ORACLE BEATS NZ TO KEEP CUP

SAN FRANCISCO (AP) -- Skipper Jimmy Spithill and Oracle Team USA won the America's Cup on Wednesday with one of the greatest comebacks in sports history.

Spithill steered Oracle's space-age, 72-foot catamaran to its eighth straight victory, speeding past Dean Barker and Emirates Team New Zealand in the winner-take-all Race 19 on San Francisco Bay to keep the oldest trophy in international sports in the United States.

All but defeated a week ago, the 34-year-old Australian and his international crew twice rallied from seven-point deficits to win 9-8. Owned by software billionaire Larry Ellison, Oracle Team USA was docked two points for illegally modifying boats in warmup regattas and had to win 11 races to keep the Auld Mug.

After almost dunking its chances when it buried its bows in a wave shortly after the start, Oracle's hulking black catamaran - with a big No. 17 on each hull - showed its incredible speed when it reeled in the Kiwis while the boats zigzagged toward the Golden Gate Bridge on the windward third leg.

This was the first time the America's Cup was raced inshore and San Francisco Bay provided a breathtaking racecourse.

The catamarans were the vision of Ellison and his sailing team CEO, Russell Coutts, who is now a five-time America's Cup winner.

OBAMACARE TRADE-OFF: LOW PREMIUM, HIGH DEDUCTIBLE

WASHINGTON (AP) -- You might be pleased with the low monthly premium for one of the new health insurance plans under President Barack Obama's overhaul, but the added expense of copayments and deductibles could burn a hole in your wallet.

An independent analysis released Wednesday, on the heels of an administration report emphasizing affordable premiums, is helping to fill out the bottom line for consumers.

The annual deductible for a mid-range "silver" plan averaged $2,550 in a sample of six states studied by Avalere Health, or more than twice the typical deductible in employer plans. A deductible is the amount consumers must pay each year before their plan starts picking up the bills.

Americans looking for a health plan in new state insurance markets that open next week will face a trade-off familiar to purchasers of automobile coverage: to keep your premiums manageable, you agree to pay a bigger chunk of the repair bill if you get in a crash. Except that unlike an auto accident, serious illness is often not a self-contained event.

Avalere also found that the new plans will require patients to pay a hefty share of the cost - 40 percent on average - for certain pricey drugs, like the newer specialty medications used to treat intractable chronic diseases such as rheumatoid arthritis and multiple sclerosis. On the other hand, preventive care will be free of charge to the patient.

SURVEY: 15 PERCENT OF AMERICANS DON'T GO ONLINE

NEW YORK (AP) -- The Internet has become so entwined in their lives that many Americans might have trouble coping without it. But a new survey found that some 15 percent of Americans - about 1 in 7 - don't use the Internet at all. Most of them prefer it that way.

The study released Wednesday by the Pew Research Center's Internet and American Life Project also found that another 9 percent of U.S. adults only use the Internet when they are not at home. Adults with lower levels of income and education, as well as blacks and Hispanics, are significantly more likely to rely on Internet access outside of their home, in libraries, at work or elsewhere.

Of the people who don't go online, only 8 percent want to. The rest said they are not interested.

Nearly everyone who goes online has broadband access, the report found. Only 3 percent of people who use the Internet do so using a dial-up connection.

Internet use has increased steadily since Pew began doing the survey. In 1995, only 14 percent of Americans said they went online. By 2000, half were online and by 2007, three-quarters.