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Americans will soon have one more alternative to Obamacare, thanks to the Trump administration.Officials Tuesday proposed regulations that will make it easier to obtain coverage through short-term health insurance plans by allowing insurers to sell policies that last just under a year. The new rules stem from an executive order President Donald Trump signed in October aimed at boosting competition, giving consumers more choices and lowering premiums."Americans need more choices in health insurance so they can find coverage that meets their needs," said Health and Human Services Secretary Alex Azar. "The status quo is failing too many Americans who face skyrocketing costs and fewer and fewer choices. The Trump Administration is taking action so individuals and families have access to quality, affordable healthcare that works for them."The proposal would reverse an Obama administration decision to limit the duration of short-term health plans to no more than 90 days in order to make them less attractive.Such plans could roil the Obamacare market, drawing healthier consumers away from the exchanges and pushing up the premiums for those who remain.Short-term health plans, which have been available for years and were originally designed to fill a temporary gap in coverage, are likely to be cheaper than Obamacare policies. But that's because they don't have to adhere to Obamacare's consumer protections, allowing them to do such things as exclude those with pre-existing conditions and base rates on applicants' medical history.Also, they don't have to offer comprehensive coverage. Typically, short-term policies don't provide free preventative care or maternity, prescription drugs and mental health benefits. They can also impose annual or lifetime limits, meaning they may only pay out a set amount -- often million or less -- leaving the policyholder on the hook for the rest. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at ,350 for 2018.Young and healthy folks may like these plans because they come with lower monthly premiums. But those who actually need care could find themselves having to pay more out of pocket for treatment and medications. In fact, some consumers with these plans have complained that they've been hit with unexpected expenses.Also, insurers aren't required to renew the policies so those who become sick could find themselves unable to sign up again for the same plan."People who buy short-term policies today in order to reduce their monthly premiums take a risk that, if they do need medical care, they could be left with uncovered bills and/or find themselves uninsurable under such plans in the future," wrote Karen Pollitz, senior fellow at the Kaiser Family Foundation, in a recent policy brief.Have you ever had a short-term insurance policy? What was your experience? Tell us about it here.Consumers today can find short-term plans that cost as little as 20% of the least expensive Obamacare plan, according to Pollitz.In its announcement about the proposed rules, the Trump administration said short-term policies are designed to fill a temporary gap in coverage. It will require insurers to notify consumers that the plans are not required to comply with all of Obamacare's mandates.The administration will accept comments on the proposed rule for the next 60 days.Those with short-term policies are not considered insured under the Affordable Care Act and are subject to the penalty for not having coverage. But this will not be an issue after this year since Congress effectively eliminated the individual mandate -- which requires nearly all Americans to be insured or pay a penalty -- starting in 2019 as part of its tax overhaul bill.The proposed regulations are the latest step in the Trump administration's quest to weaken Obamacare. Last month, officials unveiled a proposed rule that would make it easier for small businesses -- and some self-employed folks -- to band together and buy health insurance. That proposal also stemmed from Trump's executive order and is designed to broaden access to what are known as association health plans. 4169
An armed robber at a south side Chicago hot dog stand accidentally shot himself in the genitals during his escape, according to the Chicago Tribune.According to the Tribune, 19-year-old Terrion Pouncy robbed the Original Maxwell Street Polish around 6 a.m. Tuesday.As he ran away, Pouncy tried to put the gun in his pants. It went off, according to the Tribune, shooting him in the genitals and the thigh. He eventually called 911 to report he had been shot.He was taken to the hospital and charged with two counts of armed robbery with a firearm. 570

An Ohio state Senator used the term "colored people" and asked if the coronavirus pandemic is disproportionately affecting black people because they "do not wash their hands as well as other groups" during a public hearing earlier this week.State Sen. Steve Huffman, R-Tipp City, who represents portions of Dayton, made the comments on Tuesday during a hearing about declaring racism as a "public health crisis.""My point is I understand African Americans have a higher incidence of chronic conditions, and it makes them more susceptible to death from COVID," Huffman said, according to The Dayton Daily News. "But why it doesn't make them more susceptible to just get COVID? Could it just be that African Americans or the colored population do not wash their hands as well as other groups or wear a mask or do not socially distance themselves? That could be the explanation of the higher incidence?"Huffman later issued a statement about his comments, calling them regrettable."Regrettably, I asked a question in an unintentionally awkward way that was perceived as hurtful and was exactly the opposite of what I meant," Huffman said. "I was trying to focus on why COVID-19 affects people of color at a higher rate since we really do not know all the reasons."In response to Huffman's comments, the Ohio Legislative Black Caucus issued a statement calling on all 132 members of the Ohio General Assembly and their staffs to take racial equity and implicit bias training."It is just unbelievable he would ask that kind of question or use that kind of terminology," said Ohio NAACP President Tom Roberts, who used to represent Huffman's district.According to the bio on his state senator page, Huffman has a medical degree and is a practicing physician.The CDC says there are several reasons why African Americans are disproportionately contracting the virus. Black people are more likely to live in cities and multi-generational households, which increases the risk of spread. Black people are also more likely to be employed as essential workers and less likely to be offered paid sick leave. The term "colored" is widely known to be an outdated term for black people in 2020 and is often associated with Jim Crow laws of the early 20th century. 2254
Anthony Mele was dining at a steakhouse in Southern California with his daughter on his lap when a homeless man allegedly walked up to him Wednesday and stabbed him in the neck.Jamal Jackson, 49, was arrested shortly after the attack in Ventura and has been charged with premeditated first -degree murder, the Ventura County District Attorney's Office said.Mele died the next day, but his daughter was not injured. The two men did not know each other, the Ventura Police Department said. 495
Around ten people are still missing after the blaze broke out on Sunday afternoon, when the mall was packed with shoppers and cinema goers. Ten others are in hospital, Vladimir Puchkov, the head of the Ministry of Emergency Situations told journalists Monday.Preliminary investigations point to the fire having broken out in the cinema hall area of the four-story Winter Cherry shopping mall in the center of Kemerovo.Early images from the scene showed thick black smoke pouring from the shopping center, a former sweet factory, as firefighters continued to battle the flames after dark.The shopping mall, which has an overall area of 23,000 square meters, opened in 2013. It has a parking lot for 250 cars, shops, a bowling, a children's center, a cinema, and a petting zoo, according to TASS.Earlier Petrenko said four people had been detained and questioned in relation to the fire according to Tass. Among those detained include "the tenant of the premises where the epicenter of the fire allegedly was," Petrenko said.Sputnik, the semi-official newspaper reported the head of the city's fire department Sergei Yakovlev as saying the blaze had spread via flammable thermal insulation, making it difficult to put out.It is not yet known how the inferno began.People were gathering at the scene Monday morning to lay flowers and toys, Sputnik reported.Russian officials say 20 psychologists are working with relatives of missing people. 1452
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