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Diana Farrell is the President and CEO of the JPMorgan Chase Institute, which publishes data analyses and insights that leverage the firm's proprietary transaction data. Previously, Diana was the Deputy Director of the National Economic Council, as well as Global Head of the McKinsey Center for Government and the McKinsey Global Institute. The opinions expressed are her own. The deadline to file your 2017 taxes is just a week away. But if you're one of the millions of Americans — roughly four in ten households — who filed back in February, you probably couldn't wait to get your hands on your expected refund.And there's a good chance you put that refund toward a visit to the doctor.That's according to new research by the JPMorgan Chase Institute, which evaluated when Americans in different income and demographic groups file their taxes.Americans who file their taxes early are more likely to receive a larger tax refund. Early filers were also more likely to spend a larger portion of their refund on health care.Related: How to save money on health care in retirementIn fact, American families increase their health care spending by 60% in the very week they receive a tax refund. And those who received their refunds in February increased their health care spending over the following 76 days by 38%, compared with a 22% increase for those who received refunds in March and an 11% increase in April or May.While some high-deductible health plans encourage early-year spending, JPMorgan found that deductibles aren't the motivating force behind this surge.Instead, among the earliest filers, 64% of their health care spending went to services they had been putting off, including dental visits, hospital visits and in-person doctor appointments.What does this mean? It's increasingly clear that families are treating their tax refunds as a zero-interest savings vehicle, the funds of which they're using for important and sometimes crucial expenses like health care.That's problematic for Americans' financial health, because the IRS does not currently give taxpayers control over the timing of their refund payments, outside of choosing when to file your annual refund between January and Tax Day in April. This means it can be challenging or unrealistic to only schedule payments or purchases around your tax refund every spring.It also poses problems for Americans' physical health, because those who rely on this cash infusion to afford health care are likely to delay care.Related: Americans spend more on health care, but have shorter livesGenerally speaking, young people under the age of 35 and those whose take-home pay is less than ,000 are more likely to be early filers because they have a greater need for this cash infusion.Another reason for filing early could be that low-income families are more likely to receive refundable tax credits, such as the Earned Income Tax Credit, money that is not available except through a tax refund. Across all income and age groups, though, people who are owed a larger refund are more likely to file early.Given the link between tax refunds and health care spending, policymakers and employers should consider making changes that would allow consumers to access funds throughout the year. Policymakers might consider offering periodic tax refund payments -- perhaps quarterly payments so that families wouldn't have to defer care until tax season.Another solution is to make the timing of these payments even more flexible and frequent for those who require urgent health care. This could include an option to apply for emergency funds taken out of your upcoming refund, or an option to file at a different time of year and receive a refund based on year-to-date income.Related: How to file your taxes for the first timeBy fixing one of the largest cash flow events to happen between mid-February and mid-May every year, we're virtually guaranteeing that some Americans will have to defer care.Finally, we should encourage employers to offer alternative savings vehicles, like an employer-based sidecar account. This account would share many of the same features of a tax refund, but give consumers more direct control over when they access funds.These could include built-in commitments and "set-it-and-forget-it" transparency, which would enable consumers the option of a one-time payroll election that recurs with every paycheck, locking them into an annual savings choice similar to other employer-sponsored benefits.By better understanding the connection between health care spending and tax season, we can help more families manage their finances to ensure they're getting health care when they need it, not just when they file to Uncle Sam.The-CNN-Wire 4734

