. Kraft and Coach Belichick gave to me when drafting my silliness in 2010. My life experiences over the last 9 years have been amazing both on and off the field. The people I have meet, the relationships I have built, the championships I have been apart of, I just want to thank the whole New England Patriots organization for every opportunity I have been giving and learning the great values of life that I can apply to mine. Thank you to all of Pats Nation around the world for the incredible support since I have been apart of this 1st class organization. Thank you for everyone accepting who I am and the dedication I have put into my work to be the best player I could be. But now its time to move forward and move forward with a big smile knowing that the New England Patriots Organization, Pats Nation, and all my fans will be truly a big part of my heart for rest of my life. It was truly an incredible honor to play for such a great established organization and able to come in to continue and contribute to keep building success. To all my current and past teammates, thank you for making each team every year special to be apart of. I will truly miss you guys. Cheers to all who have been part of this journey, cheers to the past for the incredible memories, and a HUGE cheers to the uncertain of whats next. 1614

IOWA CITY, Iowa (AP) — Tyson Foods says it has fired seven top managers at its largest pork plant after an independent investigation into allegations that they bet on how many workers would test positive for the coronavirus. The company announced Wednesday that the investigation led by former U.S. Attorney General Eric Holder revealed troubling behavior that resulted in the firings at the plant in Waterloo, Iowa. “We value our people and expect everyone on the team, especially our leaders, to operate with integrity and care in everything we do,” said Tyson Foods President & CEO Dean Banks said in a press release. “The behaviors exhibited by these individuals do not represent the Tyson core values, which is why we took immediate and appropriate action to get to the truth. Now that the investigation has concluded, we are taking action based on the findings.”Banks traveled to the Waterloo plant on Wednesday to discuss the actions with employees.The names of the employees fired will not be released, the Associated Press reported.According to USA Today, lawyers who are representing the five Tyson workers who died of COVID-19 allege that plant manager Tom Hart organized a "cash buy-in, winner-take-all betting pool" among other managers and supervisors. 1278

In recent years, I've noticed a rising -- and welcome -- resistance to helicopter parenting.We parents have heard all the stories about how anxious American children are, how they arrive at adulthood with hefty résumés but little sense of purpose, and want to do things differently. Our daughters' and sons' childhood will not be curated, nor their days boxed in!Of course, this hands-off approach is no less a fantasy, and a privileged one at that, than its more hands-on alternative. And the potential glitches of this laissez-faire plan are both inevitable and wide-ranging.Children need freedom, yes, but they also need us, their ostensibly wiser guardians, to pay attention to their particular needs and help them meet them. This is clearly the case with children with physical or mental disabilities or emotional disorders. But it can be a bit harder to navigate when a child is gifted. 900

Investigators for special counsel Robert Mueller have recently been asking witnesses about Donald Trump's business activities in Russia prior to the 2016 presidential campaign as he considered a run for president, according to three people familiar with the matter.Questions to some witnesses during wide-ranging interviews included the timing of Trump's decision to seek the presidency, potentially compromising information the Russians may have had about him, and why efforts to brand a Trump Tower in Moscow fell through, two sources said.The lines of inquiry indicate Mueller's team is reaching beyond the campaign to explore how the Russians might have sought to influence Trump at a time when he was discussing deals in Moscow and contemplating a presidential run.Mueller was appointed to investigate Russian meddling in the 2016 campaign. The President claims that any investigation of his family's finances would be a breach of the special counsel's mandate.Two of the sources said they do not know from the questions asked whether Mueller has concrete evidence to indicate wrongdoing."You ask everything even if you don't think it's credible," one of the sources said, adding, "the allegations are out there, and it was checking the box."The special counsel's office, an attorney for the President and the Trump Organization all declined to comment for this story.Questions about Trump's entry into the campaign 1428

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