Personal finance

In this Thursday, Dec. 20, 2018 photo, from left, attorneys David Seligman, Nina DiSalvo and Alexander Hood of Denver's Towards Justice are shown outside the organization's office east of downtown Denver. A deal filed in federal court in Denver Wednesday, Jan. 9, 2019, will allow young people who have provided low-cost child care for American families to share in a $65.5-million class action settlement with the companies that brought the workers to the United States. (AP Photo/David Zalubowski)

People enter New York City Health Hospitals Gouverneur Health building, Tuesday, Jan. 8, 2019, in New York. Mayor Bill de Blasio says New York City will spend up to $100 million per year to expand health care coverage to people without health insurance including immigrants in the U.S. illegally. (AP Photo/Mary Altaffer)

FILE- In this Aug. 19, 2015, file photo the Internal Revenue Service Building in Washington. The prolonged government shutdown couldn’t come at a worse time for the Internal Revenue Service. The tax filing season is opening soon. And for taxpayers, payments for those who owe Uncle Sam likely will still be due April 15, but people due refunds could see a delay if the partial shutdown persists. (AP Photo/Andrew Harnik, File)

FILE- In this Dec. 10, 2018, file photo, a sold sign stands in front of a home in Surfside, Fla. On Thursday, Jan. 3, 2019, Freddie Mac reports on this week’s average U.S. mortgage rates. (AP Photo/Wilfredo Lee, File)

FILE - In this Oct 2, 2018, file photo a for sale sign stands outside a home on the market in the north Denver suburb of Thornton, Colo. U.S. long-term mortgage rates fell this week, offering a slight degree of relief to would-be homebuyers after the stock market has tumbled. Mortgage buyer Freddie Mac says Thursday, Dec. 27, the average rate on the benchmark 30-year, fixed-rate mortgage dipped to 4.55 percent from to 4.62 percent last week. (AP Photo/David Zalubowski, File)

In this Thursday, Dec. 20, 2018 photo, Reagen Adair holds on to a RIP Medical Debt yellow envelope as she poses for a photo at her home in Murchison, Texas. The co-founders of RIP Medical Debt buy millions of dollars in past-due medical debt for pennies on the dollar. But instead of hounding people to pay, they send letters saying the debt is erased, no strings attached. (AP Photo/Tony Gutierrez)

FILE - This April 2017 file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File)

Allyson Schwartz, president of Better Medicare Alliance, speaks during an Interview with the Associated Press in Washington, Wednesday, Dec. 12, 2018. The group, gaining influence in Washington as a champion for Medicare beneficiaries, is bankrolled by major health insurance companies that are trying to cash in on private coverage offered through the federal health insurance program.(AP Photo/Carolyn Kaster)

FILE - In this Aug. 30, 2018 file photo, a sale signs stand outside a home on the market in Denver. U.S. long-term mortgage rates slipped this week, reflecting the stock market decline and rush by investors to Treasury notes. Mortgage buyer Freddie Mac said Thursday, Dec. 20, that the average rate on the benchmark 30-year, fixed-rate mortgage fell slightly to 4.62 percent from to 4.63 percent last week.(AP Photo/David Zalubowski, File )

FILE - In this Nov. 7, 2018, file photo, a construction crane is perched on the site of Court Square City View Tower adjacent to the Court Square Number 7 subway station in Long Island City in the Queens borough of New York. U.S. developers broke ground on more homes for November, but the increase occurred entirely in apartments. The construction of new single-family houses fell. (AP Photo/Mark Lennihan, File)