As COVID-era subsidies for health insurance are set to expire, millions of Americans are bracing for significant premium increases. The expiration of enhanced premium tax credits could lead to average premium hikes of over 114%, impacting low- and middle-income enrollees the hardest.

## Millions Face Health Insurance Premium Hikes as Subsidies Expire

The expiration of enhanced premium tax credits (PTCs) at the end of this year is poised to significantly impact millions of Americans who rely on the Affordable Care Act (ACA) for health insurance.

With over 24 million people enrolled in ACA plans, many are facing the prospect of double-digit premium increases alongside reduced federal subsidies, which have made health coverage more affordable since their introduction during the COVID-19 pandemic.

Health insurers are proposing a median rate increase of 18% for 2026, a sharp rise from the 7% increase seen in the previous year.

This increase is attributed to rising medical costs, a sicker risk pool due to the expiration of enhanced subsidies, and other factors.

If Congress does not act to extend these subsidies, many enrollees will experience a "double whammy" of losing their tax credits while also facing higher premiums.

The enhanced PTCs, which were first introduced in 2021 and extended through the Inflation Reduction Act in 2022, have allowed many low- and middle-income individuals to afford health insurance by significantly lowering their premium contributions.

For instance, an individual earning $28,000 would see their annual premium payment rise from approximately $325 to $1,562 if the enhanced credits expire.

This represents a staggering increase of over 75% in premium costs for many enrollees.

The potential consequences of these changes are dire.

Analysts estimate that if the enhanced subsidies are not renewed, the average premium for subsidized enrollees could more than double, increasing from $888 in 2025 to $1,904 in 2026.

This could lead to a significant drop in enrollment, with estimates suggesting that ACA enrollment could fall by as much as 57% due to the combination of expiring tax credits and new paperwork requirements.

The political landscape surrounding this issue is complex.

With Congress currently deadlocked over government funding, the fate of the enhanced subsidies remains uncertain.

Democrats are advocating for the extension of these subsidies as part of any funding deal, while Republicans have indicated they will only negotiate on the issue once the government is funded.

This impasse leaves millions of Americans in limbo as the open enrollment period for ACA plans approaches on November 1.

The expiration of enhanced PTCs will disproportionately affect those with incomes above 400% of the federal poverty level, who will lose their eligibility for subsidies altogether.

For example, a couple earning $85,000 could see their annual premium payments rise by over $22,600, making health insurance unaffordable for many.

Conversely, lower-income individuals may also face increased costs, albeit to a lesser extent, as they will still qualify for some level of financial assistance.

The implications of these changes extend beyond individual finances.

Health policy experts warn that a reduction in coverage could lead to increased emergency care needs, straining hospitals and potentially resulting in closures or higher costs for those who remain insured.

As more individuals drop out of the insurance market, the risk pool will become sicker, leading to further premium increases for those who remain enrolled.

In summary, the expiration of enhanced premium tax credits at the end of this year poses a significant threat to the affordability of health insurance for millions of Americans.

With rising premiums and reduced subsidies, many individuals may find themselves unable to afford necessary medical care, leading to broader public health implications.

As Congress continues to debate the future of these subsidies, the urgency for action grows, with millions of lives hanging in the balance.

Millions Face Health Insurance Premium Hikes as Subsidies Expire

millions-face-health-insurance-premium-hikes-as-subsidies-expire

A segment from '60 Minutes' about the Trump administration's immigration policy was mistakenly aired on a TV app after being pulled from broadcast. The segment included interviews with deported migrants detailing abuse and raised questions about journalistic independence.

## '60 Minutes' Segment on Trump Immigration Policy Mistakenly Aired

A segment about the Trump administration's immigration policy that was abruptly pulled from "60 Minutes" was mistakenly aired on a TV app, igniting a public debate about journalistic independence.

The segment featured interviews with migrants who were sent to a notorious El Salvador prison known as the Terrorism Confinement Center, or CECOT, under President Donald Trump's aggressive crackdown on immigration.

The story was initially pulled from Global Television Network, one of Canada's largest networks, but it still ran on the network's app.

Global Television Network quickly corrected the error, but copies of the segment continued to circulate online before being taken down.

A CBS spokesperson stated that "Paramount's content protection team is in the process of routine take down orders for the unaired and unauthorized segment.".

In the segment, two deported men reported experiences of torture, beatings, and abuse.

One Venezuelan migrant described being subjected to sexual abuse and solitary confinement, while another, a college student, recounted being beaten by guards who knocked out his tooth upon arrival.

