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Businesses still struggling after Ellicott City flood

Gay couple’s store faces $500,000 in losses

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Ellicott City, gay news, Washington Blade

Sam Coyne helping other shops clean up before he can access his own. (Photo by Sally Fox Tennant)

Sam Coyne and his husband Josh Haupt were heading to their nearby home just as record-breaking rains began to deluge Ellicott City’s historic Main Street on July 30. Coyne, the owner of Craig Coyne Jewelers, was notified by his alarm company that his store had been flooded.  The business, which he started nearly 17 years ago in Ellicott City, was moved to a new location in 2014 at 8133 Main St. in a renovated historic stone building with Wedgwood blue doors, trimming and flower pots on the exterior.

The couple, who were married last fall in Ellicott City, immediately turned back and ran down to help people. “There was screaming and sparks, the smell of gas and refuse,” Coyne told the Blade. “We were able to help three women, three dogs and a cat, which we feel really good about.”

Only recently was Coyne permitted to return to the store and assess the damage. Before that, his access was limited.

“Our building is one of the original stone structures in town and while tiny, it is made of granite mined in the hills of the town we call home,” he says. “A small wooden addition and a small deck on the backside we think cannot be salvaged. All showcases, glass, windows, doors, flooring and ceiling are in need of extensive repair or replacement.”

Customer jewelry had been secured in a 3,000-pound vault that is now standing upright on a layer of mud. The jewelry contained in showcases is a different matter.

Recently, Coyne was able to retrieve security footage from his store that dramatically reveals the onset of the flooding and the interior damage that resulted. The video was shown on WBAL-TV.

Last Tuesday, Coyne and Haupt, who is also his business partner, met with the insurance inspector and structural engineer. “The building’s foundation is not damaged,” Coyne says. “The entire first level will be gutted including the floor rafters, flooring, walls and ceiling.”

Howard County government is not allowing any private companies to do work until about Sept. 16. Public Utilities are shoring up everything first. Work at individual properties cannot begin until after the street is opened, according to Coyne.

They are taking a direct financial hit from this flood. “Our secondary insurance coverage is not paying, saying, ‘The first occurrence must be an insurable event before secondary coverage begins.’ So all the jewelry that washed away, the display, glass, lighting, showcases, gem equipment, computers, security system, vault, jeweler’s tools, etc. come with a direct cost to us.  We are approaching $500,000 in loss. Our big question, raise the money to rebuild or raise the money to move on.”

To help pay for Coyne’s losses, Lori Gadola of Kelim Jewelry, launched a GoFundMe page.

“We are now questioning the economic viability of Historic Ellicott City,” Coyne muses.  “Without any answers we are unable to move forward so we continue to pay all our expenses hoping to survive until the town can be rebuilt.”

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Rehoboth Beach

Women’s FEST returns to Rehoboth Beach next week

Golf tournament, mini-concerts, meetups planned for silver anniversary festival

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(Washington Blade file photo by Daniel Truitt)

Women’s+ FEST 2026 will begin on Thursday, April 9 at CAMP Rehoboth Community Center.

The festival will celebrate a remarkable milestone in 2026: its silver anniversary. For 25 years, Women’s+ FEST has brought fun and entertainment for all those on the spectrum of the feminine spirit. There will be a variety of events including a golf tournament, mini-concerts and happy hour meetups.

For more information, visit Camp Rehoboth’s website.

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District of Columbia

How new barriers to health care coverage are hitting D.C.

Federally qualified health centers bracing for influx of newly uninsured patients

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Erin Loubier, vice president for access and strategic initiatives at Whitman-Walker Health. (Courtesy photo)

Washington, D.C. has the second-lowest rate of people who lack health insurance in the country, but many residents are facing new barriers to health care due to provisions of the sweeping federal law passed in July, which threatens access for thousands. 

Changes to insurance eligibility and the rising cost of premiums, which kicked in for some in October and others more recently, are expected to leave many more patients uninsured or unable to afford medical care. Federally qualified health centers, including D.C.’s Whitman-Walker Health, where 10 to 12 percent of patients are uninsured, are bracing for an influx of newly uninsured patients while facing their own financial challenges. 