EL CAJON (CNS) - A 21-year-old man accused of leading Border Patrol agents on a high-speed pursuit that ended with a crash on Interstate 8 in Boulevard, killing three of the suspected undocumented immigrants riding in the pickup and injuring seven others, was charged today with murder and other counts.Arraignment for Luis Alberto Virgen, a U.S. citizen who lives in Tijuana, was postponed until Dec. 18 so he can hire an attorney. He was charged with three counts each of second-degree murder and gross vehicular manslaughter, along with seven counts of reckless driving causing injury.Virgen, who is being held on million bail, faces up to 45 years to life in prison.Virgen allegedly sped off when federal officers tried to pull over the passenger-packed white Chevrolet Silverado he was driving near the Mexican border in eastern San Diego County shortly before 4:30 p.m. last Thursday, according to the California Highway Patrol.RELATED: Truck fleeing Border Patrol crashes in Boulevard; 3 killedWith the agents giving chase, Virgen entered Interstate 8 at Buckman Springs Road and fled to the east briefly before exiting at Ribbonwood Road and re-entering the freeway, this time headed west, the Border Patrol reported.After fleeing for several more miles, the suspect ran over a tire- flattening spike strip that agents had laid across the roadway in his path east of Crestwood Road, according to the federal agency.About a minute later, the Silverado -- occupied by a single passenger in the front and the rest unrestrained in the cargo bed -- veered off the interstate, went up a dirt embankment, became airborne, overturned and rolled back down the sloping roadside onto the freeway.Virgen was the only one in the truck wearing a seat belt at the time of the crash, and the others were ejected, CHP public-affairs Officer Travis Garrow said. Two of the male passengers and the sole female member of the group died at the scene of the crash.The names of the deceased were withheld pending family notification. Paramedics took Virgen and the surviving passengers to a hospital for treatment of moderate to serious injuries, Garrow said.About an hour after the fatal accident, Border Patrol personnel in the area came across another vehicle believed to have been involved in the apparent human-smuggling attempt and arrested a second man. The suspect's name was not released. 2393

EL CAJON (CNS) - A man who was caught looting homes vacated during the West fire in Alpine in July was sentenced Friday to nearly five years in state prison.Ardian Iseni, 30, was convicted last month of residential burglary and attempted residential burglary.The 500-acre West fire -- which broke out July 6 -- destroyed 34 homes and 21 other buildings and damaged another 20 homes and buildings.RELATED: 412

During her Supreme Court confirmation hearing on Wednesday, Judge Amy Coney Barrett declined to give her legal opinion as to whether a President could pardon himself for crimes he may have committed while in office.Barrett's deferral came during a line of questioning by Senate Judiciary Committee member Patrick Leahy, D-Vermont. Leahy first asked Barrett if she believed that "nobody is above the law," including the President. Barrett agreed.Leahy then asked if she believed a President would be able to pardon himself, given that President Donald Trump has said he believes he has the right to do so in the past."Because it would be opining on an open question when I haven't gone through the judicial process to decide it, it's not one in which I can offer a view," Barrett said.Throughout his questioning, Barrett has attempted to avoid sharing her personal or judicial views on hotly-debated political topics, citing past precedent of previous Supreme Court justice nominees.It is true that the question of a President pardoning himself has not been challenged in court. But in 1974, at the height of the Watergate scandal, the Justice Department faced the possibility that President Richard Nixon would do just that. On Aug. 5, assistant attorney general Mary Lawton issued a memorandum opinion that "no one may be a judge in his own case" and that "the President cannot pardon himself."Despite Lawton's opinion, some legal experts believe that a President may still be able to issue their own pardon. In June 2018, President Donald Trump claimed on Twitter that he had the right to do so while railing against Special Counsel Robert Mueller's investigation into his ties to Russia. 1698

Disneyland Park has shut down two cooling towers at its park in Southern California following an outbreak of Legionnaires' disease.Orange County health officials said nine people who visited the Anaheim theme park in September developed the disease.An additional three people who had been to Anaheim but not Disneyland got sick too, said Jessica Good, a spokeswoman for the Orange County Health Care Agency. One patient, who had not visited the park and had additional health issues, died, she said.The 12 patients are between ages 52 and 94, and 10 were hospitalized, she said.CNN has reached out to Disneyland for comment but has not heard back."To date, no additional Legionella cases have been identified with potential exposure in Anaheim after September," Good said. "There is no known ongoing risk associated with this outbreak."Legionnaires disease is a severe form of pneumonia caused by Legionella bacteria, sometimes found in water systems. It is typically contracted by breathing mist from the water that contains it. The source of the mist can be air conditioning units in large facilities, showers or hot tubs. Legionnaires' disease is not contagious between humans.County health officials identified Disneyland Park as a common location of eight of the cases last month, and have been working to identify potential sources, Good said.Disneyland Park informed health officials this month that elevated levels of Legionella had been identified in two of its 18 towers, which were then treated and disinfected.Disneyland took the towers out of service on November 1 and told the health agency it had performed additional disinfecting and testing. It brought the towers back into service November 5, but two days later, they were taken out of service again,she said.Health officials subsequently issued an order that the towers remain shut down until they are verified to be free from contamination. The results of the tests will not be known for about two weeks. 1982