"When you get there, you already know you're in hell.

You don't need anyone to tell you," he said.

The segment also included numerous experts who questioned the legal basis for the hasty deportation of migrants amid pending judicial decisions.

Reporters corroborated findings from Human Rights Watch, indicating that only eight of the deported men had been sentenced for violent or potentially violent crimes, according to available ICE data.

The decision to pull the story, which was critical of the Trump administration, led to widespread accusations that CBS leadership was attempting to shield the president from unfavorable coverage.

Journalist Sharyn Alfonsi, who reported the story, asserted in an email to fellow "60 Minutes" correspondents that the segment was factually correct and had received clearance from CBS lawyers and its standards division.

CBS News chief Bari Weiss commented that the story did not "advance the ball" and noted that the Trump administration had refused to provide a comment for the piece.

Weiss expressed a desire for a greater effort to obtain the administration's perspective and indicated she looked forward to airing Alfonsi's report "when it's ready.".

This incident has placed one of journalism's most respected brands back in the spotlight, raising questions about whether Weiss' appointment signals a shift towards a more Trump-friendly direction at CBS News.

The controversy surrounding the segment underscores ongoing tensions in media coverage of the Trump administration and the challenges faced by journalists in maintaining editorial independence.

The airing of the segment, albeit mistakenly, has reignited discussions about the role of media in reporting on sensitive political issues and the implications of editorial decisions in the current political climate.

'60 Minutes' Segment on Trump Immigration Policy Mistakenly Aired

60-minutes-segment-on-trump-immigration-policy-mistakenly-aired

Flying in economy class can be uncomfortable, but there are ways to improve your experience. From choosing the right seat to packing smartly, these tips can help make your journey a little less miserable.

## Tips to Make Economy-Class Flights More Bearable

Traveling in economy class often feels like a test of endurance, with cramped seating and limited amenities.

However, there are several strategies you can employ to make your experience more tolerable.

Selecting the right seat can significantly impact your comfort level.

Websites like SeatGuru provide detailed information on seat dimensions and configurations across different airlines, helping you find the best option available for your flight.

For instance, opting for a bulkhead seat can offer extra legroom, while avoiding seats near the galley or lavatories can minimize disturbances during your flight.

The debate over whether to recline your seat is ongoing.

While some passengers feel entitled to recline, others find it inconsiderate, especially in tight quarters.

If you do choose to recline, consider the space of the person behind you.

Flight attendants often recommend keeping your seat upright during meal service to accommodate others.

Bringing the right items can enhance your comfort.

A travel pillow, noise-canceling headphones, and a light blanket can make a significant difference in your ability to relax during the flight.

Additionally, packing snacks can help you avoid overpriced in-flight meals and keep your energy levels up.

Air travel can lead to dehydration, so it's essential to drink plenty of water before and during your flight.

Moreover, taking short walks up and down the aisle can help improve circulation and reduce the risk of deep vein thrombosis, a condition that can arise from prolonged sitting.

Many airlines now offer in-flight entertainment systems, but if yours doesn't, consider downloading movies or shows onto your device before your flight.

Additionally, using apps to track your flight status can help you stay informed about any delays or gate changes, reducing stress during your journey.

Understanding that flying in economy class comes with limitations can help you adjust your mindset.

Airlines have increasingly focused on maximizing profits, often at the expense of passenger comfort.

Accepting this reality can make it easier to cope with the inconveniences of air travel.

While flying in economy class may never be a luxurious experience, implementing these tips can help make your journey more bearable.

By choosing your seat wisely, being considerate of fellow passengers, and preparing adequately, you can navigate the challenges of economy travel with greater ease.

With a little planning and mindfulness, your next flight can be a more pleasant experience, even at 30,000 feet.

Tips to Make Economy-Class Flights More Bearable

tips-to-make-economy-class-flights-more-bearable

Unused funds in 529 college savings plans can be repurposed in several ways, including rolling over to a Roth IRA or paying off student loans. The Secure 2.0 Act introduces new options for managing these funds, allowing for greater flexibility and tax efficiency.

## Utilizing Unused 529 College Savings Funds Effectively

529 college savings plans are designed to help families save for education expenses, but many account holders find themselves with leftover funds after covering costs.

This can occur for various reasons, such as scholarships, lower-than-expected tuition, or a change in educational plans.

Fortunately, there are several strategies to utilize these unused funds effectively while minimizing taxes and penalties.

