The Brief

For millions of Americans who buy their own health insurance through the Affordable Care Act marketplace, the end of the year brings a day of reckoning: It's time to compare benefits and prices, and consider changing to a new plan, or enroll for the first time.

Open enrollment starts Wednesday for the ACA's federal and state exchanges. Consumers can go online, call, or seek help from a broker or other assister to learn their 2024 coverage options, calculate their potential subsidies, or change plans.

In most states, open enrollment lasts through Jan. 15, although some states have different time periods. California's, for example, is longer, open until Jan. 31, but Idaho's runs from Oct. 15 to Dec. 15. In most states enrollment must occur by Dec. 15 to get coverage that begins Jan. 1.

Health policy experts and brokers recommend all ACA policyholders at least look at next year's options, because prices — and the doctors and hospitals in plans' networks — may have changed. Here's what else you need to know.

People bumped from Medicaid may be eligible, and could make it another record year for signups

ACA plans are now well entrenched — an estimated 16.3 million people signed up during open enrollment last year. This year may see even larger numbers. Enhanced subsidies first approved during the height of the COVID pandemic remain available, and some states have boosted financial help in other ways.

In addition, millions of people nationwide are losing Medicaid coverage as states reassess their eligibility for the first time since early in the pandemic. If you're one of those ousted, be aware you could be eligible for an ACA plan. You can sign up as soon as you know you're losing Medicaid coverage — even outside of the open enrollment season.

Assistance from brokers comes with new strings

An important caution: Don't wait until the last minute, especially if you are seeking help from a broker. Consumers this year will be asked to certify that they voluntarily agreed to brokers' assistance and that their income and other information provided by brokers is accurate.

It's a good protection for both parties, said broker Joshua Brooker, founder of PA Health Advocates in Pennsylvania. But brokers are concerned the requirement could cause delays, especially if clients wait until right before the end of open enrollment to apply.

"Brokers will need to stop what they are doing right at the end before they click 'submit' and wait for the consumer to sign a statement saying they reviewed the policy," Brooker said.

Your premiums could go up — shop around

While some health plans are lowering premiums for next year, many are increasing them, often by 2% to 10%, according to a Peterson-KFF Health System Tracker initial review of rate requests. The median increase, based on a weighted average across its plans for each insurer, was 6%.

Premiums, and whether they go up or down, vary widely by region and insurer.

Experts say that's a big reason to log on to the federal website, healthcare.gov, in the 32 states that use it, or on to the insurance marketplace for one of the 18 states and the District of Columbia that run their own. Changing insurers might mean a lower premium.

"It's very localized," said Sabrina Corlette, research professor and co-director of the Center on Health Insurance Reforms at Georgetown University. "People should shop to maximize their premium tax credit, although that might require not only changing to a new insurance plan, but potentially also a new network of providers."

Most people buying their own coverage qualify for the tax credit, which is a subsidy to offset some, or even all, of their monthly premium. Subsidies are based partly on the premium of the second-lowest-priced silver-level plan in a region. When those go up or down, possibly from a new insurer entering the market with low initial rates, it affects the subsidy amount.

Household income is also a factor. Subsidies are on a sliding scale based on income.

Subsidies were enhanced during the pandemic, both to increase the amount enrollees could receive and to allow more families to qualify. Those enhancements were extended through 2025 by President Joe Biden's Inflation Reduction Act, passed last year.

Online calculators, including one at healthcare.gov, can provide subsidy estimates.

You may qualify for lower deductibles and copays

In addition to the premium subsidies, most ACA enrollees qualify for reduced deductibles, copayments, and other types of cost sharing if their income is no more than 2.5 times the federal poverty level, or about $75,000 for a family of four, or about $36,450 for a single-person household.

ACA plans are grouped into colored tiers — bronze, silver, gold, and platinum — based largely on how much cost sharing they require. Bronze plans offer the lowest premiums but usually the highest copayments and deductibles. Platinum plans carry the highest premiums but the lowest out-of-pocket expenses for care.

Cost-sharing reductions are available only in silver-level plans and are more generous for those on the lower end of the income scale. New this year: To help more people qualify, the federal marketplace will automatically switch eligible people to a silver plan for next year if they are currently enrolled in a bronze plan, as long as the enrollee has not made an adjustment in coverage themselves.

There are safeguards built in, said insurance expert and broker Louise Norris, so that people are auto-enrolled in a plan with the same network of medical providers and a similar or lower premium. Additionally, nine of the states that run their own marketplaces — California, Colorado, Connecticut, Maryland, Massachusetts, New Jersey, New Mexico, Vermont, and Washington — have enhanced their cost-sharing reduction programs by extending eligibility or increasing benefits.

