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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

INTERACTIVE MAP: Where the Woolsey?Fire is burning in Ventura and LA countiesMALIBU (CNS) -The Woolsey Fire that has burned at least 83,000 acres in Los Angeles and Ventura counties has claimed the homes of several celebrities, along with the historic Paramount Ranch, where countless movies and television shows have been filmed since 1927.The ranch -- which served as a location for shows such as "MASH," "Dr. Quinn, Medicine Woman," and most recently, HBO's "Westworld" -- was destroyed save for a chapel, according to the National Park Service, which operates the site.The mansion used for ABC's "The Bachelor" escaped destruction, but the fire did burn the lower house. No one was at the location at the time with the current cast filming abroad, network officials said.RELATED: Woolsey Fire burns 70,000 acres, still zero percent containmentMany celebrities evacuated their homes, including "Lord of the Rings" star Orlando Bloom, reality TV star Kim Kardashian West, "The Shape of Water" director Guillermo del Toro, actors Alyssa Milano, Rainn Wilson and Mark Hamill, singers Melissa Etheridge and Lady Gaga, and MGM TV chairman Mark Burnett and his wife, producer-actress Roma Downey.According to US Weekly, singer Robin Thicke lost his Malibu home.The homes of "Dr. Strange" director Scott Derrickson and Fox Sports' Eric Wynalda were destroyed by the fire.RELATED: Caitlyn Jenner's Malibu home destroyed in Woolsey Fire, Kardashians evacuate"We lost our home, but we are all safe and that's the important thing," Derrickson tweeted Friday."Gonna be offline for awhile," Wynalda tweeted. "Gone. Brutal. Watched it burn on live TV."Caitlyn Jenner's hilltop home was also reported to be in danger. "We don't know how badly the house burned but it's not looking good," she tweeted Saturday afternoon.Milano was one of many celebrities who have tweeted, saying "Horses are finally safe. My children are safe. My home is in jeopardy but... everything with a heartbeat is safe. Thank you all for your concern."RELATED: Neighbors flee in panic as Woolsey Fire levels homes in CalabasasLady Gaga tweeted, "I am thinking so deeply for everyone who is suffering today from these abominable fires & grieving the loss of their homes or loved ones. I'm sitting here with many of you wondering if my home will burst into flames. All we can do is pray together & for each other. God Bless You."Though actor Will Smith's home wasn't in an evacuation zone yet, he tweeted: "I don't like it, so we're gonna go."Actor Martin Sheen and his wife Janet were said to be safe after their son, actor Charlie Sheen, tweeted on Friday that he couldn't locate them. A local news crew later found the elder Sheen on the beach where many local evacuees had gathered. 2777

It's a place known for some of the most incredible sightseeing in Arizona, but even with its beauty, it's no stranger to tragedy."It breaks my heart," said Andrea Lankford, a former park ranger at the Grand Canyon National Park. "I looked at her pictures. She looks like such a nice person. I'm sorry to her family."Arizona resident, 59-year-old Maria Andrea Salgado Lopez, died Friday, July 3, after falling off a rim west of Mather Point. It's an area Lankford says can see hundreds of tourists at a time."That's often your first view of the Grand Canyon when you come," she added. "There's also a lot of what we call 'social paths,' where people are going your own way and trying to get a unique view or unique photo."Grand Canyon Park officials say Salgado Lopez was taking photos before she fell. Her body was discovered about 100 feet below the rim."It's really sad to go out there and think you're just going for a vacation and sightseeing, and you come back without your mom or your wife," said Miriam Weiner. She and her daughter were visiting the Grand Canyon for the first time when the woman fell to her death."I saw people out in that area start to hug each other, trying to comfort each other and shield them from what they were seeing," she added. "So, that told me this is really bad."Weiner started recording video shortly after the fall, where you can hear many screaming for help."I just feel really bad for the family," she said. "I've been thinking about what they must be going through and it just brings tears to my eyes."The National Park Service says they see an average of 12 deaths a year at the Grand Canyon, but not all related to falls. Others happen due to heat-related or medical issues. However, Lankford says despite safety measures and previous incidents, falls are not uncommon.She says park rangers aren't always available to watch over visitors either."Their staffing is low and it's a busy park," she said. "Rescue Rangers could very well be busy on another incident while you're at Mather Point, so there's rarely rangers that are standing there to warn you. That's why you have to take personal responsibility for your own safety."The National Park Service and the Coconino County Medical Examiner's office are investigating.This story was originally published by Nicole Valdes at KNXV. 2335

In the wake of recent fatal pedestrian crashes, a law firm commissioned a study that reveals the most dangerous intersections for pedestrians in San Diego.In 2016, there were 103 pedestrian fatalities in San Diego County. Between 2010 and 2016, a total of 430 people were killed and nearly 8,000 injured in pedestrian crashes.According to the law firm Estey and Bomberger, the most dangerous intersection in San Diego lies in Hillcrest at the intersection of First Avenue and University Avenue.The below map shows the cities with the highest numbers of dangerous intersections in California. Los Angeles takes the top spot by far, followed by Sacramento. San Diego falls second to last on the list. Click on the map below to see more dangerous intersections in San Diego County.  797

INDIANAPOLIS -- Firefighters at an Indianapolis fire station opened the door early Friday morning to a one-of-a-kind request for help: A frantic woman, distressed because her pet raccoon was stoned off of too much weed.The raccoon, according to Wayne Township Fire Dept. PIO Capt. Michael Pruitt, had been exposed to "too much" of someone else’s marijuana, and its owners were worried it was overdosing. Not knowing what to do, they brought it to Station 82.“The raccoon was very lethargic,” Pruitt said. “She started explaining what had happened. There wasn’t really much we could do, it was just the sort of thing that was going to take time.”Recordings of Southwest District’s radio chatter show the raccoon had IMPD officers baffled as well -- at first, simply over what substance the raccoon was, in fact, high on.“Apparently they have a pet raccoon that got into their meth,” an unidentified officer is logged saying at 3:57 a.m.Listen to audio of police trying to decipher the situation below: 1008

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