Thousands of Tennesseeans will be shopping for new health insurance plans for next year when open enrollment begins November 1. The experts say it's important to be aware of exactly what you're getting.

Over 600,000 Tennesseans don't have health insurance, according to the Kaiser Family Foundation.

Michele Johnson, executive director of the Tennessee Justice Center, said people shopping for coverage need to do some research to choose the most suitable plan for them.

She added that some plans are more affordable now that Congress has extended the subsidies that help many people pay for coverage.

"For lower-income folks, you can get a plan that provides really solid coverage, and you can get it for free or very low cost," said Johnson. "The most important thing to look for when choosing a plan is to make sure your doctors are in the plan - and then, make sure that your medicines are covered."

The Inflation Reduction Act included a provision to extend the Affordable Care Act's premium subsidies through 2025, so the subsidy rules that are in effect this year will continue for 2023.

To find out if you're eligible, visit 'Healthcare.gov' online. Enter your ZIP Code and the system will prompt you to enter income information, which determines how much your premium subsidy would be.

Johnson explained that the amount of savings is tied to your income, based on the Federal Poverty Level.

"If you're 400% of poverty or below, which is really upper-middle class in Tennessee, you will benefit from some subsidies," said Johnson. "The 200% in poverty and below, really generous subsidies. Folks below 200% of poverty can get plans for a really cheap amount per month."

The system then shows you the insurance plans available within your geographic area.

Dr. Rhonda Randall, chief medical officer for UnitedHealthcare, noted that there are some options that people may not think about - such as how a plan would handle a significant health event, like a pregnancy or chronic health condition.

She added that since the pandemic, more people also have recognized the benefits of getting care online.

"Plans that include virtual care services," said Randall, "for both medical conditions as well as behavioral health conditions, have become very popular. We've seen the utilization of those increase. You're also looking for a plan that has not only virtual health options, but a connection to in-person care as well."

Randall said adding dental, vision or hearing coverage is another consideration, as well as double-checking whether the plan covers the prescriptions you need. In short, she recommended that people do their homework, as enrollment dates are fast approaching.

People who are part of the Deferred Action for Childhood Arrivals program, known as DACA, will be dropped from their CoveredCA health plans at the end of August.

The move comes after the Trump administration changed a Biden-era definition of "lawfully present" to revoke health care eligibility for thousands of immigrants.

Christine Smith, policy and legislative advocate for the nonprofit Health Access California, said people only have a few weeks to get medical appointments in before their coverage ends.

"If you're enrolled in Covered California and you're a DACA recipient, the Trump administration just ended your coverage," Smith emphasized. "People should use as much of your health care as you can before the August 31st deadline."

The Centers for Medicare and Medicaid Services defended the move, saying it will save taxpayers money. CoveredCA estimated the change affects about 2,400 DACA recipients in the state who make too much to qualify for Medi-Cal and have jobs not providing health insurance. They can still buy private insurance but it is much more expensive. People who prepaid for their coverage can seek a refund.

Smith predicted it will be a blow not just to those who lose coverage but to the state's health care system as a whole.

"The lines in the ERs are going to be longer because people are not going to be able to get affordable preventive care," Smith projected. "They're just going to get sicker and then end up in the ERs. People will overall incur more medical debt. Hospitals will have more uncompensated care."

The change is nationwide. As of mid-July, about 538,000 people in the DACA program across the U.S. are ineligible to enroll in any state-based insurance marketplace and are unable to access premium subsidies or cost-sharing assistance.

Artificial intelligence is appearing more prominently in many aspects of life and research suggests older populations are curious, yet remain wary of using the technology in their everyday lives.

According to Stats Indiana, there are more than 1.5 million Hoosiers aged 65 and older, or 18% of the state's population. Experts said it is likely the demographic will use AI in some form in the next few years, either by choice or necessity.

Dr. Shaun Grannis, vice president of data and analytics for the Regenstrief Institute on Aging, said AI offers real benefits.

"It can reduce loneliness through conversation, provide reminders for medications and appointments," Grannis outlined. "It can support cognitive stimulation via games, storytelling, news updates."

The technology can also offer a low-pressure way to access information on public services, he added, which is valuable for those with mobility issues or those who feel intimidated by technology.

Grannis cautioned any tool which can be used for good can also lead to problems. He noted AI can create a false sense of companionship and mask social isolation. Overdependence is a legitimate concern, he argued, if the technology becomes a "crutch" for all forms of interaction.

"All cognitive activities or decision-making, it can actually lead to and create a negative feedback loop, lead to a decline in engagement and even basic self-management skills," Grannis explained. "This is risky."

Grannis believes one solution is designing AI systems to complement, not replace, human interaction. He stressed it can be done though building broader support ecosystems including family, friends, caregivers and community services. Grannis emphasized it would encourage real-world activity, prompting the user to go for a walk, call a grandchild or attend a local senior event.

If you have an extra five minutes, you can save a life because you can learn cardiopulmonary resuscitation at no cost from a new mobile, hands-only CPR kiosk.

The new kiosk is in the lobby of Saint John's Health Center in Santa Monica. The machine's touch screen gives a brief overview of hands-only CPR and you can practice right there, on a mannequin.

Dr. Rigved Tadwalkar, cardiologist at St. John's, said it is an easy way for people to get more comfortable giving chest compressions in an emergency.

"It's a lot like a video game but of course, a lot more important than a video game," Tadwalkar pointed out. "It gives real-time feedback about the depth and rate of compressions, proper hand placement, which are all factors that influence the effectiveness of CPR."

The American Heart Association operates the St. John's mobile kiosk and a stationary model at L-A-X with support from the hospital. Santiago Canyon College in Orange County also has a mobile hands-only C-P-R kiosk now through September, sponsored by Edwards Lifesciences.

Steven Munatones, an Orange County business owner, said he survived what's known as a "widowmaker" heart attack which led to cardiac arrest nine years ago, thanks to his 17-year-old son, who gave him immediate CPR with instructions from a 911 operator.

"You don't have to put your mouth to anybody's mouth," Munatones explained. "You just put your hand on their chest and pump. He saved me, and others can do the same, anywhere. So, it's absolutely a lifesaving, heroic act that anybody can do."

Statistics show 350,000 Americans suffer from cardiac arrest outside a hospital each year and about 90% die, in part because they do not receive CPR. About 70% of those cardiac arrests happen at home, so people often depend on family or friends to give CPR before an ambulance arrives.