Tag Archives: cliff

Difficulties are plentiful for 26-year-olds falling off parental insurance cliff

Friday, Dec. 8, 2017|9:06 a.m.

Marguerite Moniot felt frustrated and flummoxed, regardless of the many hours she invested in front of the computer system this year checking out customer reviews of medical insurance prepares used on the private market in Virginia. Moniot was preparing to buy a policy of her own, knowing she would age out of her parent’s strategy when she turned 26 in October.

She asked her moms and dads for aid and guidance. However they, too, faced difficulty aiming to decipher which policy would work best for their child. The family had relied on her father’s employer-sponsored strategy through his work as an architect for years, so no one had actually invested much time sorting through policies.

“Truthfully, my moms and dads were simply as baffled as I was,” stated Moniot, a restaurant server in Roanoke.

In defeat, prior to Thanksgiving, she opted for her mom to fulfill a qualified health insurance navigator, purchasing a policy that allowed her to keep her current physicians.

A brand-new crop of youths like Moniot are falling off their moms and dads’ insurance coverage plans when they turn 26– the age when the Affordable Care Act stipulates that kids must leave family policies.

They were then expected to be able to shop relatively easily for their own insurance on Obamacare marketplaces. However with Trump administration revisions to the law and congressional costs injecting uncertainty into state insurance coverage markets, that task of buying insurance coverage for the very first time this year is anything but easy.

The reduced sign-up duration, which began Nov. 1, runs through Dec. 15. That window is half as long as last year’s, hampering those who wait until the eleventh hour to get insurance.

Suggestions and assistance are scarcer than before: The federal government cut marketing and outreach funds by $90 million, and federal funding to groups offering in-person support

was whacked by 40 percent. “I think it’s certainly going to be tough. There’s just additional barriers with [less] in-person aid, just less resources walking around,” said Erin Hemlin, director of training and consumer education for Young Invincibles, an advocacy group for young adults.

Emily Curran, a research study fellow at Georgetown University’s Health Policy Institute, said those actions integrated with the Trump administration’s energetic criticism of the health law might further handicap the uphill struggle to entice young people to enlist. Since Dec. 2, more than 3.6 million people had actually registered through the federal marketplace, according to the Centers for Medicare & Medicaid Providers. The information were not arranged by age.

“There’s already a barrier where young people are having problem comprehending what the value of insurance coverage is,” she stated. “Coming out … and stating prices are going up, choice is going down and this law is a mess doesn’t actually get at the young person population.”

Trouble Bring In Young Person

Before the Affordable Care Act, young adults had the greatest uninsured rate of any age group.

The ACA made coverage more cost effective and accessible. It permitted states to broaden Medicaid to cover single, childless adults. Tax credits to assist spend for premiums made plans on the individual market more budget-friendly for individuals whose incomes fell in between 100 and 400 percent of the federal poverty line (between $12,060 and $48,240 for a specific). And young people were allowed to remain on their parents’ strategy till their 26th birthday.

In all, the uninsured rate dropped to approximately 15 percent amongst 19- to 34-year-olds in 2016. Still, young people have actually not signed up with the specific market in the numbers as anticipated. About a quarter of marketplace customers in 2016 were ages 18-34, according to the Department of Health and Human Providers. But that age group comprises about 40 percent of the exchanges’ potential market, according to scientists and federal authorities.

If the Trump administration’s moves dampen enrollment, insurers might face additional obstacles in attracting healthy adults to balance those with diseases, who increase costs.

“When you’re relatively healthy, it’s not something that you’re thinking of,” stated Sandy Ahn, associate research study teacher at Georgetown University’s Health Policy Institute.

But health problem does not acknowledge age. Dominique Ridley, who turned 26 on Dec. 6, understands this all too well.

Ridley has asthma. She constantly brings an inhaler and sees a doctor when she feels her chest tighten up. The trainee at Radford University in Virginia depends on her mom’s employer-sponsored plan for protection.

Ridley began peppering her moms and dads with questions about health insurance as soon as she started seeing ads for this year’s open enrollment.

“I don’t wish to just head out there and obtain medical insurance, and it be all type of incorrect and I cannot manage it,” she said.

Her moms and dads didn’t have the responses, however her mother connected Ridley with a pal that runs a marketing company tailored to promoting the Affordable Care Act. Ridley then connected with a broker who signed her up for a silver strategy that will cost her less than $4 each month, after receiving a premium subsidy of more than $500 a month.

“If you do not have medical insurance, you do not have anything,” Ridley stated.

