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Affordable Care Act: How to Sign Up and When You Can in 2022

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Affordable Care Act: How to Sign Up and When You Can in 2022

Health insurance can be expensive in the US, especially when your company doesn't provide it. If you're shopping around for options during the enrollment period this fall, checking out health plans through the Affordable Care Act is a good way to start.

Signed into law by former President Barack Obama in 2010, the Affordable Care Act was designed to give more Americans access to affordable health insurance. The law also expands the Medicaid program and supports new medical delivery methods -- such as ACA Health Homes -- that aim to lower the costs of health care. More than 35 million Americans are enrolled in Affordable Care Act related coverage, President Joe Biden announced on Aug. 2.

We'll tell you when open enrollment begins for health plans under the Affordable Care Act and how to sign up at HealthCare.gov. For additional reading, here's the best time to start collecting your Social Security benefits.

What health insurance plans are available under the Affordable Care Act?

The state you live in determines which health care providers you can use, assuming you qualify for the Affordable Care Act (see below). For each plan, you should see Bronze, Silver, Gold and Platinum options. Here's a breakdown of how each plan works.

Bronze: You'll pay the lowest monthly premium, but you'll pay more when it comes to paying for care. The Bronze plan deductible is generally much higher than the other options, so you'll pay more out of pocket until your deductible is met.

Silver: This middle-of-the-road coverage comes with a moderate monthly premium. It will cost you more than the Bronze option, but your costs for medical treatment will be less than if you went with the Bronze plan. 

Gold: This plan includes a high monthly premium, and low costs when you need health care. A low deductible means the amount of medical costs you pay out of pocket will be much less than with the Bronze and Silver plans. 

Platinum: The most expensive monthly premium gives you the lowest costs when it comes to medical care. Since the deductible is very low, your plan will start paying your medical costs sooner than any of the other options. 

Deciding which plan to choose depends on your lifestyle, how often you'll need health care and what sort of medical treatment you require. For instance, if you're healthy and only expect to need to use your insurance for emergencies, you might opt for the Bronze or Silver plan. If you are currently receiving treatment or expect to need regular medical attention, the Gold and Platinum options could be the best options for you.

If you are under 30 years old or have an exemption based on inability to afford health insurance, you can qualify for a Catastrophic plan, which has a very low monthly premium and a very high deductible. 

Note that your premium is based on your income, so if you have a lower income, your premium could cost less.

Spending more on a premium plan may actually help you save money in the long run. 

Sarah Tew/CNET

How to find out if you qualify for an Affordable Care Act plan

Before you start thinking about which plan you'll choose, you should first find out if you actually qualify for the Affordable Care Act. Go to healthcare.gov/screener/ and enter your ZIP code. Depending on where you live, you may be redirected to a different website. 

You'll next answer a few questions to see if you qualify for discounted or full-price coverage. Once you get an answer, your next step is to complete an application with either the Health Insurance Marketplace or your state's own marketplace to see plans and prices. 

When can you sign up for a health care plan from the Affordable Care Act?

Open enrollment begins Nov. 1 and continues through Jan. 15. Outside of those dates, you may be eligible for special enrollment. Here's how you may qualify:

You had a life-changing event in the past 60 days: The events include losing health coverage, a change in household income, having a baby, getting married, getting divorced, moving to a new ZIP code or if someone on your Marketplace plan died.

Note that if you moved to a new ZIP code, you must show proof that you had insurance for at least one day during the past 60 days, or that you'll lose coverage in the next 60 days. Also, if you've lost your job and decide not to accept COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage, you can still enroll in a Marketplace plan.

You're applying for Medicaid or the Children's Health Insurance Program (CHIP): If you're applying for either of these programs, you can apply for health insurance via the Marketplace at any time. 

Other life circumstances that could qualify you: 

• You're getting out of prison
• You just became a US citizen
• You're starting or ending service in AmeriCorps 
• You've gained membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder

To see if you qualify for special enrollment, follow the steps above at healthcare.gov/screener/. If you're eligible, your health care plan would begin the first of the month after you enroll. For instance, if you enroll in August, your coverage would begin on Sept. 1. 

A change in household income could qualify you for special enrollment.

James Martin/CNET

How to sign up for an Affordable Care Act health care plan

Once you're ready to sign up -- whether it's between Nov. 1 and Jan. 15 or via special enrollment -- you'll need to create an account on HealthCare.gov or through your state's provider. You'll then complete the application to see plans and pricing and select which option is best for you. 

Things you may need while applying:

• Social Security numbers for everyone on your application
• Employer and income information for everyone in your household
• Current health insurance policy numbers (if applicable)
• Information about health insurance available from your employer
• Immigration documentation

Again, after you're enrolled, your plan should start the first of the month following your enrollment date, assuming that you've paid your first month's premium.

Keep an eye out for your insurance card in the mail after you enroll, as well as any other information about the health care plan you chose.

For more health care information, here's how the lack of COVID funding is impacting Americans without health insurance. Also, here's how to find out if your health insurance covers online therapy and the best telemedicine services for at-home doctor visits.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Best iPhone Deals: Save Up to $800 With Trade-In, Gift Card Deals and More

Best iPhone Deals: Save Up to $800 With Trade-In, Gift Card Deals and More

Apple's iPhones are among the best phones out there but they certainly aren't the cheapest. Some of the top iPhone models go for $1,000 and up. Even at the low end, Apple's entry-level iPhone SE will set you back $429 or more so it's well worth hunting down an iPhone deal to make the cost a little more palatable. 

The iPhone 13 Pro is one of the top phones you can buy right now.

