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CINCINNATI, Ohio - What will health insurance costs look like in the aftermath of the COVID-19 pandemic?It’s too early to say for sure, said Miami University professor and economist Melissa Thomasson, except that rates almost definitely won’t go down.“There is so much uncertainty right now that insurance companies are probably really reluctant to cut premiums” for the upcoming year, she said Wednesday.They could be more expensive next year to cover lost profit during the pandemic, she said; they could also remain the same. Although millions of Americans lost their jobs in 2020, not all of them had employer-sponsored insurance or represented a hit for their insurance company.“Jobs in retail, service industries, hospitality and leisure, those people typically don't have health insurance coverage,” Thomasson said. “So I think the losses in health coverage were less than we initially feared."Tommie Lewis, a Cincinnati business owner, said his family avoided the doctor’s office for much of the year due to COVID-19 transmission concerns. People across the country have done exactly the same thing; on June 9, the CEOs of the Cleveland Clinic and Mayo Clinic published an opinion piece pleading with readers to stop delaying their medical care over virus fears.The insurance industry could benefit in 2021 from people like Lewis, who had put off their visits, finally returning, Thomasson said. Likewise, it could experience a rebound through new telehealth options — which the Kaiser Family Foundation predicts will be more prevalent — and previously unemployed people going back to work.But Lewis, who is self-insured through his business, said he worries that premiums will rise for families across the country.“I really believe there will be an increase in premiums, and families of four, five, six, are going to have to make real serious decisions on food, shelter, transportation, or health care,” he said.This story was first published by Courtney Francisco at WCPO in Cincinnati, Ohio. 2010

CUPERTINO, Calif. – Apple announced its next generation of iPhones on Tuesday.The company introduced its iPhone 12 Pro and iPhone 12 Pro Max, both of which will deliver an “advanced 5G experience” and several other impressive updates.Release dates and pricingPre-order for the iPhone 12 Pro will begin Friday, Oct. 16, with availability beginning Friday Oct. 23. As for the iPhone 12 Pro Max, it will be available for pre-order starting Friday, Nov. 6, and will be in stores starting Friday, Nov. 13.iPhone 12 Pro and iPhone 12 Pro Max will be available in 128GB, 256GB, and 512GB models, starting at 9 and ,099, respectively. Customers can also get iPhone 12 Pro for .12 a month or 9 with trade-in and iPhone 12 Pro Max for .37 a month or 9 with trade-in.Design and displayBoth new models will be available in four stainless steel finishes, including graphite, silver, gold and pacific blue. The devices feature a surgical-grade stainless steel band, a precision-milled matte glass back, and a new incredibly durable “Ceramic Shield.”Apple says the “Ceramic Shield” front cover is tougher than any smartphone glass, goes beyond glass and is infused with nano-ceramic crystals to dramatically improve toughness and increase drop performance.The iPhone 12 Pro has a 6.1-inch displays and the Pro Max boasts a 6.7-inch screen, which Apple says is the largest display ever on an iPhone. It’s also the highest resolution featuring nearly 3.5 million pixels.5GApple says 5G on the new iPhone boasts will bring improved speeds for faster downloads and uploads, higher quality video streaming, more responsive gaming, real-time interactivity in apps, and FaceTime in high definition.Consumers will also be able to enjoy a secure, fast connection, reducing the need to connect to public Wi-Fi hotspots.Apple says the iPhone 12 Pro models will offer the broadest 5G coverage worldwide, with the most 5G bands on any smartphone. They’ll be able to reach speeds up to 4Gbps, even in densely populated areas.Fastest chip in a smartphoneThe new iPhone also runs on the A14 Bionic, the fasted chip in a smartphone and the first in the industry built on 5-nanometer process, according to Apple.“Faster and more efficient than ever, A14 Bionic has the fastest CPU and GPU by up to 50% compared to the fastest competing smartphone chips, enabling console-quality gaming experiences, powerful computational photography, and more, while delivering great battery life,” wrote Apple.Improved camera systemApple says the A14 Bionic drives increased image quality and enables powerful computational photography capabilities not possible with traditional cameras.The new models also feature the new Apple ProRAW, coming later this year, which combines the company’s multi-frame image processing and computational photography with the versatility of a RAW format.“Users can experience full creative control over color, detail, and dynamic range natively on iPhone or with other professional photo editing apps,” Apple wrote.Apple has also improved its night mode on these phones, allowing for an even brighter picture. And night mode time-lapse delivers longer exposure times for sharper videos, better light trails, and smoother exposure in low-light scenarios when used with a tripod.The new phones offer the highest quality video in a smartphone and are the only devices in the world to enable an end-to-end experience for HDR video with Dolby Vision, up to 60 fps, Apple says.New accessories with MagSafeApple is also introducing new accessories for wireless charging, which feature MagSafe technology.“MagSafe chargers efficiently provide up to 15W of power while still accommodating existing Qi-enabled devices,” wrote Apple. “Charging solutions include the MagSafe Charger and MagSafe Duo Charger for use with iPhone and Apple Watch, as well as new silicone, leather, and clear cases that easily snap onto the back of iPhone, and a leather wallet.”Consumers can also expect innovative MagSafe accessories from third-party manufacturers.Apple video explaining new featuresClick here to learn more about the new phones. 4125