Some 26-year-olds will get to stay on parents' plans longer

Happy birthday! Existing federal marketplace rules allowing adult children to stay on their parents' plans though the calendar year in which they turn 26, rather than lose coverage on their 26th birthday, were codified into regulation.

States that run their own markets can set similar rules, and some already allow for longer periods on a parent's plan.

Networks may be small — check that your doctors are covered

Insurance plans often try to reduce premiums by partnering with a limited set of doctors, hospitals, and other providers. Those can change year to year, which is why insurance experts like Norris say enrollees should always check their plans during open enrollment to ensure their preferred physicians and medical centers are included in the network.

It's also a good idea, Norris said, to look closely for changes in prescription drug coverage or copayments.

"The general message is, don't assume anything and make sure you check to see who is in the network," Norris said.

Last year, the Biden administration set rules requiring health plans to have enough in-network providers to meet specific driving time and distance standards. A proposal to limit how long patients wait for a routine appointment has been delayed until 2025.

What we still don't know

A few things remain uncertain as the end of the year approaches. For example, the Biden administration proposed this summer to reverse a Trump-era rule that allowed short-term insurance plans to be sold for coverage periods of up to a year.

Short-term plans are not ACA-compliant, and many have fewer benefits and can set restrictions on coverage, including barring people with health conditions from purchasing them. As a result, they are far less expensive than ACA plans. The Biden proposal would restrict them to coverage periods of four months, but the rule isn't final.

Also pending: a final rule that would allow people to sign up for ACA coverage if they were brought to the U.S. as children by parents lacking permanent legal status — a group known as "Dreamers."

KFF Health News, formerly known as Kaiser Health News (KHN), is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling, and journalism.

A federal judge has now granted Paramount’s settlement agreement with 12 states that sued over the company’s takeover of Warner Bros. Discovery, allowing the companies to soon close their $81 billion mega merger.

In a Wednesday order, U.S. District Judge Araceli Martínez-Olguín ruled that the proposed consent decree was a “fair, reasonable, and good faith approach to address the competitive harms” alleged by the states’ lawsuit. Paramount previously called the antitrust challenge the last hurdle ahead of closing its Warner merger, and signaled that it aims to close its Warner acquisition as soon as early October.

Shortly after Martínez-Olguín’s ruling on Wednesday afternoon, the company announced that Ynon Kreiz — current chief executive at toy giant Mattel — will join Paramount on Oct. 5 and serve as co-CEO alongside David Ellison of the combined company.

A Paramount-Warner marriage will bring together two of Hollywood’s last five legacy studios. HBO Max, a library full of titles including “Harry Potter” and cable networks such as CNN will also find themselves under the same roof with CBS, the likes of the “Top Gun” franchise and the Paramount+ streaming service.

Top prosecutors from 12 states — led by California Attorney General Rob Bonta — sued in July with an initial goal of blocking the merger altogether. They alleged a Paramount-Warner combo would “extinguish competition” and lead to fewer choices for consumers, particularly movie theatergoers and cable customers.

Last week, the states agreed to settle these claims through new commitments from Paramount, including pledges to increase film production in the U.S. over the next five years, commit millions of dollars to a fund aimed at supporting workers displaced by the merger and establish new editorial monitoring of CNN and CBS.

When announcing the deal on Sept. 21, Bonta said the settlement was about “protecting people’s careers, the lives they’ve built here in California, the livelihoods their families rely on,” while maintaining it was not a vote of support for the merger.

Many critics of the tie-up, however, quickly decried the deal as capitulating to corporate pressure and said the proposed terms were too weak. Martínez-Olguín didn’t greenlight the terms right away — maintaining at a hearing on Thursday that the court isn’t merely a “rubber stamp” on a settlement of this kind and that she, like many others, still had questions.

The judge granted outside critics of the settlement — including members of the Block The Merger coalition and the League of United Latin American Citizens — a brief window to share their opposition with the court through amicus briefs. She also instructed Paramount and the settling states to respond to a letter from Democratic Sen. Cory Booker, who called for a more thorough review of the deal.

By Wednesday’s order, however, she concluded that the hopes for settlement terms to go further “do not rise to the level of legal violations upon which the Court can reject the parties’ negotiated resolution.”

The Block the Merger coalition on Wednesday maintained the settlement was a “toothless” deal.