Andrew Hoyle/CNET

Fortunately, we're constantly scouring the web for the best iPhone deals so that you don't have to. We keep tabs on iPhone prices across all of the major retailers and also have our finger on the pulse when it comes to carrier promotions and phone deals during seasonal sales. Below, we've rounded up the best iPhone deals currently available to make things easy for you. 

iPhone 13 deals

The iPhone 13 series is Apple's current flagship line of phones and includes the diminutive iPhone 13 mini, standard iPhone 13, iPhone 13 Pro and top-spec iPhone 13 Pro Max. Being Apple's latest and greatest, these phones don't come cheap though there are plenty of iPhone deals out there to cut their sticker prices down to size. Check out our iPhone 13 and iPhone 13 Pro reviews for everything you need to know on these devices and scroll down for the latest iPhone 13 deals.

Apple is offering up to $600 in credit when you trade in an eligible device. The service is called Apple Trade In and the steps to get it are described on the Apple website. First, you'll answer some questions to get an estimated trade-in value. You can then finance your phone and Apple will apply the value as credit, or you can pay the full amount of the phone and they'll credit your payment method after receiving the old phone. Say you have an iPhone 12 that's in great condition and you get a $600 credit. That makes your new iPhone 13 just $200.

One of the best trade-in options is with AT&T. You can get up to $700 off your new iPhone 13, making it just $99 after trade-in. Eligible items include the iPhone 12, iPhone 11 and iPhone X. You have to pay the remaining balance in installments and it can only be activated with an AT&T monthly plan. This deal is open to both new and existing customers who want to upgrade or add a line.

Verizon is offering up to $800 off iPhone 13 purchases when you trade in your old or damaged device and get a new line. That figure falls to $440 for upgrading existing lines. You have to buy the iPhone 13 with a select 5G Unlimited plan, which can start at $65 a month for a welcome plan and go up to $90 a month for unlimited data and 50GB high-speed mobile hotspot data. Devices eligible for that maximum trade-in value include iPhone X or newer. You can get an extra $200 in credit when you switch from another carrier, or save up to $150 when you also purchase a smartwatch. Save $30 on AirPods, too, with any iPhone purchase at Verizon.

You can save up to $100 when you buy an iPhone 13 at Boost Mobile. Both new and existing customers can capitalize on this deal. The 13 Pro is also $100 off at the carrier. Since Boost Mobile is a prepaid carrier, you have to buy the phone outright; there are no financing options. 

iPhone 12 deals

Though no longer the latest model, Apple still sells the iPhone 12 and reduced is price when the iPhone 13 launched in 2021 making for some stellar iPhone deals. It's a solid upgrade for anyone still using an older iPhone that doesn't want to spend top dollar to have the latest and greatest tech. 

Apple offers as much as $600 off iPhone purchases with trade-in, though the top discounts are for people trading in iPhone 12 series devices which you're unlikely to be doing when buying an iPhone 12. That being said, older models like iPhone 11 Pro Max can still net you up to $400 off and select Android phones are also eligible for trade-in.

Verizon is offering $700 off iPhone 12 with a new line on an unlimited plan meaning you can effectively get the 64GB device for free there without the need to hand over your old phone. There's an additional $200 bonus for switchers, too. If you're upgrading an existing line, you'll get $350 off iPhone 12. 

AT&T is cutting iPhone 12 prices in half and you don't even need to trade in an older device to get in on the savings. The deal requires an eligible installment plan and you'll receive the 50% discount (up to $365) in the form of bill credits applied over 36 months. 

T-Mobile has a few deals on iPhone 12 right now including as much as $800 off when you trade in your old phone and add a new line ($400 for existing customers). Devices eligible for the maximum value include iPhone XR and newer plus a variety of Android phones. Alternatively, you can buy one iPhone 13 or iPhone 12 series device and get up to $700 off a second via 24 monthly bill credits when you activate two or more new lines. If the iPhone 12 mini is what you're after, there's an extra deal on that model dropping it down to just $250 for new customers. 

You can save up to $200 when you buy an iPhone 13 at Boost Mobile. Both new and existing customers can capitalize on this deal. Since Boost Mobile is a prepaid carrier, you have to buy the phone outright; there are no financing options. 

Get your iPhone 12 via Visible, port in your number, and receive $150 back as a gift card to spend wherever Mastercard is accepted. The deal requires you to transfer your number within 30 days and after completing three full months of service payments you'll receive a code to claim your virtual gift card. Go for the iPhone 12 mini and you'll get a $100 gift card.

iPhone SE (2022) deals

The budget option in Apple's lineup, the iPhone SE is targeted squarely at people who want a no-frills iPhone experience. It's the perfect device for anyone who wants to stick with the familiar home button-first experience and the device was updated for 2022 with powerful new internals to ensure the device will be functional for years to come. With a starting price of just $429, you can snag a great iPhone SE deal on one if you know where to look.  

Surprisingly, Best Buy doesn't seem to be carrying any unlocked models of the iPhone SE. But if you're a T-Mobile customer, there is an offer you can take advantage of. Customers who use T-Mobile as their carrier can save up to $215 in monthly bill credits on their new iPhone SE. Just note that you'll have to add a new line of service, and choose the 24-month installment plan to get the discount. T-Mobile customers will also get an extra $100 in savings, on top of the usual value, when they trade in a used device. 

If you prefer to buy your new iPhone right from the source, you can do that with the iPhone SE. Apple has all the carrier models along with the unlocked one. And if you're already an iPhone owner looking to switch to the new SE, Apple is offering up to $600 when you trade-in an iPhone 8 or newer. With a base price of $429, that means that you could theoretically get the new SE totally free. If your trade-in value exceeds the cost of your new phone, you'll receive an Apple Gift Card for the remainder. If your trade-in doesn't cover the full cost, you can pay the remaining cost in full, or or split it into 24 months of interest-free payments when you use an Apple Card during checkout.

There is also an exclusive offer for existing T-Mobile customers, who will receive up to $400 of credit with the trade-in of an iPhone X or newer.

While Verizon deals on upgrading existing lines are pretty slim right now, there is a great offer available if you're looking to add a new line of service. When you buy an iPhone SE on a new line with any unlimited plan, you can save $430, which gets you the 64GB model for free. Just note that the discount will be applied in the form of monthly credits over a three-month period, even if you buy the phone outright. 

