Your Money: “Your surgery isn’t covered.”
Have you had any recent experience with a health insurance company telling you that a procedure would not be covered — but not telling you until the procedure was imminent?
Your Money
July 14, 2025

Hi everyone —

A quick ask as you go about your week: Have you had any recent experience with a health insurance company telling you that a procedure would not be covered — but not telling you until the procedure was imminent? (We’re talking about private health insurance here, not Medicare or Medicaid.)

We’re doing some reporting around this specific situation, where you don’t find out until a day or so before the scheduled surgery or procedure. If this has happened to you, please drop us a note at yourmoney_newsletter@nytimes.com and tell us about it.

Thank you.

An illustration shows three grain silos with various amounts of grain. A man fills a wheelbarrow with grain from the middle silo.

retiring

You Saved and Saved for Retirement. Now You Need a Plan to Cash Out.

Most people enter retirement without any idea how to manage withdrawing their savings without running out of money. Here is what you need to know.

By Brian J. O’Connor

How a Reddit Rallying Cry Helped Amateur Traders Win in the Market

Individual investors were the ones who piled into stocks when they plunged in early April, while big Wall Street institutions missed out on the gains.

By Joe Rennison and Kailyn Rhone

A colorful illustration of a glass office, with one person hiding under a desk and another looking up from her computer as a giant robot looks in from the outside.

Which Workers Will A.I. Hurt Most: The Young or the Experienced?

Amid layoffs at Microsoft and other large tech companies, experts are debating whose jobs are most likely to be spared.

By Noam Scheiber

Jennifer Dunn, in a white shirt with blue stripes and jeans, stands in the doorway of a stone building.

Welcome to Your Job Interview. Your Interviewer Is A.I.

You thought artificial intelligence was coming for your job? First, it’s coming for your job interviewer.

By Natallie Rocha

An illustration of three people, all reaching out to images of graduation caps and gowns.

your money

Parents and Graduate Students Have New Loan Limits. Who Will Fill the Gap?

The federal cap on the amounts people can borrow means some of them will fall short. That’s especially true for students in professional schools.

By Ron Lieber

An illustration shows a baby mobile with coins and bills dangling from it.

your money adviser

How the $1,000 ‘Trump Accounts’ for Newborns Will Work

The payments, part of the new domestic policy law, are for U.S. citizens born this year through 2028. The idea is that the money in the accounts will have many years to grow.

By Ann Carrns

Students with backpacks walk along a tree-lined path on a university campus, a large stone building in the background.

8 Million Federal Student Loan Borrowers Will Soon See Interest Restart

It will kick back in on Aug. 1 for people in the SAVE repayment program, whose payments have been on hold since last summer.

By Tara Siegel Bernard

A photo of President Trump looking off to the side.

It’s No Bluff: The Tariff Rate Is Soaring Under Trump

The president has earned a reputation for bluffing on tariffs. But he has steadily and dramatically raised U.S. tariffs, transforming global trade.

By Ana Swanson

A pitcher of milk is being poured into a cup of coffee.

Tariffs on Brazil Could Leave Coffee Drinkers With a Headache

Trump’s pledge to place a 50 percent tariff on all imports from the South American nation will drive up the prices of coffee — and orange juice.

By Emmett Lindner, Julie Creswell and Kevin Draper

Ferrero to Buy WK Kellogg in Candy-Meets-Cereal Deal

The $3.1 billion acquisition would combine Ferrero, which makes Tic Tacs and Nutella, with the producer of Frosted Flakes and Froot Loops.

By Julie Creswell and Danielle Kaye

A close-up view of colorful M&M’s packed into a tube.

Kennedy’s Battle Against Food Dyes Hits a Roadblock: M&M’s

The health secretary has used peer pressure to persuade food makers to nix synthetic dyes. The candy industry is holding out, arguing American consumers like bright sweets.

By Sheryl Gay Stolberg and Julie Creswell

Grain silos reflected in a car's side mirror next to a green wheat field.

From Food Aid to Dog Chow? How Trump’s Cuts Hurt Kansas Farmers.

Kansans created Food for Peace, for 70 years a font of rural income and pride. Now at least one grain broker is trying to sell grain that once fed the world as dog food.

By Elizabeth Williamson and Gabriela Bhaskar

E.U., Mexico, Brazil: Who Has Trump Targeted With New Tariffs?

President Trump has told more than two dozen countries that they will face tariffs of at least 20 percent on Aug. 1 if they don’t reach agreements by then.

By Christine Zhang and Tony Romm

A building shaped like a big picnic basket -- its exterior design mimics a woven basket, and two "handles" curve above the roof -- stands on manicured grounds beneath a blue sky scattered with clouds.

Driving Cross Country? Here Are the Apps You Want Riding Shotgun

On a road trip from New York to Los Angeles (and back), a writer found digital tools that helped her navigate and find a cornucopia of “weird attractions.”

By Jennifer A. Kingson

A line of people waiting to go through the scanner at an airport security checkpoint. Some of them are wearing sneakers, and others are wearing flip-flops.

T.S.A. Officially Tells Fliers They Can Keep Their Shoes On

Pointing to “layered screening,” Kristi Noem, the homeland security secretary, ended two decades of socks and bare feet at U.S. airport checkpoints.

By Christine Chung

A white Jeep S.U.V. parked in a black and yellow scanner shaped like an upside-down U. The words “Hertz” and “UVeye” are painted on the side of the scanner.

A.I. Is Making Sure You Pay for That Ding on Your Rental Car

Hertz and other agencies are increasingly relying on scanners that use high-res imaging and A.I. to flag even tiny blemishes, and customers aren’t happy.

By Gabe Castro-Root

The underside of a Delta airliner, seen from the ground, set against a mostly blue sky with wispy clouds.

Delta’s Stock Soars 12% on Signs of ‘Stabilized’ Travel Demand

The airline reported better earnings than expected for its latest quarter, and restored its forecast for the rest of the year.

By Niraj Chokshi

The Streaming Wars Come Down to 2: YouTube vs. Netflix

The two giant video companies have far different strategies, but the same goal: controlling your TV set.

By John Koblin

How are we doing?
We’d love your feedback on this newsletter. Please email thoughts and suggestions to yourmoney_newsletter@nytimes.com.

Like this email?
Forward it to your friends, and let them know they can sign up Your Money.