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Oscar Health was going to be a new kind of insurance company. Started in 2012, just in time to offer plans to people buying insurance under the new federal health care law, the business promised to use technology to push less costly care and more consumer-friendly coverage. “We’re trying to build something that’s going to turn the industry on its head,” Joshua Kushner, one of the company’s founders, said in 2014, as Oscar began to enroll its first customers. These days, though, Oscar is more of a case study in how brutally tough it is to keep a business above water in the state marketplaces created under the Affordable Care Act. And its struggles highlight a critical question about the act: Can insurance companies run a viable business in the individual market? Oscar has attracted 135,000 customers, about half of them in New York State. And some of its efforts with technology have been successful. But for every dollar of premium Oscar collects in New York, the company is losing … [Read more...] about Health Insurer Hoped to Disrupt the Industry, but Struggles in State Marketplaces

The coronavirus pandemic has been defined by so much loss. Of lives, jobs, relationships. Of normalcy. But amid that upheaval, there have been occasional moments of hope, small positive changes borne from the chaos of the past three years. Hundreds of you wrote to us about the ways that pandemic disruptions surprisingly reshaped your lives for the better. Some of you found time to start a new business venture or fall in love. Lockdowns allowed you to spend more time with your children or parents, or prioritize your own happiness through daily morning walks, new recipes or oil painting. In June 2020, I adopted a sickly kitten, a responsibility I wouldn’t have been able to take on had I not been newly working from home. Now she’s almost 3 years old and a lovable companion for whom I feel immensely grateful. Reading your pandemic silver linings genuinely improved my week. I hope you enjoy them, too. Here’s some of what you shared, lightly edited for clarity. “In the spring … [Read more...] about Californians Share Their Pandemic Silver Linings

Sports bars seem to come and go in Denver, but a few have become institutions. One of those was LoDo’s Blake Street Tavern, the MVP of the sports bar scene for two decades before suddenly announcing earlier in March that it would close on April 9 . And while Blake Street Tavern is the first bar that many people think about when looking for a venue to catch the game, there are plenty of other awesome spots in Denver to cheer for your favorite team or to root against your most-hated foe. March and April are particularly good times to do that as the NCAA’s Final Four is wrapping up, Major League Baseball is beginning and the NBA and the NHL are heading toward playoff season. Here are nine of our favorites: Society Sports + Spirits LoDo sports bars can sometimes be as two-dimensional as their big-screen TVs. But Society goes way beyond the bland beer and bro-ish feel with two floors worth of sporting bliss. With three enormous projectors, 28 flat-screens and four “sound zones,” … [Read more...] about 9 of the best sports bars in Denver

Along the riverbanks of Eastern Kentucky, the redbud trees are just starting to bloom, their branches still lumbering under the weight of last summer’s catastrophic flood: Lawn chairs, trampolines, twisted gutters and school backpacks remain high in the treetops, each item a persistent and disorienting sign of how life here was turned upside down last July when shallow streams surged more than 18 feet in 10 hours in parts of the state, killing more than 40 people and leaving hundreds homeless . Yet while residents reach for the possibility of renewal, the largest regional investment being offered is a federal prison proposed for Letcher County, the heart of the flood zone. The possible federal correctional institution adds insult to an already injured region. In 2019 activists defeated the proposal, demanding that the funds be used for more forward-thinking purposes, including safe and affordable housing — all the more needed since the flood. The Trump and Biden … [Read more...] about Eastern Kentucky Needs Flood Relief, Not Another Federal Prison

The mastermind behind The Roller Wave, a traveling roller disco pop-up, is trying to revive an activity that was once a cornerstone of leisure and kinship in Black communities across the U.S. Harry Martin, its 33-year-old founder, describes roller discos as “a party on wheels.” His latest project, The Roller Wave House BK, is a long-term installation set up in Brooklyn, New York, that pays homage to “old-school” roller-skating rinks with modern amenities like a live podcast space and art installations. But before Black Americans could explore their love of roller-skating, their mere presence in roller rinks was barred in those segregated spaces, even after the Civil Rights Act of 1964 passed. In the 1960s, only one night a week was set aside for Black skaters in the rink, and it was typically dubbed “Soul Night” or “Martin Luther King Jr. Night,” Martin said. “This is Black culture, Latino, Latina culture going to these skating rinks,” Martin said. “We’re the ones that … [Read more...] about Roller-skating, an old-school refuge for Black Americans, is getting a revival