Plus, if you're in the market for even more Apple devices, Verizon is offering up to $200 off iPads and $150 off Apple Watches over a period of 36 months with the purchase of a new iPhone SE. This offer is valid for new and existing customers, but you are required to have a data plan for the new device as well as the phone.

New and existing customers on any Sprint or T-Mobile plan are able to save $400 on the iPhone SE when trading in an eligible device. This comes in the form of 24 monthly credits, but you'll only pay $29 (plus tax) for the iPhone SE. And if you're looking to add a new line to your plan, you can save up to $215 on the iPhone SE via 24 monthly credits, no trade-in required.

Buy your iPhone SE (2022) at Visible, port in your number, and receive $200 back as a gift card to spend wherever Mastercard is accepted. The deal requires you to transfer your number within 30 days and after completing three full months of service payments you'll receive a code to claim your virtual gift card. 

Spectrum is another carrier that has the 2022 iPhone SE available for purchase, though the deals are pretty slim. The only offer available is an extra $100 on top of the estimated value of your device with a qualifying trade-in and a new line of service.

Metro has the best prepaid offer of any retailer or carrier out there at the moment. When you purchase an iPhone SE at full retail price and switch your existing number over to Metro's $60-per-month unlimited data plan, you'll get an instant $330 rebate. Meaning you're getting the iPhone SE for a single $100 purchase, rather than discounted via monthly credits. Those who don't have a number to switch over can still save $100 with the activation of a new line on a qualifying Metro plan. If you're looking to purchase your phone outright, this is the best offer you'll find, though you'll have to actually go to the store in person to claim it.

Note: Because Metro is owned by T-Mobile, this offer is not available to those switching their number from an existing T-Mobile plan.

Older iPhone deals

In recent years, Apple has formed a habit of keeping some older iPhone models in the lineup at reduced prices for those that don't want to pay more for newer devices. Because of this, it's possible to find some really competitive iPhone deals on previous-gen models. 

Get your iPhone SE (2020) via Visible, port in your number, and receive $100 back as a gift card to spend wherever Mastercard is accepted. The deal requires you to transfer your number within 30 days and after completing three full months of service payments you'll receive a code to claim your virtual gift card. 

Which iPhone is the best?

While it appears a simple question at first, the best iPhone for you might be different to the best iPhone for someone else. Apple currently sells eight different iPhone models, so choosing the right one for you means assessing your needs and preferences when it comes to things like design, features, cameras and price. 

The current iPhone 13 is our pick as the best iPhone for most people as it balances top-tier features with a relatively affordable price (especially with the above deals). It has a bright and clear OLED display, 5G support, cameras that are more than good enough for day to day use and the A15 Bionic chip powering it is a portable powerhouse. 

Take the step up to the iPhone 13 Pro line and you'll get an additional camera lens for macro photography, an extra GPU core, a high-refresh rate display and a heftier feeling stainless steel construction. It's the best iPhone for those that want the latest and greatest technology from Apple. 

Sarah Tew/CNET

If value is your main decision driver, the iPhone 12 and iPhone 12 mini are still available from Apple and from carriers with some significant markdowns. Just because these are previous-gen devices it doesn't mean they might not be the best iPhone for you with their great displays, cameras and speedy performance making them great value for money. Plus, Apple is great at supporting its older devices with software updates for many years after they are released. 

If you want the most affordable iPhone, you're going to be looking at the iPhone SE (at least when it comes to brand new phones, that is). Updated for 2022, the 3rd generation iPhone SE maintains the overall design of the iPhone 8 which will be familiar to a lot of iPhone buyers. Don't be fooled by its classic appearance, though, as inside it is powered by the beefy A15 Bionic chip found in the current flagship iPhone models. It also offers 5G connectivity and a 12-megapixel camera. For $429, it's a lot of iPhone for not a lot of money. 

What is the cheapest iPhone?

To buy outright in new condition, the iPhone SE is going to offer the cheapest iPhone prices. It starts at $429 contract-free and you can find carrier deals offering iPhone SE deals from as little as $11 per month making it a super affordable choice. 

Apple also still sells the iPhone 11 from $500 meaning you can get a more modern-looking device with an edge-to-edge display and dual camera system for not much more, though it's powered by the slower and older A13 Bionic chip. 

When is the best time to buy an iPhone?

There are a few points in the year that make the most sense to buy an iPhone. The first is when a new model launches, usually in September each year. If you're an early adopter that wants the best device as soon as possible, that's when you'll get it. It's also a great time of year to buy if you're looking for an iPhone deal as prices on older models drop to make room for the new devices. 

Other times of year that make the most sense are during major sale seasons, including annual events like Labor Day sales, Black Friday and Amazon Prime Day. Apple tends not to participate in these events, at least not directly, but you can bet third-party retailers and carriers will be offering some of their best iPhone deals of the year at these times. 

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Make Your Apple Watch Work Better by Changing These Settings

Make Your Apple Watch Work Better by Changing These Settings

Changing a few settings on your Apple Watch can go a long way. Even though the Apple Watch is already easy to use, you'll likely benefit from making certain customizations. For example, you can choose how you'd prefer to activate Siri, make your apps appear in a list view rather than a grid and set Portrait Mode photos from your iPhone as your watch background. 

You'll be able to use these features and settings on any watch model that Apple currently sells, which includes the 4-year-old Series 3 (although we wouldn't recommend buying a Series 3 in 2022). But it's best to make sure that your watch is running the latest version of Apple's WatchOS 8 software. Doing so not only ensures that your watch has access to all of the latest features and improvements, but it's also a good safety measure since updates often include security-related fixes. 

This fall, Apple Watch owners will have more new features to look forward to with the debut of WatchOS 9. The update will bring more detailed sleep monitoring and a new app for tracking medications to the Apple Watch Series 4 and newer. A beta version of WatchOS 9 will be available to the public this month, Apple said when unveiling the new software in June. We're also expecting to see the rumored Apple Watch Series 8 and Apple Watch Pro debut in September, which is when Apple typically introduces new watch models. 