A Digital Project

The Obama administration relied in part on partnerships to attract young enrollees to sign up. In 2015, it worked together with nationwide organizations like Planned Parenthood Federation of America and Young Invincibles on a social media project called #HealthyAdulting. Emails, according to Joshua Peck, former chief marketing officer for healthcare.gov, were especially reliable for recruitment.

The Centers for Medicare & & Medicaid Providers, which oversees the marketplaces, stated it will focus this year’s resources on “digital media, email and text messages.”

Hemlin said the federal government has not asked Young Invincibles to assist in marketing. Her group will use its own resources to spend for targeted advertisements on social networks to reach the target market, she stated.

“However undoubtedly we cannot offset $90 million in advertising” that’s been cut, said Hemlin.

One aspect that might compensate is that 20-somethings are facile at going shopping online, stated Jill Hanken, director of Enroll! Virginia, a statewide navigator program.

“Our task is to make sure they comprehend to look at provider networks and drug formularies if they have health concerns. But they’re able to do the mechanics of registration by themselves extremely often.”

James Rowley, a 26-year-old business owner from Fairfax, Va., is among those who signed up without assistance. He started his own company two years ago while covered under his father’s health insurance. When he turned 26, he signed up for health insurance on his own through a special registration duration this year. After general enrollment opened this fall, he as soon as again selected a plan.

“I may not 100 percent require it now, however there will come a time where medical insurance is essential,” said Rowley.

Kaiser Health News is a not-for-profit news service covering health concerns. It is an editorially independent program of the Kaiser Household Foundation that is not connected with Kaiser Permanente.

Idaho mom intentionally drove off 50-foot cliff with 3 kids, authorities say

Authorities said Friday, Oct. 27, 2017 that Noel Bankhead deliberately drove her sport-utility vehicle off a cliff and into a reservoir in a crash that killed her and her three young children. (Patrick Orr/Ada County Sheriff's Office via AP, File)< img src=" /wp-content/uploads/2017/10/15276356_G.png" alt=" Authorities stated Friday, Oct. 27, 2017 that Noel Bankhead intentionally drove her sport-utility vehicle off a cliff and into a tank in a crash that eliminated her and her 3 kids. (Patrick Orr/Ada County Sheriff's Office through AP, File)"

title=” Authorities said Friday, Oct. 27, 2017 that Noel Bankhead deliberately owned her sport-utility automobile off a cliff and into a reservoir in a crash that killed her and her 3 children.( Patrick Orr/Ada County Sheriff’s Workplace by means of AP, File)” border= “0” width=” 180″/ >

Authorities said Friday, Oct. 27, 2017 that Noel Bankhead intentionally owned her sport-utility lorry off a cliff and into a tank in a crash that killed her and her three kids.

( Patrick Orr/Ada County Constable’s Office through AP, File ). BOISE, Idaho( AP)- An Idaho woman who owned her sport utility lorry off a cliff and into a reservoir in a crash in 2015 that killed her and her 3 children did so intentionally, authorities said Friday. The June 2, 2016, deaths were ruled a triple homicide-suicide by the Ada County Coroner’s Office, the office said in a statement. Authorities stated 40-year-old Noel Bankhead owned a Land Rover off a 50-foot (15-meter) cliff with her two daughters and son inside. The lorry sank in 40 feet (12 meters) of water in Lucky Peak Lake. The bodies of Bankhead and 13-year-old Anika Voermans, 11-year-old Logan Voermans and 8-year-old Gwyneth Voermans were recovered and the car, with a crushed roofing, was pulled from the reservoir.

The cause of death for all 4 was drowning associated with blunt force trauma.

Authorities said that witnesses told detectives that Bankhead was owning on a state highway when she turned off and placed the vehicle towards the cliff, then all of a sudden sped up.

Authorities stated they discovered nothing mechanically incorrect with the car but were unable to recuperate information from a water-damaged device on the lorry that records speed, velocity and breaking.

The Ada County Sheriff’s Workplace mentioned witness declarations and lack of skid marks in making its decision that Bankhead acted deliberately. Toxicology tests found no medication or alcohol in Bankhead’s system.

Sheriff’s spokesperson Patrick Orr declined to comment on Bankhead’s motive.

Bankhead went through a divorce about two years before the crash. Her obituary explained her as a devoted runner and full-time working mama who had actually worked as a paralegal and legal secretary for more than 20 years.

Obituaries described her children as active and curious with numerous interests and hobbies.

Copyright 2017 The Associated Press. All rights scheduled. This material might not be published, broadcast, rewritten or rearranged.

