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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 many states, there's no punishment for adultery. But in North Carolina, it can be a serious offense, as one man came to realize last Thursday.A judge ordered Francisco Huizar III to pay .8 million to Keith King, whose wife he had been seeing for 16 months.Why so much? Well, most of the money awarded consisted of punitive damages, solely meant to penalize the defendant. But about .2 million of it was in compensatory, or tangible damages.King's attorney, Joanne Foil, said that after finding out about the ongoing infidelity of his wife, Danielle Swords, his company lost revenue and an employee --- his wife. The pair eventually separated.King filed the suit on grounds of criminal conversation, alienation of affection, intentional infliction of emotional distress, negligent infliction of emotional distress, and assault and battery. 853

find recipes ranging from Mountain Dew salsas to Mountain Dew brisket."The relationship between MTN DEW and our fandom is the most exciting partnership, and we've continued to draw inspiration from these amazing people and to try to pay back the love they show us every single day," said Nicole Portwood, Vice President, Marketing, MTN DEW, in the press release." Our fans have been creating delicious, outrageous, and genuinely mind-blowing recipes with MTN DEW for years. In many ways, this is the long-overdue love letter to those beautiful edible creations and the people behind them. We're honored to share these recipes with the world in our first-ever curated cookbook!"Other recipes include green mozzarella bites, which are covered with Flamin' Hot Cheetos and Mountain Dew-infused pickles.The cookbook will cost and be sold on its newly launched DEW Store beginning next week. 1308

It was just a few days before Thanksgiving, when an 8th grader was shot and killed in Milwaukee, Wisconsin.Sandra Parks was sitting in her room watching TV, when a stray bullet came through the window.“She said, ‘Mama, call the police. I been shot,’” Sandra’s mother, Bernice, describes of that night. “She was laying on the floor. I thought she was playing, but I called the police anyway because I’m like that’s too many gunshots, what the hell is going on?”The 13-year-old’s award-winning essay is now being shared around the world and read on national news outlets. In the young girl’s essay, “Our Truth,” Sandra wrote about gun violence.Sandra’s words are now some of the only things her mom says she has left of her daughter.“I don’t have her flesh. I don’t have her smiling at me all the time. I don’t have what I want, and I want my baby,” Bernice says. “Ain’t nothing gonna make that better. It’s just that being in this house, since she been gone, it’s strange, scary, and it’s unacceptable.”Bernice says her daughter’s words are giving her strength as she prepares for the funeral. The mother hopes Sandra’s essay might prevent another family from going through the same pain.“The stuff that she wrote, people should listen to it. Heed to it. Follow it, because it’s only right that kids should live. Adults should live,” she says. “I don’t think nobody should die, not by the hands of body else for no apparent reason. She didn’t do nothing.”Police have arrested two suspects they believe were connected to the shooting.A public visitation for Sandra will be held Friday. 1596

In this image from video, Sen. Elizabeth Warren, D-Mass., speaks during the third night of the Democratic National Convention on Wednesday, Aug. 19, 2020. (Democratic National Convention via AP) 202

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