Here's a look at the Apple Watch settings you should change to get the most out of your watch.

Read more: How WatchOS 9 Is Paving the Way for the Apple Watch's Future

Adjust all of your Activity goals

With the release of WatchOS 7 in 2020, Apple added the option to change your goals for the amount of time you stand and exercise. Previously, you could only change your Move (or calories) goal. 

So instead of using the defaults -- 30 minutes of exercise and a cumulative 12 standing hours a day -- you can change either one to fit your actual daily routine. 

This small change will make it possible for you to hit your own targets when you actually start your day, not when Apple tells you to. For example, if you use sleep tracking overnight and need to charge your watch more often in the morning, you won't feel like you've lost an hour of time needed to close those rings.

Open the Activity app on your watch, scroll to the bottom and tap Change Goals. Make your adjustments for all three metrics and start closing those rings. 

Read more: Best Workout Subscription Apps

You now have full control over what it takes to close your activity rings. 

Sarah Tew/CNET

So long, random screenshots

To take a screenshot on the Apple Watch, you press the Digital Crown and side button at the same time. It's a simple and convenient method, unless you're like me and find yourself frequently triggering it accidentally, filling up the Photos app with random pictures of your watch face. 

To turn off the ability to take screenshots altogether, open the Settings app on your watch or use the Watch app on your phone and go to General and scroll down until you find Screenshots. Tap this option and toggle off the switch next to Enable Screenshots for a clutter-free camera roll. 

Customize which apps appear in your dock

If you have a lot of apps installed on your Apple Watch, it can be difficult to find the right ones when you need them. That's where the Apple Watch's dock comes in handy. If you're not familiar, the dock is essentially the iPhone's app switcher, but for the Apple Watch. You can trigger it by tapping the side button, which pulls up a carousel of recently used apps.

However, you can also customize the dock to show any apps you want instead of your most recent apps. To do this on your watch, open the Settings menu, tap Dock and select the Favorites option. But I recommend setting this up in the Phone's Watch app instead so that you can customize these apps.

Open the Watch app on your iPhone and tap Dock. Once the Favorites option is selected, you'll see a list of apps divided into two sections: Favorites and Do Not Include. Favorites are the apps that are currently in your dock, while the latter lists all of the other apps on your watch that aren't included. Tap the Edit button in the top right corner to customize the Favorites list to your liking. 

Choose the Portrait mode photos you want to see on your wrist

You can set Portrait mode photos as the background for your watch face. But first, you have to dig into the settings in the Watch app on your iPhone. To get started, launch the Watch app and navigate to the Face Gallery tab at the bottom of the screen. Then, tap the Portraits option under the New Watch Faces category. Tap the Choose Photos option under Content to select up to 24 photos that will rotate automatically when you raise your wrist or tap the screen. 

Apple's new Portrait watch face lets you set photos taken in Portrait Mode as the watch's backdrop. 

Lisa Eadicicco/CNET

Keep the Apple Watch's screen awake for a longer period of time

There are times when you might not want your Apple Watch's screen to go idle right away. Perhaps you were in the middle of reading a long text message and got distracted, or maybe you want to keep an eye on your timer. Once you tap the Apple Watch's screen, it typically stays active for 15 seconds. But you can extend that to 70 seconds by launching the Settings menu on your watch, tapping Display & Brightness and choosing Wake Duration. Then select the Wake for 70 Seconds option. 

Stop every app from automatically installing

Every time you install an app on your iPhone, it will automatically install its Apple Watch counterpart if there is one. This can clutter up your watch's app grid pretty quickly, making it hard to find the apps you do want to use on your watch. 

The Apple Watch is so much more than a way to view your notifications. 

Vanessa Hand Orellana/CNET

In the Watch app on your phone, go to Settings > General and then slide the switch next to Automatic App Install to the Off position. You can also do this on the watch by opening the Settings menu, tapping App Store and toggling the switch next to Automatic Downloads.

From now on, you'll install individual apps on your watch by opening the Watch app on your phone, then scrolling to the bottom where you'll find a list of available apps. 

Read more:  Best Apple Watch Apps

Silence those noisy notifications

Smartwatches can be useful for discreetly checking an alert or the time. But loud notifications can defeat the purpose. Turn on your Apple Watch's silent mode by swiping up from the bottom of the screen to launch the Control Center. Then tap the icon that looks like abell to trigger Silent Mode. 

You can also do this by opening the Apple Watch's Settings menu, scrolling down to Sound & Haptics and toggling the switch next to Silent Mode. There's also a volume slider for adjusting how loud or quiet incoming notifications sound if you'd rather not mute them completely.

Have Siri only speak out loud when you're wearing headphones

Siri can be useful for quickly setting timers, starting workouts or checking the weather from your watch. But you might not always want to have Siri speak out loud. You can easily change this so that Siri only provides audible feedback when you're wearing headphones. Open the Settings menu on your Apple Watch, scroll down to Siri and navigate to the Voice Feedback section. Then tap the Headphones Only option. When your Bluetooth headphones are connected to your Apple Watch, you should now see the name of your headphones appear above the Siri volume setting in the watch's settings menu. 

Make text easier to read by increasing the font size

Reading notifications and news headlines can be difficult on a screen that's so small. Luckily, you can increase the font size on the Apple Watch to make things a bit easier on your eyes. To do so, launch the Settings app on your watch, tap Display & Brightness and scroll down to Text Size. Rotate the Digital Crown or tap the letters that appear on either side of the meter to adjust the text size on your watch. If you have the Apple Watch Series 7, you'll have more size options for enlarging the text, since it has a bigger display. 

Stop those annoying reminders to "Breathe"

Every few hours your Apple Watch will beep and tap your wrist, reminding you to take a moment to breathe. The first time it happens it's kind of comical; Why do I need a reminder to breathe, wacky watch?! Then it happens again. And again. Every 4 hours by default, for a physiological act that is literally involuntary. 