“Allowing the Paramount Skydance-Warner Bros. Discovery merger to move forward with no meaningful structural remedies will cost jobs, mute creativity, weaken independent journalism, and damage our First Amendment rights,” Block the Merger said in a statement. But, the coalition added, “if there is one discernible benefit to the approval of this corporate takeover, it’s that people are now wide awake and paying attention –- and their anger is not going to fade away.”

The Writers Guild of America, which had filed its own suit shortly after the states in July, also reached a settlement agreement with Paramount last week — concluding that it couldn’t continue its legal fight alone.

This story first appeared on The LA Local.

Inglewood is staring down the barrel of a $30.8 million budget deficit next year, the city’s largest in at least two decades, but officials said locals don’t need to be worried. 

Inglewood’s budget ballooned after SoFi Stadium opened in 2020. City officials roughly doubled their spending from the general fund — the pot of money that pays for basic services from police to parks. 

Revenue also boomed in the first few years after the stadium’s opening, but since then hasn’t quite kept up with what’s been spent. 

City officials downplayed the projected deficit last week, saying in reports and presentations that reserves of more than $150 million will cover the gap this year and that they expect increased tax and other revenues to help take care of the problem in the future.  Mayor James Butts said locals have no reason to worry, and that the city’s reserves have enabled officials to be ambitious in their planning. 

Whether they have to dip into those savings at all depends on how locals vote for a ballot measure on Nov. 3. Officials predict Measure AT could wipe out the deficit entirely by bringing in as much as $45 million to $50 million extra in taxes on tickets to major events.

But_, if Inglewood continues to spend more than it takes in over the coming years and pulls too much out of its reserves, city officials could be pushed to lay off staff and cut funding for services, as they did during a fiscal crisis 15 years ago.

The City Council approved the budget proposal in a 4-0 vote at its Tuesday meeting. Councilmember Eloy Morales Jr. was absent.

Here’s a breakdown of Inglewood’s budget

Inglewood’s annual general fund revenue has grown by about $100 million over the last 10 years, driven in large part by increased property taxes and admissions tax.

But that growth has plateaued over the last five years, while expenditures continued to grow. The city plans to spend $279 million out of its general fund this year, more than double its annual spending prior to 2020.

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The city’s total budget is $675 million. It includes the general fund as well as special funds that pay for things like major construction projects and affordable housing.

Police take the largest bite out of Inglewood’s general fund, followed by the public works and parks departments.

Outside the general fund, the city has also budgeted $239 million for capital projects.

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Some of Inglewood’s largest sources of general fund revenue are property tax, sales tax and admissions tax. 

Property tax revenue has grown by leaps and bounds over the last five years, according to budget documents, but admissions tax and sales tax haven’t matched the growth.

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Officials hope city reserves and a ballot measure will fill the deficit

Inglewood has had budget issues before. The deficit approached $18 million in 2010, just before Mayor James Butts was elected, while reserves fell to around $11 million.

This time around, officials say Inglewood has over $150 million in reserves. 

Butts said those reserves have allowed the city to take an aggressive approach to improving streets, traffic lights and other city infrastructure.

“We put the money there because we want the city to be rehabilitated,” Butts said.

Pulling from reserves, though, isn’t something a city can do indefinitely. City Manager Louis Atwell wrote in a budget report that staff expect tax revenue to keep increasing and new developments to give the city an additional boost. With staff keeping an eye on operating costs, Atwell wrote, those revenues would narrow the city’s budget gap down the line. 

This year’s election could also come into play. The two city ballot measures voters will see — AT and BB — are the product of a larger battle between the city and its stadiums over billboard advertisements and the development deal that brought SoFi Stadium to Inglewood.

Either measure could have a substantial effect on the city’s books. 

Inglewood currently pulls in a 10% tax on SoFi Stadium tickets, but with an annual ceiling on how much the city can get. Measure AT, backed by billboard company WOW Media, would remove the cap and add a new 2.5% tax for the Intuit Dome.

Officials estimated it would bring in between $45 million and $50 million extra annually, more than enough to cover the city’s current deficit. Atwell cautioned, though, that the figures aren’t guaranteed and could depend on economic conditions, the timing of the measure’s roll-out and other factors. 

On the flip side, officials said Measure BB could curtail billboard fees and ratchet the deficit up to almost $39 million. 

The initiative would ban most commercial advertising on the large video billboards that have cropped up along the city’s main roads. Measure BB would cut off a revenue stream that, according to past budget documents, has brought the city between $3 million and $7.5 million. 

City officials itemized how much Inglewood made from billboards in each of the last 10 years, but did not do so in this year’s budget. 

The ballot measures are just a few items on a packed Inglewood ballot that includes elections for mayor, two city council members and three Board of Education trustees. 

