Obamacare Open Enrollment Starts Nov 1. Here’s What’s Changing This Year : Shots

Open enrollment is about to start for those buying private insurance off state or federal exchanges.

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Open enrollment is about to start for those buying private insurance off state or federal exchanges.

PhotoAlto/Frederic Cirou/Getty Images/PhotoAlto

Facing a pandemic, record unemployment and unknown future costs for COVID-19 treatments, health insurers selling Affordable Care Act plans to individuals reacted by lowering rates in some areas and, overall, issuing only modest premium increases for 2021.

“What’s been fascinating is that carriers in general are not projecting much impact from the pandemic for their 2021 premium rates,” said Sabrina Corlette, a research professor at the Center on Health Insurance Reforms at Georgetown University in Washington, D.C.

Although final rates have yet to be analyzed in all states, those who study the market say the premium increases they have seen to date will be in

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The Top Retailers With The Most Revenue Last Year


Take A Break From The Grocery Store Routine & Try A Meal-Delivery Service Instead

These days, you can get just about anything delivered — from wine to groceries and even pre-packaged meals. We’re talking super fresh ingredients that are prepackaged and portioned for customized recipes and shipped directly to our doorsteps. Not only is this ordering-in alternative more convenient and oftentimes more cost-effective than take-out, but it’s also a safer method of shopping for groceries during social-distancing and WFH periods. Before signing up, there are a few questions to answer: How much do these services actually cost? And which one of the dozens out there is right for us? For the full 411, we studied up on and cataloged (from A to Z) the most popular meal-delivery subscriptions available. Scroll ahead to find the best one to help you kickstart a new cooking regime.At Refinery29, we’re here to help

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How One Person Turned a Side Hustle Into $100,000 Per Year

Eric Rosenberg had always dreamed of quitting his full-time corporate job in order to work for himself as a writer. It took a few years to turn this dream into a reality, but now Rosenberg makes six figures as a freelancer.

“It wasn’t easy and didn’t happen overnight, but I firmly believe it is something anyone can replicate if they follow some tried-and-true principles in money and business management to build a solid foundation before taking the jump to freelance self-employment,” he said.

If you’re looking to make the move, here’s how Rosenberg turned his side hustle into his main source of income.

Last updated: Oct. 14, 2020

He Didn’t Set Out To Be a Full-Time Freelancer

When Rosenberg first started his blog, Personal Profitability, he did not imagine it would enable him to quit his job.

“My online business didn’t start out making thousands of dollars each month,” he

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Home workers won’t need to tell insurers of changes until the end of the year, industry confirms

Insurers have extended Covid-19 support for millions of home and motor policyholders to the end of the year.

The Association of British Insurers (ABI) announced today that the measures, previously due to expire at the end of the month, will now be in place until at least December 31.

They mean that people working from home or using their car differently because of the pandemic do not need to inform their insurers as they normally would.

The ABI said that the cover of people who have signed up to volunteer for the NHS and are using their vehicle to deliver medicine or groceries to the vulnerable will not be affected.

The measures also require companies to provide additional support where necessary to customers who make a claim.

Laura Hughes, a manager at the ABI, said: “The extension of these temporary pledges underlines the commitment of insurers to helping customers through

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High-Dose Flu Vaccine: What You Need To Know This Year

Between 2018 and 2019, the flu vaccine prevented an estimated 4.4 million flu illnesses and 3,500 flu-associated deaths. In a year when COVID-19 has taken 215,000 lives in the United States alone, it’s never been more important to make your annual flu shot a priority. In 2020, health-care providers will  ask a large number of people to get the “high-dose flu vaccine.” And doctors say that, given the opportunity, people in the most vulnerable populations should absolutely say yes.

“The high-dose flu shots are relatively new,” says Luis Ostrosky, MD, an infectious disease physician at McGovern Medical School at UT Health and UT Physicians. “They have four times more antigen than the regular flu shot. They usually have the same strains that the regular flu shots have; they just have more antigen to elicit more immune response.”