### Understanding the New Rollover Option

Starting in 2024, the Secure 2.0 Act allows families to roll over unused 529 funds into a Roth IRA for the same beneficiary.

This option provides a way to convert education savings into retirement savings, but it comes with specific rules.

The 529 plan must have been open for at least 15 years, and contributions made within the last five years cannot be included in the rollover.

Additionally, the total amount that can be rolled over is capped at $35,000 over the beneficiary's lifetime, and the rollover must be executed as a direct transfer to avoid taxes.

**Change the Beneficiary**: One of the most straightforward options is to transfer the 529 plan funds to another qualifying family member.

This can be done without incurring taxes, making it a practical choice if you have other children or relatives who may need educational funding.

**Use for Student Loan Payments**: The SECURE 2.0 Act also permits tax-free distributions from 529 plans to pay off student loans.

You can use up to $10,000 per beneficiary to pay down federal and private student loans, which can be a significant relief for families managing educational debt.

**Save for Future Educational Needs**: If the original beneficiary decides not to pursue a traditional four-year degree, the funds can still be kept in the 529 account for future educational needs.

This includes graduate programs, vocational training, or even continuing education courses.

**Withdraw for Non-Educational Expenses**: While not the most tax-efficient option, you can withdraw funds for non-educational expenses.

However, this will incur taxes on the earnings portion and a 10% penalty on those earnings.

**Utilize for ABLE Accounts**: Families with a child who has disabilities can roll over 529 funds into an ABLE account, which allows for tax-free savings for qualified expenses related to the individual's disability.

This option provides additional flexibility for families facing unexpected challenges.

The introduction of the rollover option to Roth IRAs under the Secure 2.0 Act offers a new avenue for families with unused 529 funds, allowing them to bolster retirement savings while adhering to tax regulations.

Additionally, the ability to change beneficiaries, pay off student loans, or save for future educational needs ensures that families can make the most of their 529 plans.

As always, consulting with a financial advisor can help navigate these options effectively and ensure compliance with IRS regulations.

By understanding these strategies, families can maximize the benefits of their 529 college savings plans and avoid unnecessary penalties, ensuring that their educational savings work for them in the long run.

Utilizing Unused 529 College Savings Funds Effectively

utilizing-unused-529-college-savings-funds-effectively

The debate over indoctrination in classrooms has intensified, with concerns about the influence of political ideologies on education. Critics argue that schools should focus on objective teaching rather than promoting specific beliefs, ensuring that students develop critical thinking skills without bias.

## Local Opinion: Indoctrination Must Stay Out of the Classroom

The issue of indoctrination in education has become a contentious topic in recent years, with many parents and educators expressing concern over the influence of political ideologies in classrooms.

The fundamental role of education should be to foster critical thinking and a love for learning, rather than to impose specific beliefs on students.

Recent actions by political leaders have highlighted the growing concern over what is perceived as radical indoctrination in K-12 education.

For instance, a presidential order emphasized the need to eliminate practices that imprint anti-American ideologies on students, arguing that such approaches undermine critical thinking and sow division among young people.

The essence of education lies in its ability to present diverse perspectives and encourage students to think independently.

However, when classrooms become echo chambers for specific ideologies, they risk stifling open dialogue and critical examination.

This concern is echoed in the legal requirements for political impartiality in schools, which mandate that educators present a balanced view of political issues and prohibit the promotion of partisan political views.

The introduction of ideologies that categorize students as either victims or oppressors based on immutable characteristics can lead to a divisive educational environment.

Such practices not only violate principles of equality but also infringe upon parental rights, as they often occur without parental consent or oversight.

Moreover, the push to include ideologies like "White Privilege" or "unconscious bias" in curricula has been criticized for promoting discrimination rather than fostering understanding.

Critics argue that these concepts can create a sense of guilt or division among students, which is counterproductive to the goal of unity and mutual respect.

In contrast, a focus on teaching the scientific method and critical inquiry can empower students to explore complex issues without being confined to a single narrative.

For example, science education should prioritize objective knowledge and the scientific method, rather than introducing unscientific dogma under the guise of fairness.

The challenge lies in maintaining a balance between teaching about important social issues and ensuring that students are not subjected to indoctrination.

Educators must navigate the fine line between fostering an inclusive environment and promoting specific political agendas.

This requires a commitment to impartiality and a dedication to presenting multiple viewpoints, allowing students to form their own opinions based on evidence and reasoned argument.

