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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

Instagram is continuing its efforts to combat bullying on the platform.On Tuesday, the company said it is starting to use new machine learning technology to proactively detect bullying in photos and captions. Those posts will be sent to Instagram's Community Operations team for human review."Online bullying is complex, and we know we have more work to do to further limit bullying and spread kindness on Instagram," Adam Mosseri, the new head of Instagram, said in a blog post.Mosseri was named Instagram's chief last week following the exit of co-founders Kevin Systrom and Mike Krieger. This is Mosseri's first announcement in his new role.An Instagram spokesperson said the technology can detect bullying and harassment such as attacks on a person's appearance or character and threats to someone's wellbeing or health.For example, the tech can identify bullying tactics such as comparing, ranking and rating images and captions, such as a split-screen image in which a person is compared to someone else in a negative way. It's unclear what else the technology can detect and whether it would work on images without captions.This feature has started to roll out and will continue to in the coming weeks.The company, owned by Facebook, is also launching a "Kindness Camera Effect" in partnership with dancer Maddie Ziegler. Anyone who follows Ziegler will have the camera effect automatically. In selfie mode, hearts will appear on the screen. In rear mode, kind comments in different languages will appear. You can tag friends, too.Earlier this year, Instagram announced it would filter out bullying comments that aim to harass or upset users. That feature built on a tool introduced last year that blocks offensive comments, and a filter that removes spam in comments. Starting Tuesday, the bullying comment filter will also apply to Live Videos on Instagram.Users can also turn off comments on individual Instagram posts and block posts with certain keywords. 1975

INDIANAPOLIS -- The widow of an Uber driver who was killed in an Indiana crash earlier this month is calling out a politician who is using her husband's death to promote his campaign in a commercial. Republican Candidate for US Senate Mike Braun is using the deaths of Colts' player Edwin Jackson and his Uber driver, Jeffrey Monroe, in his new radio and TV ads. "You don't have a right to take other people's misery and use it for your own political gain," said Deborah Monroe. "That's just wrong - that's just downright wrong."READ | Wife of Uber driver killed in crash w/Colts player says she's 'not surprised' at husband's actionsManuel Orrego-Savala, an undocumented immigrant, is accused of driving drunk and killing Jeffrey and Edwin. Braun uses their images and deaths and Orrego-Savala's immigration status to promote building the wall and ending chain migration. READ MORE | Docs: Suspect in drunk driving crash that killed Colts player, Uber driver showed ‘no remorse’ | Suspect in crash that killed Colts player was in U.S. illegally, had been deported twice"His immigration status didn't kill my husband," said Deborah. Mike Braun's campaign issued the following statement about the ad.Mike Braun believes that Washington needs to stop illegal immigration, build the wall, and keep criminal illegals like the one that killed Jeffrey Monroe and Edwin Jackson out of Indiana. Mike and his family are praying for the families of the victims." 1510

INDIANAPOLIS, Indiana — Police have arrested an Indianapolis man on a charge of murder in connection with the death of his friend on the Near Eastside earlier this month.Dewayne Sims, 32, was taken into custody Thursday night on a warrant for charges of murder and being a felon carrying a handgun in connection with the death of 36-year-old Earl Whitney.Whitney was found shot and killed inside a home in the 500 block of North Tacoma Avenue just after 6:30 p.m. on March 8.According to a probable cause affidavit filed Monday, a witness told police that Whitney had brought home his longtime friend, Sims. Both appeared to be possibly intoxicated, according to the witness.At one point in the evening, Whitney reportedly attempted to get Sims to leave. Sims, the witness said, had dozed off. When Whitney tried to rouse him, Sims reportedly said, “Who is you?”Whitney reportedly responded, “It’s me, cuz” – at which point Sims allegedly shot him. According to the witness, Sims shot Whitney once, paused, then shot him two more times. Sims then allegedly fled the residence.An autopsy of Whitney determined he died of a gunshot wound to the torso.According to the affidavit, Sims was on GPS monitoring through Marion County Community Corrections at the time the shooting took place. The device “reported insufficient,” though, meaning that it “did not have a clear view of satellites to report a valid location.”As of Friday evening, Sims was being held without bond at the Marion County Jail. An initial hearing had not yet been set. 1549

In one of the most divisive political seasons in U.S. history, finding common ground has been a challenge. But one activist decided to put rubber to the pavement in the hopes of finding what connects us.Seth Gottesdiener recently embarked on a cross country odyssey on his bicycle.“It's my preferred method of transportation and I find it really meditative,” said the avid cyclist. “It's one of my favorite things to do athletically outdoors.”The 33-year-old social justice activist mounted his two-wheeler back in late September for what he called "The Great American Bike Ride."“I thought why don't I bike across America and talk to people,” said Gottesdiener. “I'll talk to just denizens of the country and see where they're at and see how this year has affected them and their opinions.”The 45-day journey began in Los Angeles. His plan was to pedal his way through 22 cities and 13 states, concluding his expedition in the nation’s capital on Election Day.“I was not prepared for the great Southwest,” he said. “It was very intense. It was very unrelenting. The heat was over 100 degrees a lot of the days, giant mountains, really dry.”All along the way, Gottesdiener met with Americans from all walks of life. He interviewed them as part of a feature documentary.“I want people to hear voices that they would have never come encounter with on their own. I want to connect Americans together.”The ride also took him on a journey of self-discovery.“There’s parts of the country that I hadn't ever seen before, like Arkansas, like Kentucky, and a lot of Tennessee. And it was beautiful,” he said.It was also an opportunity, he says, to gain a better understanding of fellow citizens bitterly divided by politics. He hopes the journey reminds one another of the human spirit that connects us all.“Be there for each other. Help each other. Pull each other up by the bootstraps, rather than be so divided as we've seen this year.”One of the questions that Gottesdiener asked people on his journey was: “If there's one thing you could say to all Americans right now, what would it be?”He knows what he would say.“I would just say ‘Listen.’” 2147