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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

Introducing the new Impossible? Breakfast Sandwich. Made with an @ImpossibleFoods plant-based sausage patty, aged cheddar cheese and a cage-free fried egg on artisanal ciabatta bread. It’s an unbelievably delicious start to your day. ??US Only pic.twitter.com/t88iAL72Ai— Starbucks Coffee (@Starbucks) June 23, 2020 323

It's a day Vasti Morris has been anticipating for over two decades.“This is the citizenship packet from immigration, so I became a citizen today,” she exclaims.Morris has been working towards getting her citizenship since she came to America 21 years ago as a refugee from West Africa. “Liberia, we had civil war for a very, very long time, and just somewhere where you didn't have to worry about if there's going to be a war or am I going to eat today,” she says. “So, it was a dream and that dream came true.”But going from refugee to student to U.S. citizen was a difficult journey.Immigration attorney Chirag Patel of Baltimore says the requirements for immigrants are changing almost daily, making the process longer and harder.“There are a lot of restrictions coming into play this fiscal year,” says Patel.After completing the N-400, the application for naturalization, and submitting it to the United States Citizenship and Immigration Services, the government then takes a deep dive into your history through a long list of questions. Those questions include topics like criminal history, polygamy and deportation.“They really do scrutinize everything,” Patel says.After finally finishing the 20-page application, the screening process begins, and so does the waiting game. This application eventually ends up at a field office, where the applicant waits for an interview and a test.“It could take about a year before you get an interview,” Patel explains.In fact, a year is best case scenario, Patel says. And if you make a mistake on your application, you may have to start over.“We have to make sure we know everything to be able to get through this process properly,” he says.As for that test, Patel says, “You have to study for the civics exam and make sure you know all of the U.S. history and the political questions.”Even if an applicant makes it to the test portion, they could continue to wait up to four months to be approved.“A lot of people don't understand how difficult it is,” Morris says.Morris, who is a nurse studying for her PhD, can now add “American citizen" to her resume, which means she can vote.“I’m so excited,” she says gleefully. “November 6, I'm going to vote.”It’s a day Morris says she’ll never forget, as she reflects on the struggles it took to finally get her citizenship.“I didn't know I was going to be emotional,” she says. “It’s just knowing that this moment is finally here.”It was a drudging path to a dream--one she says was worth every second. 2518

INDIANAPOLIS -- An Indianapolis lawyer is accused of flashing a bus carrying a girls' basketball team on two separate occasions while driving. Norwell High School girls’ basketball coach Eric Thornton said he was driving the girls to a tournament in June when a man pulled up beside their bus on I-70 near the airport and exposed himself. “He knew it was a school bus,” said Thornton. “(He) knew it was high school aged females on the bus.”The man, who police have identified as Raymond Fairchild, then exited the highway before the team could get the license plate on his Honda CRV. “The girls were horrified and just very disturbed,” said Thornton. In an attempt to identify the alleged flasher, Thornton posted a photo taken moments before the incident on social media. That post made its way to Union City where a second girls’ basketball team reported a similar incident last February – from what appeared to be the same man. “Once we found out that he’d done it before it was obvious this was a pattern,” said Thornton. It didn’t take long before someone on Facebook recognized that man as Fairchild and contacted investigators. The 71-year-old is listed as having a law office in downtown Indianapolis. “He should never be allowed to practice law again in my opinion,” said Thornton. “He should be put away for a time.”Fairchild now faces six counts of public nudity and indecency charges. His first court appearance is set for October 26. “It’s a crime against innocent, na?ve girls who just saw abnormal behavior and had no idea what would happen next,” said Thornton. “He needs to be severely punished for his behavior.”  1669

INDIANAPOLIS — A man who had to be rescued from a retention pond on Indianapolis' northeast side Monday after he jumped in to rescue his dog has died. The incident happened in The Masters apartment complex at about 11:30 a.m., near Masters Road and E. 91st Street.The Indianapolis Fire Department says the man went after one of his dogs when the pup went into the icy water.The victim, a man in his 20s, was not able to get out of the water.Two residents of the complex saw the man trying to rescue his dog and tried to help. Both fell into the water but were able to get out and were treated at the scene for non-life threatening injuries. The victim was pulled from the water by a rescue team and rushed to St. Vincent Hospital where he later died. His identity has not been released. The victim's dog is expected to be OK.  859