Lifestyle
Medicare Open Enrollment Runs Through Dec. 7
Medicare Open Enrollment, from Oct. 15 to Dec. 7, allows beneficiaries to compare health and prescription drug plans for potential savings and better coverage tailored to their needs.
Reviewing your Medicare options could save you money
(Family Features) If you’re enrolled in Medicare, it’s important to remember Medicare Open Enrollment runs from Oct. 15 through Dec. 7 each year. This is the time for people with Medicare to compare their prescription drug and health coverage options for the upcoming year.
It is important to compare your options because plans can change every year – even your current choice may be changing. Your health needs can change, too. By comparing all your options, you could save money, find a coverage option better tailored to you or both. By reviewing and comparing coverage, people can see if there are better options based on changes to their current plan, personal budget and health needs.
New This Year
The new prescription drug law is lowering out-of-pocket costs on covered prescriptions. New in 2025, all Medicare plans will include a $2,000 annual cap on what you pay out-of-pocket for prescription drugs under Medicare Part D. The cap only applies to drugs that are covered by your plan, so it’s more important than ever to review your plan options to make sure your drugs are covered. That means you will not pay more than $2,000 in 2025 on prescription drugs covered under Medicare prescription drug coverage – that includes expensive prescription drugs to treat cancer, chronic illnesses and more.
This is in addition to improvements already in effect due to the prescription drug law including a $35 cap on a month’s supply of each covered insulin product – and no out-of-pocket costs for recommended adult vaccines covered under Part D, including the shingles vaccine.
Also starting in 2025, you can choose to spread your out-of-pocket drug costs across the calendar year instead of paying all at once at the pharmacy. It’s called the Medicare Prescription Payment Plan. You can opt in with your plan in advance of Jan. 1 and throughout 2025.
How to Compare Prescription Drug and Health Coverage Options
Medicare.gov is the official source for information about Medicare and Open Enrollment. Start here to get unbiased information to find the type of coverage that best meets your needs.
Comparing prescription drug and health coverage options is easy at Medicare.gov. Get started by clicking on “Find Plans.” Then enter your ZIP code, current prescriptions and favorite pharmacies. You will see a side-by-side comparison of the total cost for all the plans in your area, including the premium and how much you’ll pay for your prescriptions. You’ll also be able to see what plans cover your prescriptions and whether some plans offer extra benefits. If you are happy with your current choice, you don’t have to do anything. If you choose a new option for 2025, you can enroll on Mediare.gov.
Before you enroll in a plan, consider this advice:
- Check if your health care providers are in a plan’s network.
- Check if your prescriptions are included on a plan’s formulary and if the plan works with your pharmacy.
- Review a plan’s estimated total costs to you, including deductible and other out-of-pocket costs. Remember low monthly premiums may not always be the best overall value for your specific needs.
- Check if Medicare Advantage plans offer extra benefits, like vision, hearing or dental coverage, if you need these services.
- Understand that you may need to get approval from the plan before it will cover certain services or supplies.
- Check your plan’s Star Rating to see how it performs on quality, customer service and more.
Medicare Can Help
To compare options and find the best coverage to fit your needs:
- Visit Medicare.gov and conduct side-by-side comparisons of costs and coverage.
- Call 1-800-MEDICARE. Help is available 24 hours a day, including weekends.
- Access personalized health insurance counseling in your community at no cost, available from your State Health Insurance Assistance Program (SHIP). Visit shiphelp.org or call 1-800-MEDICARE for locations near you.
Extra Help with Prescription Drug Costs
If you are struggling with prescription drug costs, Extra Help is a Medicare program that can help pay for your drug coverage (Part D) premiums, deductibles, coinsurance and other costs. With the prescription drug law, more people may qualify for even more savings. If you make less than $23,000 a year ($31,000 for married couples), it’s typically worth it to apply. People who qualify for Extra Help generally will pay no more than $4.50 for each generic drug and $11.20 for each brand-name drug. Visit ssa.gov/ExtraHelp.
Information provided by the U.S. Department of Health & Human Services.
Photos courtesy of Shutterstock
SOURCE:
Centers for Medicare & Medicaid Services
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health and wellness
Millions of mobile gamers prize stress relief over winning
Mobile Gamers Prize Stress: In the school’s car pickup line, five minutes before it starts moving. In the doctor’s office waiting room for an appointment that you’ve been heavily anticipating. In bed, just before going to sleep. In these transitional moments, many people reach for their phones — not to scroll, but to play.
Millions of mobile gamers prize stress relief over winning
(Sheeka Sanahori) In the school’s car pickup line, five minutes before it starts moving. In the doctor’s office waiting room for an appointment that you’ve been heavily anticipating. In bed, just before going to sleep. In these transitional moments, many people reach for their phones — not to scroll, but to play.