Cops: Missing out on Kentucky boy discovered dead after mama was tossed from cliff

By Adam Beam, Associated Press

FRANKFORT, Ky. (AP)– A Kentucky guy was charged Monday with the murder of a 5-year-old young boy who viewed helplessly as his mother was beaten, bound and pressed off a cliff over the weekend. The mom survived and was discovered by two hikers who notified authorities, triggering a two-day search that ended previously Monday when the young boy’s body was found near where his mother was left for dead.

Authorities arrested Lonnie Belt, 41, and charged him with the murder of James Spoonamore. Belt likewise faces charges of attack, kidnapping and damaging evidence. James’ mom, Jessica Durham, is recuperating at a Lexington healthcare facility.

Kentucky State Cops Commissioner Rick Sanders stated he did not know how the young boy died. Outcomes of an autopsy likely will not be offered for another two days.

It’s uncertain if Belt has an attorney. Sanders said Durham and Belt are associates and were not romantically included.

Cops provided couple of details of what took place. However an authorities report says Belt and Durham got into a fight over some money and “he hit her on the head, tied her up and took her to the cliff where he attacked her once again.” Sanders said 2 hikers discovered Durham Saturday early morning at the bottom of an 80-foot embankment.

“James was with Jessica when he took her to the cliff and assaulted her,” the report states.

Sanders declined to address concerns about what took place. He said more than 200 individuals searched for the boy on Saturday and Sunday. The search included cops pet dogs, aircraft from the National Guard and great deals of volunteers. Sanders said authorities found the kid at 9:31 a.m. about 180 feet off the roadway in Jackson County, about 65 miles (105 kilometers) southeast of Lexington.

The news was ravaging for Durham and her household, which includes some family members in Florida who were sustaining Hurricane Irma while authorities were looking for the kid.

“Honestly, it’s been hell. That’s the only way to explain it,” stated Mary Batson, Durham’s sister.

Cynthia Wallace, Durham’s mother and the young boy’s grandmother, said she is still without power at her home near Winter season Haven, Florida. She explained James as a sweet young boy who loved playing with cars and trucks and being in the water. He recently started kindergarten, and Wallace said she enjoyed taking a look at photos Durham sent her of the kid’s very first day at school.

“He was so pleased, he enjoyed school and he even wanted to go on the weekends,” Wallace said. “It’s difficult. It hurts. I just went through a typhoon and all of this here on top of me, I’m simply harmed.”

Copyright 2017 The Associated Press. All rights scheduled. This material might not be released, broadcast, reworded or redistributed.

2 19-year-old hikers discovered dead after falling from cliff in Oregon


An Oregon neighborhood is mourning the loss of 2 girls who passed away on a backpacking trip when they fell off a cliff along the Pacific Crest Path.

Good friends state Emily Lang and Emma Location, both 19, were cut from the same fabric– two girls with huge hearts and huge strategies, just starting their lives. But on Saturday night, hikers discovered their bodies listed below a 150 foot cliff, 6 miles northwest of Timberline Lodge. Investigators can just presume they fell.

Place’s life-long friend Nathan Hoppenrath says she and Lang had actually been eagerly anticipating their backpacking experience.

“This was a huge one Emma was speaking about for a while. She was super fired up,” stated Hoppenrath. “Just the quantity of love Emma has, she showed that to Emily. The two of them got along really well. They shared numerous memories together and they shared a beautiful relationship.”

Lang just completed her very first year at Western Washington University and Location at Gonzaga.

Place invested the summertime working as a therapist at Cascades Camp in Yelm, Washington. She matured there as a camper. Assistant Director Rob Mohrweis says Location had a strong faith and a passion for service. The personnel is ravaged.

“We’re all simply stunned and in shock,” said Mohrweis. “Emma was an incredible light. She had a smile that would illuminate the room. She was just goofy with a fun character. She was kind an uplifting fr everybody that was around her.”

The teenagers finished from St. Mary’s Academy together in 2016.

On Tuesday, Principal Nicole Foran sent a composed declaration saying, “These amazing, unique girls left unforgettable imprints on our community during their time at SMA. May the peace of the Lord be with all of us, and particularly bless the families of Emily and Emma with courage and grace.”

Clackamas County deputies are seeking tips and more info from other hikers or possible witnesses about exactly what took place that led to the teens’ deadly fall.

Copyright 2017 KPTV-KPDX Broadcasting Corporation. All rights reserved.