When Dr. Ostrosky says that the shot has four times more antigen

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The university student side-hustle has come of age in the year of Covid lockdowns

student jobs - Rii Schroer
student jobs – Rii Schroer

Student unions are deserted, events are off the agenda, learning has moved online and universities across the country are doing all they can to keep students inside their accommodation. There is a lot for students to worry about this term. But where does the pandemic leave those who rely on paid work to cover their costs? Are there any student jobs still available – and how do you find one when you’re barely able to leave your “bubble”?

“Since April, we’ve been worrying about how students will be able to support themselves,” says Charlie Ball, the head of higher education intelligence at Graduate Prospects. “For so many of them, the maintenance loan just about covers rent – or not even that. They rely on paid work too – and much of that comes from the hospitality industry. Those opportunities just aren’t there.”

Emma Moore, the

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More than 110,000 patients forced to wait over a year for routine NHS treatments

More than 111,000 people have now been waiting for routine NHS treatment for over a year, new figures show, revealing that hospital capacity is down 43 per cent.

Rising sharply between July and August, the tally of those waiting more than a year for procedures such as cataracts and hip and knee surgery has now exceeded 100,000 for the first time since records began.

The new data prompted calls for NHS officials ‘to be honest with patients and the public’ about the true state of services more than six months after lockdown. One leading think tank said the recovery of the health service since it was drastically re-geared to cope with Covid had ‘hit a wall’.

Routine treatments in August, the latest month for which there are figures, were down 43 per cent compared to the same month in 2019, meaning only 155,789 patients were admitted.

Meanwhile the latest A&E

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1.3 Million Women Enter Menopause Each Year. We Have to Stop Ignoring Them

For Meg Mathews, menopause looked like The Golden Girls—gray hair, elderly gentleman callers, chic but shapeless caftans. “Not me at 49,” Mathews says.

After coming back from a holiday, Mathews started experiencing some anxiety, brain fogginess, and aching joints. She didn’t feel like herself. “But how do you explain that to the doctor?” she says. “So of course I went in going, ‘I just can’t cope with life.’ And of course they just gave me antidepressants and off I went. I had no idea that [those symptoms] were anything to do with menopause.” Many women don’t, thanks to the stigma attached to aging that’s either made menopause a punch line or kept it out of the conversation entirely.

Every woman (and some trans men) will go through menopause—that’s an estimated 1.3 million women in the U.S. alone who enter menopause every year. It is officially diagnosed after you’ve gone

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Dr. Fauci Says These States “Better Hold Off” on Thanksgiving This Year

After a difficult year where very little felt normal, many Americans are looking forward to being able to spend time with loved ones they haven’t seen as much of lately. And with the major holidays not far away, some are already beginning to plan what a Thanksgiving gathering might look like amid a global pandemic. But according to Anthony Fauci, MD, things don’t appear to be headed in the right direction at the moment, saying that some states “better hold off” on celebrating Thanksgiving this year—especially where there are current COVID spikes.

During an interview with CNN’s Chris Cuomo on Oct. 5, Fauci expressed concerns that the change in weather was about to usher in a sustained increase in new national COVID cases. Similar to his warnings that Labor Day and July 4th celebrations could trigger outbreaks, the director of the National Institute of Allergy and Infectious Diseases (NIAID)

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Nick Cordero’s widow Amanda Kloots says her year has ‘been hard’

Amanda Kloots has lived most of 2020, the year she heartbreakingly lost husband Nick Cordero to COVID-19, in front of the world. We watched as the fitness trainer posted regular, often upsetting, updates on the Broadway actor’s condition one moment and then always coming back with optimism and hope, playing Cordero’s song “Live Your Life” and smiling, leading workouts for followers. She very quickly became a high-profile person.

On Tuesday, she was asked in an online sit-down with Women’s Health Editor-in-Chief Liz Plosser about the one thing that she wants people to understand about her.

“I think we all see things on social media or see things from a distance, and it’s very easy to sit at home and think you know things or judge someone,” Kloots said. “And I think that the very important lesson [is] not to do that, to not judge somebody from where you are in

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