According to a June 2026 survey of more than 128,000 KashKick mobile gamers, playing a mobile game is more than a way to pass the time. Stress relief and relaxation are the top reasons respondents play, beating out entertainment and fun. As KashKick reports, for many people, this means mobile games are less a simple distraction and more a coping mechanism for the daily stress of life.
A quick reset for life’s transitional moments
Most respondents identify as women, and 60% live in households that earn less than $50,000 per year. In the ranking of their reasons for playing, stress relief and relaxation topped the list, with boredom relief, entertainment and fun close behind.
The ranking reads less like a profile of a gaming hobby and more like a profile of a coping behavior.
More than half of the respondents play games daily or multiple times a day. When they reach for a mobile game, about 53% of the time it’s for a short session—usually 30 minutes or less. Where and when people play tells its own story: 58% play in bed before going to sleep and 40% play in the bathroom. These are private, solitary moments, not the times people typically plan entertainment into their day.
Coping with stress by gaming
To understand why respondents play games for stress relief more than for fun, it helps to look at who they are. Among those surveyed, 19% say they’re unemployed or looking for work, and 60% live in lower-income households. There are likely some areas of their life where they must make every dollar stretch to cover the things they need.
The survey findings coincide with research from the American Psychological Association’s 2025 Stress in America report. According to the report, 18% of men and 22% of women under age 65 rate their stress level at eight or higher on a scale of one to 10. Although the KashKick survey didn’t measure stress, respondents are mostly women and fall within the age and income groups the APA found to carry the most stress.
The APA’s report also describes loneliness as a major strain for Americans. The KashKick survey didn’t measure feelings of isolation, but 55% prefer to play alone, and 60% rarely or never discuss their gameplay with friends or family.
Overall, the survey identifies a group of people who have found a routine, low-cost approach to cope with stress. They’re not necessarily there to get the highest score. They’re playing a mobile game to help them navigate a day that, with all of life’s to-dos and challenges, could quickly feel overwhelming.
Methodology
The KashKick Gaming Habits Survey was fielded from June 8, 2026, through Aug. 10, 2026, among KashKick members in the United States who play mobile games. The Gaming Habits Survey was available to all members on KashKick’s Surveys page post-profile completion. The survey received 128,218 total responses, with question-level response counts ranging from approximately 109,793 to 128,218 depending on attrition. All findings describe KashKick mobile gamers and should not be interpreted as representative of U.S. mobile gamers overall. Industry and stress context references publicly available data from the American Psychological Association, Statista, and Newzoo.
Photo courtesy of Shutterstock
SOURCE:
KashKick
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financial wellness
Covering Basic Expenses with Credit Cards Adds to the Growing Debt Cycle
The Debt Cycle: For many Americans, credit cards were once reserved for emergencies, major purchases or added security when shopping online. However, today, people are increasingly relying on credit cards and unsecured debt to cover basic everyday expenses like groceries.
Covering Basic Expenses with Credit Cards Adds to the Growing Debt Cycle
(Feature Impact) For many Americans, credit cards were once reserved for emergencies, major purchases or added security when shopping online. However, today, people are increasingly relying on credit cards and unsecured debt to cover basic everyday expenses like groceries.
According to a survey of 2,000 U.S. adults with at least $10,000 in unsecured debt conducted by Atomik Research on behalf of Accredited Debt Relief, a debt consolidation company specializing in unsecured debt relief, credit cards are no longer just a financial convenience but a tool for managing the rising cost of everyday necessities.
In fact, 66% of respondents reported having used a credit card to cover the cost of groceries within the last year. Other essentials aren’t far behind: 47% said they’ve used it for gas or transportation, 45% for utilities and 33% for rent or housing costs.
How Everyday Expenses Turn into Long-Term Debt
Debt builds over time when credit becomes part of monthly operations. For those struggling with cost-of-living pressures, using a credit card to cover groceries or utility bills may seem manageable in the moment. When the unexpected happens – a car repair, medical bill or unusually high energy bill – however, the balance adds up for the 46% of respondents who take on additional debt at least most of the time an emergency occurs and, without an executable plan for repaying it, could shorten the runway for taking care of such expenses in the future.
Because nearly 3 in 10 survey respondents rely on credit or borrowing just to get through a typical month, the data suggests what may have been a stopgap has become a routine part of managing personal finances. In fact, one-third of survey respondents said they depend on credit more than they did a year ago.
Lack of a Financial Cushion Makes Paying Down Debt Difficult
Breaking the debt cycle becomes especially difficult without emergency savings. Only 28% of respondents say they can cover expenses and save.