The Breathe reminder is designed to help you take a few minutes to clear your mind and control your respiration, in turn lowering your heart rate and potentially helping you feel more centered and calm. But if you're like me and never follow the prompt, take a few seconds to turn it off so you no longer have to be reminded to breathe. 

Open the Apple Watch app on your iPhone, then scroll down and tap the Mindfulness app option. Next, select Notifications off. (Note: If your watch isn't running WatchOS 8, this will appear as Breathe instead of Mindfulness.)

Unlock your Apple Watch with your iPhone

Typing in your passcode to unlock your Apple Watch can be a pain, but there's an easier way to do it. You can choose to have your Apple Watch unlock automatically when your iPhone is unlocked.

Tap the Digital Crown and navigate to the Apple Watch's Settings menu. Scroll down to Passcode, and make sure the switch next to Unlock with iPhone is toggled on. Your iPhone will now also display an alert saying that your iPhone is being used to unlock your Apple Watch whenever you put this into practice. 

You usually have to type in your Apple Watch's passcode to unlock it. 

Lisa Eadicicco/CNET

Make it easier to find your apps

The honeycomb app grid looks great in promotional photos and at first glance, but it can be difficult to find the app you want to launch, particularly if you have a lot of apps installed on your watch. Instead of in a grid, the watch can display all of your apps in an alphabetical list. 

Either in the Watch app on your phone or in the Settings app on the Watch, tap App View > List View. Now, when you press the Digital Crown to leave your watch face, you'll see a list of apps that you can quickly scroll through and find what you're looking for. 

See, doesn't the app list look better? 

Sarah Tew/CNET

Control when you'll see Siri

There are three different ways to activate Siri on your Apple Watch. You can raise your wrist toward your mouth and start talking, long-press the Digital Crown or use the wake phrase, "Hey, Siri."

I've found that I often accidentally trigger Siri when trying to check the time or read a notification while I'm talking to someone else (but my watch thinks I'm trying to talk to Siri). It's annoying, but it can be changed. 

Either in the Watch app on your phone or in the Settings app on the Watch, select Siri and there you'll find three buttons to control when you'll see Siri. Slide each button to the Off position for any of the options you don't want to use. 

This is a hidden feature that you should memorize right now. 

Jason Cipriani/CNET

Rearrange Control Center

Just like Control Center on your iPhone, Control Center on the Apple Watch is where you go to quickly adjust settings like do not disturb and airplane mode and to activate the flashlight. 

You may find the default list of options in the Control Center isn't the best fit for how you use your watch, however, and you want to rearrange the list. For me, that means moving the Bedtime toggle from near the bottom of the list to the top. That way when I want to track my sleep over the weekend when I don't have sleep goals set, I can swipe up and tap the icon. 

To access the Control Center on your watch, swipe up from the bottom of the watch face, or when in an app you can long-press on the bottom of the screen until you see Control Center start to slide up, after which you just need to slide your finger up to access it. The same trick works to view your notifications from anywhere. 

Change the order, or hide some buttons in the Control Center by tapping the Edit button at the bottom of the list. The icons will begin to jiggle and show a red minus sign to hide an option. Drag and drop the icons into your preferred order, or tap the red minus button to remove the option altogether. 

When you're done, tap Done or press the Digital Crown on the side of your watch to go back to the watch face. 

There are plenty more Apple Watch features that are worth checking out. For example, the ECG app can help identify heartbeat irregularities, there are new workout options for Pilates and Tai Chi and you can even share your custom watch faces.

For more, check out CNET's list of the best Apple Watch bands and every iPhone setting you should change right now. 

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4 ways to wake up after a bad night's sleep, no coffee required

4 ways to wake up after a bad night's sleep, no coffee required

There's nothing worse than spending the night tossing and turning and missing out on precious sleep. The next worst thing is trying to function the following day without downing a gallon of coffee just to stay awake. And if you do resort to caffeine when you're feeling drained, chances are you'll get a temporary jolt and then crash. Ready to break the cycle?

Caffeine is something that affects everyone differently, but for some people the negative side effects just aren't worth the temporary period you feel more alert and focused. "Caffeine is a stimulant and a stressor on the body. Many people drink coffee for the jolt of adrenaline and cortisol that it provides," says Brigid Titgemeier, a functional medicine registered dietitian.

Read more: The best mattress for 2020: Casper, Purple, Nectar and more

"[Caffeine] can leave you feeling more stimulated and motivated, but also comes with feelings of being wired and tired. For many people, this caffeine high is followed by energy dips or crashes throughout the day," Titgemeier says.

If you're over the caffeine highs and lows and ready to try some more sustainable and healthy ways to feel more awake, keep reading below for Titgemeier's advice for nutrition and other lifestyle tips for more energy.

1. Drink water

I'll bet you've heard about the importance of drinking enough water, but it bears repeating. One of the potentially negative effects of dehydration is fatigue, so if you're already tired, hydration is your friend. At night, you also lose fluids when you're asleep, which can contribute to dehydration when you wake up.

"Dehydration is an extremely common cause of fatigue and cognitive impairment. Research has demonstrated that when you restrict fluids from a person, the most common symptoms include fatigue, increased sleepiness, confusion and decreased alertness," says Titgemeier. "Start your morning with a large glass of water to help support energy and cognition."

Eggs are a nutrient-dense choice to help boost your energy.

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2. Eat healthy foods that support energy

When you're tired or groggy, the last thing you want to do is worry about whipping up a healthy breakfast. But the most convenient foods don't do any favors for our health. One way to help fight grogginess and fatigue is make sure you're fueling your body properly.

Titgemeier recommends focusing on nutrient-dense choices like eggs and smoothies. Both are quite simple to prepare, but will support your body better than a greasy fast food fix. "Egg whites contain protein and water, and the egg yolks are where you get all of the other nutrients such as CoQ10, vitamin E and other B vitamins. CoQ10 is an antioxidant that is essential for energy production, as are the B vitamins," Titgemeier says.