As discussions around indoctrination continue, it is crucial for educators to remember their role as facilitators of knowledge rather than advocates for particular ideologies.

The goal of education should be to equip students with the tools they need to think critically and engage thoughtfully with the world around them.

This approach not only respects the diversity of student backgrounds but also prepares them to participate in a democratic society where multiple perspectives coexist.

In conclusion, the call for a return to impartial education is not merely a political stance; it is a fundamental principle that underpins the integrity of our educational system.

By ensuring that indoctrination remains out of the classroom, we can foster an environment where students are encouraged to think for themselves and engage with a variety of ideas, ultimately enriching their educational experience and preparing them for the complexities of the world.

Local Opinion: Indoctrination Must Stay Out of the Classroom

local-opinion-indoctrination-must-stay-out-of-the-classroom

The mobility tech industry faces a significant challenge not from competition but from how travel is discovered. As companies shift towards direct partnerships and AI-driven platforms influence search behaviors, the need for transparency and trust in travel discovery becomes paramount.

## The Real Threat to Mobility Tech: Discovery Over Competition

The mobility tech industry is undergoing a transformation, but the real threat it faces is not from competitors; rather, it stems from how travel is discovered.

Mike McGearty, CEO and co-founder of Meili, emphasizes that while the technology landscape has not dramatically changed, the approach of major travel brands towards customer ownership, data, and commercial relationships is evolving.

As airlines and travel companies increasingly seek direct partnerships with car rental providers, a critical question arises: why should intermediaries dictate what travelers see?

In an era where transparency and trust are becoming essential for conversion, the industry must reconsider its discovery processes.

### The Friction in Travel and Mobility Tech

McGearty points out that much of the friction in travel and mobility tech is rooted in legacy systems, biased displays, and confusing insurance models that travelers encounter at rental desks.

This confusion can lead to negative experiences, especially when customers do not see the brands they expect or when they face unexpected upsells upon arrival.

The importance of direct booking models is underscored, as they not only foster loyalty but also build trust.

However, the role of artificial intelligence (AI) in this landscape is complex.

While AI has the potential to enhance customer experiences, it is not a panacea.

McGearty challenges the industry to consider whether AI can genuinely assist customers when it is often constrained by margin biases and revenue targets.

One of the most pressing concerns for mobility tech is the influence of AI-driven platforms like OpenAI and Perplexity on search behavior.

As these platforms shape how travel options are surfaced, the question of who controls this discovery process becomes critical.

If partnerships dictate what travelers see, the industry risks losing the openness that has traditionally characterized travel discovery.

Moreover, the rise of new forms of expression, such as "vibes," video, and voice, is rapidly changing how travelers articulate their intentions.

Travel brands must adapt to these shifts without sacrificing transparency.

The automotive industry is also experiencing a shift in consumer preferences, moving from ownership to usership.

This change is reflected in the growing acceptance of alternative transportation methods, such as ride-hailing and car-sharing services.

A 2018 study indicated that nearly 40% of consumers believe that while transportation is necessary, owning a vehicle is not, highlighting a cultural shift towards access over ownership.

As consumers increasingly seek flexibility and convenience, the automotive industry must adapt its business models to meet these evolving demands.

This includes exploring new mobility solutions and integrating them into existing operations.

Technological advancements are at the forefront of this transformation.

The integration of cloud, mobile, and AI technologies is enabling companies to deliver personalized and immediate experiences to customers.

As consumer expectations rise, businesses must leverage these technologies to create seamless interactions and contextual engagements.

While personal vehicle ownership remains prevalent, the perception of cars is changing.

They are increasingly viewed as part of a broader transit ecosystem rather than as standalone sources of transportation.

This "car-lite" approach reflects a growing willingness among consumers to utilize multiple modes of transportation to complete their journeys.

The mobility tech industry stands at a crossroads, where the real threat lies not in competition but in how travel is discovered.

As AI and new technologies reshape consumer behavior, companies must prioritize transparency and trust in their discovery processes.

By embracing these changes and adapting to evolving consumer preferences, the industry can navigate the challenges ahead and thrive in a rapidly changing landscape.

The Real Threat to Mobility Tech: Discovery Over Competition

the-real-threat-to-mobility-tech-discovery-over-competition

Flu cases are rising sharply in Massachusetts, particularly among children, prompting health officials to urge vaccinations and preventive measures. With the holiday season underway, residents are encouraged to take steps to protect themselves and their families from the flu.