International politics moved front and center in the Los Angeles mayor’s race Tuesday night, with the candidates offering differing views on how to describe what’s happening in Gaza.

Incumbent Mayor Karen Bass and challenger City Councilmember Nithya Raman answered questions separately at a forum sponsored by the Jewish Federation of Los Angeles at the Skirball Cultural Center in the Sepulveda Pass. The candidates were interviewed back-to-back on stage by moderator Alex Cohen.

The forum was designed to address the concerns of Jewish Angelenos.

Raman was asked about her use of the term “genocide” and whether it is appropriate to describe Israel’s attacks on Gaza.

L.A. City Councilmember Nithya Raman, right, on stage with moderator Alex Cohen at the Skirball Cultural Center during a mayoral forum on Tuesday, September 29, 2026.

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“I used it because other experts have used it to describe what’s happening,” she said. “And I used it because I felt compelled to speak out about issues that we saw, the images that we saw, the targeting of hospitals, the deaths of children.”

Bass had a different response from her opponent when asked whether she believes the term applies in Gaza.

“When I think of foreign affairs, especially conflicts, my focus is on how they impact the city of L.A. — no, I don’t,” Bass responded.

L.A. Mayor Karen Bass answers questions at a mayoral candidates forum held at the Skirball Cultural Center.

The Gaza Health Ministry estimates 74,000 Palestinians have died in the war, including many children and noncombatants.

The war started on October 7, 2023, when Hamas-led militants launched a surprise attack on Israel, killing around 1,200 people and kidnapping 251.

Genocide is an international crime defined by the United Nations as any act committed with the specific intent to destroy, in whole or in part, a national, ethnic, racial or religious group.

The U.S. government and Israel vehemently deny genocide is going on in Gaza. Many other countries and human rights organizations disagree, saying it is genocide.

Candidates differ on Israel boycott

The two also split on the boycott, divestment and sanctions movement against Israel.

Raman called it “a legitimate form of peaceful protest” against Israel over its treatment of the Palestinians, prompting loud boos from some in the crowd.

“I support people’s right to protest,” she said. “And I will fight for that right even when I don’t agree with protesters, or when I agree with protesters.”

Raman is a member of the Democratic Socialists of America, which supports the boycott and divestment of Israel.

Bass said she would oppose any effort to enact sanctions against Israel.

Cohen also asked Raman about her appearance with Hasan Piker, a left-wing Twitch streamer and outspoken critic of Israel.

Raman said she disagreed with some of Piker’s views, saying it’s important for elected officials “to go speak to them even when you disagree.”

Raman said she has been an outspoken critic of antisemitism and was the first L.A. elected official to denounce the 2023 attack on Israel.

National polls on Gaza

The divergence in views between Bass and Raman represents a larger shift in the Democratic Party over Israel.

A new AP-NORC poll found erosion of support for the longtime U.S. ally, with rising opposition from Democrats.

About one-third of U.S. adults — including roughly half of Democrats — believe that Israel has committed genocide against Palestinians during the war in Gaza, according to The Associated Press. About 2 in 10 Americans say Israel has not, and the rest, about half, don’t know enough to say.

A similar share, 30%, of Jewish adults say Israel has committed genocide, although about half, 49%, say it has not.

“40 hours, $2M+ AI credits, solve an open problem.”

So read the splashy announcement for the “Mathathon” at the California Institute of Technology in Pasadena. Dozens of teams would work to solve vexing math problems with the help of artificial intelligence as part of “the first hackathon ever devoted to research level mathematics,” according to the early September post. AI juggernauts Anthropic and OpenAI were set to sponsor the two-day competition.

The backlash came swiftly. Critics objected not only to using AI to tackle open problems, but also to the involvement of AI companies whose models and research practices they have criticized.

Within days, current and former Caltech mathematicians published an open letter calling on the undergraduate organizers to suspend the event. The Mathathon, they argued, would only fuel the creation of “slop mathematics” and serve as public relations for the companies.

Instead of canceling the event, Caltech student organizers responded as any mathematician would — they tried to solve the problem.

The undergraduates redesigned the competition. Instead of trying to solve open mathematical problems, teams will now aim to develop alternative proofs for existing, yet unsatisfying solutions. The November event will also no longer be sponsored by the companies that develop proprietary AI models.

“We came to the decision that we want to put up an event that unites the math community, rather than divides it,” Brian Zhao, one of the Mathathon organizers and a junior studying applied mathematics at Caltech, told EdSource.

The controversy over the Mathathon event laid bare the growing tensions unfolding in the mathematics community over what role AI should play in advancing the field.