Making your own smoothies at home is relatively simple and inexpensive, and you can customize all of the ingredients to your preferences. "Smoothies are a great way to load up on nutrients and antioxidants in foods like berries, chia seeds and flax seeds that help to create steady energy throughout the entire day. I would specifically recommend adding a leafy green vegetable like spinach for a great source of B vitamins and alpha lipoic acid. Both of these nutrients are very important for energy production," Titgemeier says.

A simple walk can help boost your energy when you feel tired.

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3. Exercise 

While it's not a good idea to exercise while in a sleep deficit, you don't have to remain totally sedentary. In fact, incorporating gentle exercise like walking and stretching can help you feel more alert and refreshed, without taxing your body.

Just go easy on yourself -- pushing your body through a tough workout when you have not slept well is a recipe for burnout and feeling worse. 

4. Take a power nap 

When your body is screaming at you for more sleep, don't fight it. Taking a short power nap can help you feel more refreshed and energized if you do it right. The key to taking a nap and not waking up cranky and more exhausted is to take a shorter nap (about 20 minutes) and be sure to take it earlier in the day, or at least not close to when you normally go to sleep.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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6 Tips to Use if You Want to Fall Asleep Faster

6 Tips to Use if You Want to Fall Asleep Faster

How did you sleep last night? The question typically goes one of two ways -- well enough or terrible. On nights when you can't seem to fall asleep, you'll do just about anything to make it happen. And sometimes, counting sheep doesn't cut it. Use these six tips to fall asleep easier each night. 

1. Use breathing techniques 

Don't worry if you don't fall asleep immediately when you slip between the sheets. For most people, it takes 15 to 20 minutes to fall asleep. Breathing techniques are an effective way to relieve stress and relax. Some methods -- like 4-7-8 breathing -- are specifically designed to help you sleep better. 

There are also guided meditation apps designed to help you sleep. Popular apps like Calm and Headspace have guided meditations that can help you drift off to sleep. Calm has celebrity sleep stories that feature favorites like Harry Styles, Matthew McConaughey and Emma Thompson. 

2. Get out of bed

This one seems counterintuitive, but trust me. If you are awake after 20 minutes of trying to fall asleep, it's best to get out of bed. The last thing you want to do is associate your bed with scrolling through social media or watching TV. You want to save your bed for sleep.

Get out of bed and do something that relaxes you -- maybe that's light yoga or reading a book or listening to music. You want to avoid screens as much as possible. You shouldn't get back in bed until you are tired enough to fall asleep. 

3. Adjust the temperature of your bedroom

Research shows that the best temperature for sleep is between 60 and 67 degrees Fahrenheit. When your room is too warm, it can impact your body's natural thermoregulation process and keep you awake. 

If you are lying in bed and can't seem to fall asleep, check the temperature in your room. Then, don't jump right back in bed after you adjust the temperature. Let the room get cooler before you try to go back to sleep. 

4. Try a white noise machine

If you're easily distracted by sounds -- like road noises or a family member who is still awake, you may want to try a white noise machine. White noise machines help you sleep by replacing intrusive noises with consistent calming ones -- think babbling brooks and rain. You can also opt for true white noise, which encompasses all the frequencies the ear can hear. 

Getty Images/domoyega

5. Be careful with the nighttime snack

When you can't fall asleep and get out of bed, it's easy to wander to the refrigerator and see what's inside. It's better to skip that late-night snack. However, if you need to eat, be careful what you choose. You want to avoid foods that are loaded with sugars or processed carbohydrates. 

Some foods contain melatonin and can help you sleep. These include milk, almonds and kiwis. As a rule, you want foods with slow-digesting proteins, like yogurt and peanut butter, or high-fiber carbs like whole grains, fruits and vegetables.

6. Consider a new mattress

Mattresses don't last forever . Typically, they have a lifespan of about seven to eight years. After that point, they stop giving you the comfort and support you need to get a good night's sleep. If you notice that you aren't getting quality sleep regularly, your mattress might be to blame. 

Key signs you need a new mattress

• You have trouble falling asleep at night.
• Your back hurts when you wake up. 
• If your mattress is sagging or asymmetrical. Look for lumps of impressions of where you sleep. 
• Your mattress is loud -- it groans and pops when you toss and turn. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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9 Tips to Help You Sleep Better While You're on the Road

9 Tips to Help You Sleep Better While You're on the Road

Whether you're going on vacation, a work trip or visiting family for the holidays, all that traveling can take a toll on your sleep... especially if you're crossing time zones. From bumpy plane rides to long car trips and the jet lag that comes with time changes, getting proper sleep while traveling isn't always easy. This is especially true if traveling itself makes you anxious. All of these disruptions can add up to travel fatigue, which can lead you to feel groggy, cranky and exhausted. 

A full night's sleep is a crucial part of maintaining your physical and mental health. It promotes brain functions, repairs muscle tissue and boosts your mood so you can be your best self while you're away. Consider the tips below to help cure poor-sleep woes for your next trip and get better sleep while traveling.

What is travel fatigue?

Travel fatigue is the physical manifestation of travel's grievances. It can happen for instances such as: having anxiety about flying on a plane, stress from planning, long layovers, delayed flights or lack of sleep during travel. And although you're mentally drained, travel fatigue can make it more difficult to get restful sleep. 

Jet lag

Aside from travel fatigue, jet lag during travel can also make it a struggle to achieve quality sleep. Jet lag is a temporary sleeping disorder that develops when you cross time zones, and your body is thrown out of whack from its regular sleep-wake cycle. 

Our body heavily depends on outside factors like sundown, sunrise and eating times to regulate the release of melatonin. As a result, your body has a difficult time readjusting during travel, leaving you feeling tired and having difficulty concentrating. 

How to sleep better during travel 

Combat travel fatigue, jet lag and uncomfortable sleeping circumstances by following these tips. 