## Flu Cases Surge in Massachusetts: Health Tips for the Season

Flu activity is on the rise in Massachusetts, with health officials reporting a significant increase in cases this season.

The Boston Public Health Commission has noted that flu cases are surging earlier than last year, urging residents to get vaccinated to protect themselves and their loved ones during the holiday season.

During the week of December 7 to December 13, approximately 4.19% of doctor's visits in Massachusetts were for flu-like symptoms, a notable increase from 2.78% the previous week.

The state has reported a total of 3,174 lab-confirmed influenza cases during that same week, up from 1,401 the week prior.

This uptick is particularly concerning as it coincides with holiday gatherings, where the flu can spread easily.

The increase in flu cases is especially pronounced among children.

In Boston, there has been a 114% rise in flu cases, with children under five experiencing an 83% increase and those aged five to 17 seeing a staggering 217% surge.

Health officials are particularly worried about the impact on vulnerable populations, including the elderly and young children, who are at higher risk for severe illness.

Despite the rise in cases, the Massachusetts Department of Public Health has indicated that the severity of the influenza this season remains low.

However, hospitalizations associated with influenza have increased, with about 1.90% of hospitalizations in the state attributed to the flu during the week of December 7 to December 13, up from 1.24% the previous week.

To combat the rising flu cases, health officials recommend several preventive measures:.

**Get Vaccinated**: The Boston Public Health Commission emphasizes that vaccination is the best way to reduce the risk of flu and its complications.

As of early December, only 30% of Boston residents had received their flu vaccine this season.

**Avoid Close Contact**: Residents are advised to avoid close contact with individuals who are sick.

If you are feeling unwell, it is crucial to stay home from work, school, and holiday gatherings until you have been fever-free for at least 24 hours.

**Practice Good Hygiene**: Regular hand washing with soap and water or using an alcohol-based hand sanitizer is essential.

Additionally, covering your mouth and nose when coughing or sneezing can help prevent the spread of the virus.

**Clean Frequently Touched Surfaces**: If hosting gatherings, ensure that frequently touched surfaces such as countertops and doorknobs are cleaned regularly to minimize the risk of transmission.

**Consider Masking in Crowded Spaces**: In crowded environments, wearing a mask can help reduce the risk of catching or spreading the flu, especially during travel or public gatherings.

As flu cases continue to rise in Massachusetts, it is vital for residents to take proactive steps to protect themselves and their families.

With the holiday season upon us, following health guidelines and getting vaccinated can significantly reduce the risk of illness.

Health officials remain hopeful that increased awareness and preventive measures will help mitigate the impact of the flu this season.

Flu Cases Surge in Massachusetts: Health Tips for the Season

flu-cases-surge-in-massachusetts-health-tips-for-the-season

Upstate New York is bracing for significant snowfall and icy conditions starting Friday, which could severely impact post-Christmas travel. Governor Kathy Hochul has urged residents to exercise caution and consider altering travel plans due to the hazardous weather expected across various regions.

## Snow Forecast Complicates Post-Christmas Travel in Upstate NY

Upstate New York is preparing for a winter storm that could disrupt travel plans following the Christmas holiday.

Governor Kathy Hochul has issued a warning for residents to exercise caution as snowfall is expected to begin Friday and continue into Saturday morning.

The National Weather Service has predicted varying snowfall amounts across the state.

The Southern Tier could see accumulations of four to six inches, while the Mid-Hudson region may receive up to eight inches of snow.

In Western New York and the Finger Lakes, a wintry mix of sleet and freezing rain is anticipated, which could create particularly hazardous driving conditions.

With many people traveling after Christmas, Governor Hochul advised that those planning to hit the roads should consider rearranging their travel plans.

If travel is necessary, she emphasized the importance of allowing extra time for journeys and ensuring vehicles are equipped with safety essentials.

"New York is no stranger to snow and cold weather, and given the Christmas holidays, it's important to be extra prepared before getting on the road," she stated.

The New York State Department of Transportation is actively monitoring the situation and has mobilized over 3,600 operators and supervisors statewide to respond to the storm.

They are prepared to deploy a fleet of snow removal equipment, including 1,630 large plow trucks and 343 large loaders, to ensure roads remain as clear as possible during the storm.

Travelers are encouraged to stay informed about road conditions by calling 511 or visiting the New York State's official traffic and travel information website, www.511NY.org.

The Thruway Authority has also prepared its resources, with 688 operators ready to respond to winter weather conditions.

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