AI has already helped to solve elusive math problems. OpenAI announced this month that it used an internal AI model “significantly more capable” than the latest publicly available models to solve one of the remaining six Millennium Prize Problems. But mathematicians have warned about AI’s negative impact on mathematics students, and criticized these companies’ approach to solving high-profile problems.

“To put it bluntly, AI companies are engaging in research misconduct,” wrote the authors of the open letter, which gained the signatures of 2,038 academics as of this week.

‘That’s not the culture of mathematics’

Earlier this summer, Zhao and his roommate came up with their idea of a fun weekend: lock themselves in a basement and try to solve math problems for 40 hours straight. He was inspired by hackathon-style competitions in which programmers and designers compete to build hardware or software under deadline.

The idea of using AI to try to solve open math problems was two-fold. With mathematics undergoing one of the biggest changes in decades because of AI, the Caltech undergrads wanted to organize an event to experiment with AI and better understand how the field may evolve by the time they start graduate school.

Also, the students hoped that advertising the event with flashy statements — like suggesting teams would have access to $2 million in AI credits — would attract high-profile professors as judges and big lab sponsors.

“What is the role of a mathematician when AI can solve conjectures faster?” Mathathon organizers initially asked on the event’s website.

The AI-infused premise of Mathathon drew the ire of current and former Caltech mathematicians.

“I found it pretty outrageous, taking $2 million worth of sponsorships from OpenAI and Anthropic (and) partnering with these companies that have been, in my opinion, and many other mathematicians’ opinion, very disrespectful to our field,” said Yujin Kim, a postdoctoral fellow in Princeton University’s math department.

Kim had been critical of OpenAI’s approach to solving elusive mathematics problems in viral social media videos. The companies’ sponsorship of the event “felt like aligning with the empire,” Kim said.

“I can’t imagine [the Mathathon] would go any way other than just essentially button pressing and prompting,” Kim said. “That’s not the culture of mathematics. That’s not how we operate.”

After the backlash, OpenAI pulled its support from the event.

“We recognize that the rapid progress of AI in mathematics is disruptive,” Dan Roberts, OpenAI’s research lead, said in a social media post after the open letter was published. A spokesperson for Anthropic declined to comment.

The updated Mathathon competition will allow participants to use AI, but highly encourage them to use open-source tools that can be modified by the public instead of proprietary models run by private entities like OpenAI.

“We are proud of all of our students for the passion, drive, and maturity they have shown throughout this development,” Caltech spokesperson Emily Velasco said in a statement. “The spirit of open inquiry is central to the scientific process, and we hope to see a continued exchange of ideas as the math community charts its course forward.”

Zhao said he and his fellow organizers are determined to move forward with hosting the event. He said organizers hope the Mathathon will allow students to discover ways to use the technology responsibly, and build a bridge between AI developers and the math community.

AI can act like a shortcut to solving math problems

AI has conjured much debate in the math community, some of which has been overdue, said Dimitri Shlyakhtenko, a UCLA math professor who has followed Mathathon developments but did not sign the open letter.

From the outside, it may look like AI is upending the field by solving high-profile problems that have stumped mathematicians for decades. But the reality is more nuanced, Shlyakhtenko said.

“It is very rare that some result in mathematics is obtained out of nothing,” he said. “It usually builds on a mountain of other works that happen, and usually there’s a community of people that care about a particular set of problems.”

Mathematics problems aren’t about the destination of finding a solution, he said. Rather, mathematicians develop new techniques and understandings along the journey to solve a problem. He likened it to hiking to a waterfall. The end goal is to see the waterfall, but the things you discover along the journey are also quite interesting and of value.

With AI, he said that “what we’re seeing right now is that it is sometimes possible to take a kind of a direct shortcut.”

Some mathematicians worry that using AI to solve problems robs training opportunities from younger mathematicians.

Training problems provide opportunities for graduate students to learn skills and approaches to mathematics, but “if those just get solved, then the motivation to do it is kind of gone, right?” Shlyakhtenko said.

Over the past several months, as the Mathathon drama unfolded, Zhao said he has learned two important lessons: Be ambitious and be humble.

Maintaining the lofty goal of the event — of trying to help unravel the thorny debate of AI’s role in mathematics — has helped the team persist in the face of challenges, Zhao said. He added that it also developed the event into something more than just a fun, competitive weekend. The conversations with mathematicians around the world about the event have also taught him to be wary of flashy statements.

“If we just present ourselves honestly as undergrads who are curious about AI, we actually attract more sympathy,” Zhao said. “We actually attract more mathematicians who are willing to help us.”