Prepare your body for the new schedule

Starting three days before you go, set your bedtime an hour later (depending on the time zone of where you're traveling) each day. This will help your body become accustomed to the new time change that you'll be experiencing in a few days, and allow you to fall asleep at a reasonable time when you're away. 

An exception to this rule: If you expect to be gone across time zones for only two days, stick to your regular sleeping schedule. By the time you adjust to the new time, you'll be getting ready to head back home.  

Do as the locals do

Once you arrive at your destination, try to sync up to their schedule. When people are awake in the morning and out-and-about, you should be, too. When the people around you are gearing up for bed, you should be about ready to hit-the-hay, as well. Unless your stay is two days long, this will help your body readjust even if it means you'll be half-asleep at dinner. 

Pack comfy 

Pack your comfiest clothes for travel and a pillow to sleep with if you can fit it inside your suitcase. Loose-fitting fabrics can help you feel comfortable while you travel long distances, which is key if you're hoping to get some sleep while on the road. 

A pillow can also make it easier to fall asleep. Bring a standard pillow for the back seat of a car or a C-shaped pillow to wrap around your neck while on a plane or train. 

Eat nutritiously and drink water

Staying hydrated and eating well while traveling not only will help you remain fueled up for different stages of travel, but it will also keep you from feeling hungry or thirsty if you want to doze off on the plane or in the car. 

Use light to your advantage

The sun is a signal to our circadian rhythm that it's time to be awake, and the night tells us it's time for sleep. 

If you travel from west to east, the best times of day to get light exposure are the late morning and late afternoon. That way, you stay awake and vigilant during the day, but you give your body the chance to wind down into the nighttime. If you travel from west to east, remain in the sun into the evening to help adjust to the new time.

Avoid alcohol on your first day

Hear me out. As fun as it is to get a drink on the airplane on the way to your destination or at dinner when you arrive, alcohol messes with your sleep-wake cycle. This is something you want to avoid during your first day of getting acclimated to the new time. 

Avoid caffeine and nicotine 

Caffeine and nicotine are stimulants that will make your body feel like it wants to be awake. Caffeine can stay in your system for up to five to six hours, making you feel wired when you should be winding down for bed. Nicotine, on the other hand, causes cravings and has no time limit. That means you can be laying awake in bed feeling tired, but your body stays awake wanting more nicotine.  

If you have to stay awake, keep moving

Like light, body temperature also plays an important role in regulating our sleep-wake cycles. If your body is higher in temperature, it's a signal that it's time to be awake. It's a reason why hot sleepers can have trouble getting quality sleep if they're too warm. By keeping your body in motion and your heart rate up, you can help fight grogginess and fatigue that come with travel. 

Use natural sleep aids 

Melatonin is always an option, but I'm always wary of recommending it, because it can mess with your body's natural production of melatonin. As an alternative, consider using natural sleep aids to help you fall asleep at night like herbal tea or CBD oil.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Home equity line of credit heloc rates for september 2022 holiday home equity line of credit heloc rates for september 2022 movie home equity line of credit how does a home equity line of credit work home equity line of credit home equity loan home equity loan rates wells fargo home equity loan home equity loan requirements

Home Equity Line of Credit: HELOC Rates for September 2022

Home Equity Line of Credit: HELOC Rates for September 2022

A home equity line of credit, or HELOC, is a loan that allows you to borrow against the equity you've built up in your home and functions like a credit card. It provides an open line of credit that you can access for a certain amount of time (usually 10 years). During that time, you're only required to pay back the interest on money you've withdrawn, which means you can borrow a large amount of money for an extended period of time while only making minimum monthly payments.

HELOCs can be a good option because they have lower rates than most credit cards, personal loans, home equity loans and mortgage refinances. But HELOCs are also risky because they're secured loans, which require collateral to obtain financing: Your home serves as the collateral, so if you're unable to pay back the money you've withdrawn, you could lose your house. In addition, HELOCs have variable interest rates that mean your rate can go up or down with the market, so you won't always have a predictable monthly payment.

We'll walk you through how a HELOC works, how to decide if it's the right option for you and how it stacks up against other loan types.

Current HELOC rate trends

Right now, the average interest rate for a HELOC is 6.5%, according to Bankrate, which is owned by the same parent company as CNET. Anything below the average rate is typically considered a good rate for HELOCs. 

Interest rates for HELOCs are variable and largely determined by the benchmark interest rate, which is set by the Federal Reserve. So far this year, the Fed has raised the benchmark interest rate four times and has signaled it will continue raising rates throughout 2022. Interest rates for HELOCs tend to be lower than mortgage rates and other home equity loan rates, which is one of the benefits. They also usually have introductory periods during which they offer an even lower rate for a certain amount of time. 

What is a HELOC?

A HELOC is a home loan that allows you to tap into your home's equity over an extended period of time. You can find out how much equity you have in your home by subtracting your remaining mortgage balance from the house's current market value. So if your house is worth $500,000 and you have $300,000 left to pay off on your mortgage, you would have $200,000 in equity. Typically you can borrow up to 85% of your equity — in this case, that's $170,000.

A HELOC functions as a revolving line of credit that you can continually access. The time period when you can draw money from your line of credit is called the draw period, and it's usually 10 years for HELOCs. This could be a good option if you need access to money, but aren't sure how much you'll need (or when you'll need it). HELOCs also tend to have lower interest rates than other types of home loans or personal loans.

If you need cash for home improvements or to pay higher education costs like tuition, a HELOC can be beneficial because you can repeatedly withdraw money over the course of your loan term. Plus, you only have to pay interest on the money that you withdraw. So, if you're approved for a HELOC of $100,000 and only withdraw $25,000, you'll only pay interest on the $25,000. 

How do HELOCs work?

Since HELOCs work like a line of credit, during the draw period you can take out money as many times as you need via check or a debit card, as long as it's below your total HELOC loan amount. You must also make minimal monthly payments, typically just for the interest that accrues during the draw period. As you repay your HELOC, this money is added back to your revolving balance (so you can continue to withdraw funds).