Additionally, 45% reported their income is enough to get by but not get ahead. Many said they’ve even put off taking a vacation or saving for the future due to their financial situations. When each paycheck is already committed to existing bills – 29% of respondents listed the cost of everyday expenses as the biggest barrier to reducing debt – making meaningful progress toward paying down debts becomes more difficult.
The Emotional Cost of Carrying Debt
Financial stress affects more than just the household budget. The survey found 25% of respondents are concerned about their financial future, with 12% worried they’re facing long-term financial instability. What’s more, nearly 7 in 10 said their current debt situation has negatively affected their mental well-being.
Without meaningful changes, whether through increased income, debt relief or financial support, these households may continue to rely on unsecured credit as a necessity rather than a strategic financial tool or occasional supplement. To learn more and find support to regain financial stability, visit AccreditedDebtRelief.com.
Photo courtesy of Shutterstock
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Community
ABCs for School Zone Safety: Tips for Drivers, Pedestrians and Bicyclists
School Zone Safety: A new school year means there’s more traffic around school campuses. Between dropoffs and pickups, children riding bicycles, walking to school and all the shuttling between sports practices and other extracurricular activities, this season is a reminder to make every trip to and from school a safe one.
ABCs for School Zone Safety: Tips for Drivers, Pedestrians and Bicyclists
(Feature Impact) A new school year means there’s more traffic around school campuses. Between dropoffs and pickups, children riding bicycles, walking to school and all the shuttling between sports practices and other extracurricular activities, this season is a reminder to make every trip to and from school a safe one.
To make sure no parent worries about their child getting to school safely, the California Office of Traffic Safety (OTS) and Caltrans are encouraging drivers, pedestrians and bicyclists to remember their “ABCs” on every trip: stay Alert for Bicyclists and watch for and yield to Children crossing the street.
With students in school and traffic patterns changing, consider these tips so students arrive to and from class safely:
Drivers
Because children outside of vehicles do not have the same protections as drivers and passengers, drivers have an outsized role to protect people walking, biking and rolling.
- Take your time and be patient.
- Always follow the speed limit.
- Use extra caution at crosswalks and intersections, especially if you notice children nearby.
- Don’t drive distracted – even a quick glance at your phone can have tragic consequences.
- Never drive while impaired.
- Adjust your driving to the conditions and use extra caution in rain, fog and darkness.
- If you see a bicyclist ahead, wait until it’s safe to pass and give them at least 3 feet of space when you do.
Pedestrians
Pedestrians have an important role in their own safety, particularly in school zones and crosswalks where children and other people may be present.
- Use sidewalks when available. If there are no sidewalks, walk facing traffic so you can see drivers and they can see you.
- Avoid crossing outside of crosswalks. If there is a signalized crosswalk or marked crosswalk, use it.
- Before crossing the street, look both ways. If there are any stopped or turning cars, try to make eye contact with the drivers before crossing so you know they see you.
- If you’re walking after dark or when visibility is poor, make yourself visible by wearing something bright or reflective and shining a light.
- Stay alert – don’t wear headphones or use your phone while crossing the street or walking across a busy road.
Bicyclists
Bicyclists can help protect themselves by staying alert and visible, especially in areas where traffic, pedestrians and young students may be present.
- When possible, plan your route along bike paths or roads with dedicated bike lanes away from vehicle traffic.
- Equip your bicycle with lights and reflectors to be more visible to drivers and pedestrians.
- Wear a properly fitted helmet and bright clothing.
- Learn cyclist hand signals to communicate when you’re turning, slowing or stopping.
- Stay aware of drivers and always yield to pedestrians.
To learn more and join the movement, visit GoSafelyCA.org.
E-Bike Safety Tips
With more young people using e-bikes than ever before, it’s important that riders and their parents or guardians understand the risks involved and make smart, safe choices.
Since e-bikes can travel at faster speeds than traditional bicycles, they pose greater risk for serious injury or death in the event of a crash. Class 1 and 2 e-bikes can both travel at up to 20 mph unassisted, while Class 3 e-bikes can go as fast as 28 mph unassisted.
E-bike rules vary based on the top unassisted speed, but parents and guardians should follow these tips for e-bikes:
- Many local ordinances and state laws restrict e-bike use for minors or require special licensing.
- Helmets are required for riders under age 18 for Class 1-2 e-bikes and all riders on Class 3 e-bikes, regardless of age.
- You must be 16 years or older to ride a Class 3 e-bike.
- Never ride e-bikes that don’t have pedals as they could be considered e-motos and not legally permitted on roads.
- Ride in bike lanes or on legal paths, avoiding roads with traffic when possible.
- Be as predictable as possible and use caution when making turns, crossing streets or riding in conditions with poor visibility.
E-bike rules may vary by state and regionally. Contact local law enforcement regarding local laws.
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