CLAY COUNTY, Tennessee — Three people were shot Monday morning at a residence in Clay County, Tennessee, where a school bus driver pulled up to the scene and provided aid.The incident was reported at a home on Crabtree Creek Road and North Fork Road in Whitleyville. A school bus driver called 9-1-1 after he or she pulled up to a stop and realized there had been an incident in the home. Initial reports indicated that the shooting happened on a school bus. However, Clay County School officials confirmed the incident did not happen on the bus. The bus driver gave aid to at least one person in the home.  At least two of the victims were airlifted to Nashville for treatment. A third person was transported by ambulance. 756

Crews from the Maricopa County Sheriff's Office are working to rescue a man who has been trapped in a mine shaft in western Arizona since Monday. According to MCSO, the man fell into the shaft, which is 100 feet deep. He was found Wednesday by a Good Samaritan, in the area of Eagle Eye Road and milepost 13, which is about 35 minutes south of Aguila.  370

CORONADO, Calif., (KGTV) — Despite recent shark sighting, thousands of people headed to the beach for the pre-holiday weekend. But instead of sharks, dozens of people left the beach after being stung by stingrays.Beautiful Coronado is home to majestic creatures, including great white sharks. "We do think that the great white shark populations are increasing," Heidi Dewar, research biologist at the Southwest Fisheries Science Center said. She believes the population increase is linked to the implementation of fishing regulations in the 1990s. "In 1994, California pushed all the net-based fisheries outside of state water, which is three nautical miles out. And what that did was that basically protected most of the nursery habitat of the juvenile sharks on the coast," Dewar said. "About the same time, the UN banned these high seas directed at fisheries, which were killing some adult white sharks."Last week, two juvenile white sharks were spotted about a half a mile offshore from the Coronado coast. There were no shark attacks like the one last year in Encinitas, where a 13-year-old boy was bitten in the shoulder while lobster spearfishing. Still, the city officials in Coronado notified beachgoers to be on the lookout. That did not stop 11-year-old Tobias Appel from diving in." We just came here to boogie board and have a bunch of fun," Tobias said. He and his family from Phoenix are vacationing in Coronado. They were having a great time until Tobias was stung by a stingray."Today is not my lucky day," Tobias said. This was his first time getting stung by a ray. We met him as he was sticking his foot into a hot water bath at the lifeguard station. "It is under. Right there," he said. In the hour Tobias was at the lifeguard station neutralizing the venom, we saw several others being carried in for emergency treatment. Lifeguards said warm water, low tide, and a packed beach is the perfect formula for a stingray warning. "One of the most amazing things about the ocean is that right there we have wilderness," Dewar said. "And with the wilderness, we have wild animals. So that's definitely a side of the ocean that people need to keep in mind when they go swimming or surfing."Biologists say remember, this summer when you are going to the beach, you are stepping into the animals' homes. So do not forget to be respectful and careful, while you are having fun. Meanwhile, Tobias has one more day in Coronado before he leaves for Phoenix. He hopes to enjoy what he can. "It's going to be a long drive home. Hopefully, they'll have hot water there," Tobias said. 2599