Once the draw period comes to an end you enter the repayment period, which usually lasts between 10 to 20 years. At this point, you cannot take more money out of your HELOC. Once you're in the repayment period, your monthly payments will go up because you must start paying back the principal (the amount you withdrew) in addition to the accrued interest.

Pros of a HELOC

• Lower interest rates: HELOCs typically have lower interest rates than other home equity loans, personal loans or credit cards. 
• Long draw and repayment periods: Most HELOCs let you withdraw money for as long as 10 years, and then offer an even longer repayment period (usually up to 20 years).
  
• You can take the money in installments: You don't have to use all of the money available at once, and you only have to pay interest on the funds you withdraw.
  

Cons of a HELOC

• You have to use your own home as collateral: If you default on a HELOC or can't make your payments, you could lose your home. When you put a house up as collateral and cannot repay your loan, the bank or lender can foreclose on your home, which means they can take ownership of your house in order to make up for the money they lost. 
• They have variable interest rates: Your initial interest rate may be low, but HELOC rates are variable and not fixed. This means they can fluctuate depending on what's happening with the economy and the benchmark interest rate. This means your monthly payments are not predictable and can fluctuate over the course of the loan. While there are fixed-rate HELOCs, they are less common and are considered a hybrid between a HELOC and a home equity loan.
  
• There may be minimum withdrawal amounts: Some HELOCs have minimal initial withdrawal amounts, which could lead you to taking out more money than planned (and having to pay back more than planned).
  

HELOCs vs. home equity loans

HELOCs and home equity loans both allow you to borrow against the equity you've built up in a home. With both, you take out a second home loan in addition to your mortgage. Your home is also used as collateral to secure either type of loan. A home equity loan, however, offers a lump sum of cash that you pay back in fixed monthly installments. A HELOC, on the other hand, approves you for a set loan amount and then allows you to withdraw only what you need, when you need it.

A HELOC has a variable interest rate, whereas home equity loans are fixed-rate loans. This means, you'll have a more predictable monthly payment with a home equity loan. HELOCs are much more flexible, but your monthly payments can be more unpredictable since your interest rate can fluctuate. With a HELOC, you need to make sure you can afford your monthly interest payments if your rate shoots up.

A HELOC is better if

• You need access to credit for an extended period of time (usually 10 years)
• You need more time to repay the loan amount
  
• You want the flexibility to withdraw your money in installments and not all at once
  

A home equity loan is better if

• You want a fixed interest rate
• You want a predictable monthly repayment schedule
  
• You want one lump sum of cash and know exactly how much money you need

HELOCs vs. cash-out refinances

A cash-out refinance is a different type of loan than a HELOC: You are quite literally cashing out the equity you've built up in your home over the years. It replaces your current mortgage with a new mortgage equal to your home's value, and allows you to cash out the amount you've built in equity. If your home is valued at $300,000 and you still owe $100,000 on a mortgage, the difference of $200,000 is your home equity. Lenders often let you cash out 80% of your equity ($140,000 in this case).

With a HELOC, you're also cashing out your equity, but you are taking out an additional loan alongside your current mortgage. So, you will have to make your monthly mortgage payments in addition to repaying your HELOC each month. With a cash-out refinance, you are only responsible for your mortgage payment every month. However, your mortgage payment will be more expensive because you added more money onto your mortgage when you cashed out your equity.

A cash-out refinance offers you this equity in a lump sum, whereas a HELOC lets you draw on your equity in installments and offers a yearslong line of credit.

A HELOC is better if

• You need access to credit for an extended period of time (usually 10 years)
• You need a longer loan repayment period
  
• You want to the flexibility to withdraw your money in installments
  

A cash-out refinance is better if

• You want to refinance your mortgage to a lower interest rate or shorter term
• You want one one lump sum of cash and know the amount
  
• You want one fixed monthly mortgage payment
  

FAQs

What is a good HELOC rate?

Anything below the average rate is typically considered a good rate for HELOCs. Currently, the average interest rate for a HELOC is 6.5%, according to Bankrate. 

How do I qualify for a HELOC?

To qualify for a HELOC, you must have good credit, at least 15% to 20% equity in your home and a debt-to-income ratio that does not exceed 43%. (Your debt-to-income ratio is your total monthly debts divided by your gross monthly income.) So, if you make $4,000 a month before taxes and pay $1,500 in debts each month, your DTI would equal 37.5%. The lower your DTI, the better your approval chances.

If you have good or excellent credit, you could lock in a lower HELOC rate closer to 3% to 5%. If you have below average credit expect to pay rates closer to 9% to 10%. Lenders usually want to see at least a 620 credit score or higher. You can be denied for a HELOC if you don't have a high enough credit score or income. You can also be denied if you don't have enough equity built up in your home. Most lenders require at least 15% to 20%. 

What can I use a HELOC for?

You can use your line of credit for almost anything, but HELOCs are typically best for people who need access to available credit over a long period of time or who will be making recurring withdrawals. For example, HELOCs are good for home improvement projects that could potentially take years or higher education expenses like tuition.

How do I apply for a HELOC?

You have to be approved for a HELOC by a bank or lender just like with your mortgage. You will need to provide financial documents like pay stubs and information about your home's value, like your loan-to-value ratio. Lenders will also run a credit check before approving you. 

In some cases, you may need to have your home appraised to confirm its current market value. It's important to interview multiple lenders to compare rates and fees in order to find one who will give you the best rates. Some experts recommend starting with the bank or lender that already holds your mortgage, but shopping around can help you compare offers. 

More mortgage tools and resources

You can use CNET's mortgage calculator to help you determine how much house you can afford. The CNET mortgage calculator factors in variables like the size of your down payment, home price and interest rate to help you figure out how large of mortgage you may be able to afford. Using the CNET mortgage calculator can help you understand how much of a difference even a slight increase in rates can make in how much interest you'll pay over the lifetime of your loan.

Compare mortgage rates:

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