Even in D.C., where uninsured rates have been among the lowest in the country, changes brought on by the passage of the Republican mega bill (known as the “Big Beautiful Bill”) will have major effects. 

The changes from the bill affect Medicaid, which is free to low-income patients, and subsidies for insurance that people buy on the health insurance exchanges that were started under the Affordable Care Act, which were allowed to expire on Dec. 31. 

Erin Loubier, vice president for access and strategic initiatives at Whitman-Walker Health, says some Whitman-Walker Health patients have received notices about premium increases, including several who say the increases are up to 1,000 percent more than they were paying. 

“That is like paying rent,” she says. “We live in an expensive city, so any increases are going to be really, really hard on people.”

Whitman-Walker Health and other healthcare providers are expecting the changes to have multiple effects — some patients may not be able to afford coverage or may avoid going to the doctor and allow health conditions to worsen because they can’t afford care, and many more will be seeking care who don’t have insurance. 

“I’m worried that we’re going to not just have people who can’t get care, but that they delay care until they’re really sick, and then the care is not as effective because they might have waited too long, and then we may have a less healthy population,” Loubier says.

Loubier says delaying care, and serving more people without insurance has major implications for Whitman-Walker Health and other health centers serving the community.

“There’s going to be a lot of pressure on us to try to find and raise more money, and that’s going to be harder, because I think all organizations who provide health care are going to be facing this,” she says. 

The U.S. health care system is the most expensive in the world, and has much higher out-of-pocket costs for individuals. But in other countries like the United Kingdom, Australia, Canada, and many others, health care is much less expensive — or even free.

Even though the U.S. has a high-priced healthcare system, critics say there are still ways to bring down costs by forcing insurance and pharmaceutical companies to absorb more of the costs, rather than transferring the costs to patients.

“In the U.S., they end up trying to cut costs at the person’s level, not at the level of the different corporations or structures that are making a lot of money in healthcare,” said Loubier. “Our system is so complicated and there is probably waste in it, but I don’t think that that cost and waste is at the ‘people’ level. I think it’s higher up at the system level, but that is much, much harder to get people to try to make cuts at that end.”

Ultimately at Whitman-Walker Health, healthcare providers and insurance navigators are planning to help with everyday necessities when it comes to healthcare coverage and striving to provide healthcare in partnership with patients, said Loubier.

“The key here is we’re going to have a lot of people who may lose insurance, and they’re going to rely on places like Whitman-Walker Health and other community health centers, so we have to figure out how we keep providing that care,” she said. 

(This article was written by a student in the journalism program at Bard High School Early College DC. This work is part of a partnership between the Washington Blade Foundation and Youthcast Media Group, funded through the FY26 Community Development Grant from the Office of D.C. Mayor Muriel Bowser.)

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District of Columbia

Mayor Bowser signs bill requiring insurers to cover PrEP

‘This is a win in the fight against HIV/AIDS’

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D.C. Mayor Muriel Bowser (Washington Blade file photo by Michael Key)

D.C. Mayor Muriel Bowser on March 20 signed a bill approved by the D.C. Council that requires health insurance companies to cover the costs of HIV prevention or PrEP drugs for D.C. residents at risk for HIV infection.

Like all legislation approved by the Council and signed by the mayor, the bill, called the PrEP D.C. Amendment Act, was sent to Capitol Hill for a required 30-day congressional review period before it takes effect as D.C. law.

Gay D.C. Council member Zachary Parker (D-Ward 5) last year introduced the bill.

Insurance coverage for PrEP drugs has been provided through coverage standards included in the Affordable Care Act, known as Obamacare. But AIDS advocacy organizations have called on states and D.C. to pass their own legislation requiring insurance coverage of PrEP as a safeguard in case federal policies are weakened or removed by the Trump administration, which has already reduced federal funding for HIV/AIDS-related programs.

Like legislation passed by other states, the PrEP D.C. Amendment Act requires insurers to cover all PrEP drugs approved by the U.S. Food and Drug Administration.

Studies have shown that PrEP drugs, which can be taken as pills or by injection just twice a year, are highly effective in preventing HIV infection.

“I think this is a win for our community,” Parker said after the D.C. Council voted unanimously to approve the bill on its first vote on the measure in February. “And this is a win in the fight against HIV/AIDS.”  

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