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The number of insurers on the federal exchange will grow for the first time since 2015. There will be 23 more carriers for 2019 than there were during the open enrollment period in 2018. Plus, 29 insurers are expanding the service areas into more counties, the agency said.Four states will have only one insurer, down from 10 states in 2018.Many insurers withdrew or limited their participation on the exchanges in recent years amid uncertainty emanating from Washington DC and large losses.The premium rate drop was expected by those who watch the industry closely. After years of raising rates — sometimes by double digits — insurers have found a sweet spot. Many are breaking even or have started making a profit in the individual market, despite changes to the Obamacare system since President Donald Trump took office.Reinsurance programs that protect insurers from high-cost enrollees have also helped to keep premiums lower. In Maryland, rates are now expected to drop by 30%, after the state received a waiver for a reinsurance program.The federal government has approved reinsurance waivers for seven states, resulting in lower premiums, CMS Administrator Seema Verma said on a call with reporters.Some uncertainty still looms. Next year will be the first time that Americans will not have to pay the penalty for being uninsured. Congress eliminated the individual mandate penalty as part of last year's tax overhaul.Also, it will be easier for people to sign up for alternatives to Obamacare, including short-term health plans and association health plans, which are usually cheaper but offer skimpier benefits.Yet premiums are going down at least in part because insurers overshot in 2018 and raised them too high amid uncertainty over how the changes made by the Trump administration would affect the program."Premiums would be even lower if not for repeal of the individual mandate penalty and expansion of short-term plans," said Larry Levitt, senior vice president at the Kaiser Family Foundation, on twitter Thursday.Verma dismissed those concerns."Despite predictions that our actions would increase rates and destabilize the markets, the opposite has happened," Verma said.Verma added that the lower premiums were "by no means a celebration.""Even with this reduction, average rates are still too high. If we are going to truly offer affordable, high-quality healthcare, ultimately the law needs to change," she said.While Republican-led repeal efforts failed last year, Trump has in the run-up to the November midterms continued touting alternatives to Obamacare as well as slamming Democratic proposals to expand Medicare.In an interview with Fox News late Wednesday, Trump said that despite failed efforts to repeal and replace the Obamacare system last year, "we have things happening on health care that are going to be very, very exciting."Also on Wednesday, he published an op-ed bashing Democrats' "Medicare for all" plans. Many potential candidates for the party's 2020 nomination joined Senator Bernie Sanders last year in filing a bill to establish the program. 3100

The letter writer claimed that he and his wife were proud 'older' graduates of Penn state."The man wrote that he couldn't help noticing Sutherland's "awful hair" during the home opener against the University of Idaho.Sutherland had three tackles and blocked two punts in the Nittany Lions' 79-7 win, but the letter focused on insulting his appearance. Penn State is now 5-0 and ranked Number 10 in The Associated Press Top 25.The man said he missed "the clean cut men and women," who were athletes in his day and wished for a return of athlete dress codes.Sutherland said he forgave the letter writer on Tuesday in a Twitter post and thanked fans for their support."Although the message was indeed rude, ignorant and judging, I've taken no personal offense to it because personally, I must respect you as a person before I respect your opinion," he wrote. "At the end of the day, without an apology given I forgive this individual because I'm nowhere close to being perfect and I expect God to forgive me for all the wrong I've done in my life."Penn State said that it can not confirm if the letter is authentic, or if the author was really an alumni, but 1156

The melee was caught on cell phone video by Joey Ney. In the video, it appears a group of people was fighting in the indoor theme park of the resort. The brawl got so heated – people started hitting each other with chairs.Right now, there’s no word on what caused the fight to start or if there were any injuries.Lake Delton Police say they will release more information on Monday.  387

The photo showed Sheriff Scott Israel clasping Borges' hand -- a reminder of the brutal toll of the Wednesday massacre at the Marjory Stoneman Douglas High. 156

The IHSAA has been in communication with both school administrations regarding the unfortunate student fan incident in the Center Grove vs. Cathedral game. Our school administrators are addressing the matter and will use this as learning experience. #educationbasedathletics— IHSAA (@IHSAA1) December 1, 2018 308