Guy guilty of pushing wife off Colorado cliff to her death

Monday, Sept. 21, 2015|3:37 p.m.

DENVER– A federal jury on Monday convicted a guy of murder for pushing his wife to her death off a cliff as they hiked in Colorado’s Rocky Mountain National forest to commemorate their wedding event anniversary, declining his claim that her fall was an awful mishap.

It took the jury about 10 hours to find Harold Henthorn, 59, guilty of first-degree murder in the death of his 2nd better half, a rich Mississippi local. She died after plunging about 130 feet off a cliff in a remote, rocky location where the couple had actually been treking on Sept. 29, 2012, their 12th wedding event anniversary.

Henthorn told private investigators that his partner stopped briefly to take an image of the view and fell face-first over the ledge. His attorney, Craig Truman, stated district attorneys failed to show he eliminated her.

Prosecutors suggested during a two-week trial that Henthorn thoroughly staged Toni Henthorn’s death to resemble a mishap since he stood to benefit from her $4.7 million in life insurance policies, which she didn’t know existed. They seized on Henthorn’s inconsistent accounts of the fatal fall and stated the proof did not match his moving stories.

Henthorn shook his head when the judge surveyed the jury, and after the verdict was read, one of the jurors hugged Toni Henthorn’s mom, Yvonne Bertolet.

“That was extremely meaningful,” Bertolet said. “Believe it or not I forgive him (Henthorn) for doing it. I feel for him and his household.”

After the jury was dismissed, applause appeared in the courtroom.

“We are thrilled with the verdict and eased this won’t happen to other lady,” said Barry Bertolet, Toni Henthorn’s sibling. “We do not have to worry anymore.”

Harold Henthorn, who deals with a mandatory life term when he is sentenced Dec. 8, searched the remote location of the popular park 75 miles north of Denver 9 times before bringing his spouse with him. He was searching for the “perfect location to murder someone,” where there would be no witnesses and no opportunity of her enduring, prosecutor Suneeta Hazra said.

Toni Henthorn, 50, wasn’t an avid hiker, so it didn’t make good sense that she would have gone voluntarily into such hazardous surface, investigators affirmed. A coroner stated he could not figure out whether she fell or was pushed, however he said he found no proof that Harold Henthorn in fact carried out CPR on his spouse, in spite of exactly what he told dispatchers.

And park rangers stated Henthorn might not discuss why he had a park map with an “X” drawn at the area where his better half fell.

Prosecutors said the fatal fall was reminiscent of the death of Henthorn’s very first spouse, Sandra Lynn Henthorn, who was crushed when a vehicle slipped off a jack while they were altering a flat tire in 1995– numerous months after their 12th wedding event anniversary. Henthorn has actually not been charged in that case, but authorities reopened the investigation after his 2nd other half’s death.

Information of the earlier case dominated the trial. A paramedic who responded to the 1995 accident affirmed that Henthorn didn’t appear distressed by what had actually taken place, and an investigator stated a shoe print found on the car recommended it may have been pushed.

Though the investigation into Sandra Lynn Henthorn’s death was at first closed after a week, Truman suggested that the probe had actually been extensive and the case just got brand-new analysis after Henthorn was charged with murder. The first better half’s death was a mishap, he stated, as was a 2011 occurrence where a 20-foot beam fell on Toni Henthorn while the couple was working at their mountain cabin. It hit her in the head and fractured her vertebra.

Toni Henthorn was a successful ophthalmologist from Mississippi who likewise made money from her household’s successful oil company.

Harold Henthorn told her he was a business owner and convinced her to move with him to the Denver suburban area of Highlands Ranch. They had a child, now 10.

Prosecutors said Harold Henthorn made counterfeit company cards to make it look like he was a hard-working fundraising event for churches and nonprofits, however private investigators discovered no evidence that he had any income from regular employment.

AZ man identified in cliff-diving death in Laughlin


An Arizona man was determined as the individual who died in an obvious cliff diving occurrence in Laughlin on Sunday.

The Clark County Coroner’s Office recognized the victim as Jose Onofre Molina Jr., 29, of Mohave Valley, AZ. Since Monday, his cause and manner of death remained pending.

Las Vegas Metro police Lt. John Liberty stated 3 individuals were on the banks of the Colorado River in Laughlin about 6:30 a.m. Sunday.

One person tried to dive into the river but missed, Liberty said. That individual was noticable dead at the scene.

According to Liberty, the three individuals might have been drinking before the incident.

Copyright 2015 KVVU (KVVU Broadcasting Corporation). All rights reserved.