Current Events in August 2023

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    Two Honda models recognized for improved safety

    The Honda Pilot won IIHS’s 2023 Top Safety Pick+

    The Honda Pilot has driven off with the Insurance Institute for Highway Safety’s (IIHS) Top Safety Pick+, the organization’s highest safety award. The SUV earned the title thanks to improved performance in the passenger-side small overlap front crash test.

    That test counts for a lot in IIHS ratings. To be a Top Safety Pick+, a vehicle has to achieve a “good” rating in the driver-side small overlap front, passenger-side small overlap front, updated side and original moderate overlap front tests. 

    Headlights also count for a lot. A vehicle must have headlights rated “good” or “acceptable across all trim levels.

    Redesigned for the 2023 model year, IIHS said the Pilot meets all the requirements for the “plus,” with a standard front crash prevention system that earns superior ratings in both the daytime and nighttime evaluations and good-rated headlights supplied on all trims.

    The Accord also showed improvement

    Another Honda model, the Accord, also won praise from IIHS for its performance in the updated moderate overlap front crash test. The midsize sedan earned a rare “good” rating in the new, challenging evaluation focused on rear-seat protection.

    The other six midsize cars in the test didn’t perform as well as the Accord. However, the Subaru Outback earned an “acceptable” rating. The Nissan Altima and Toyota Camry were rated marginal. The Hyundai Sonata, Kia K5 and Volkswagen Jetta were rated as “poor.”

    “In most of the midsize cars we tested, the rear dummy slid forward, or ‘submarined,’ beneath the lap belt, causing it to ride up from the pelvis onto the abdomen and increasing the risk of internal injuries,” IIHS President David Harkey said. “In the three poor-rated vehicles, measurements taken from the rear dummy also indicated likely injuries to the head or neck as well as to the chest.”

    For a vehicle to earn a good rating, there must be reduced injury risk to the head, neck, chest or thigh, using a second-row dummy to measure impact. The dummy should remain correctly positioned during the crash without submarining. 

    In a crash, the head should also remain a safe distance from the front seatback and the rest of the vehicle interior and the shoulder belt must remain on the shoulder. A pressure sensor on the rear dummy’s torso is used to check the shoulder belt position during the crash.

    The Honda Pilot has driven off with the Insurance Institute for Highway Safety’s (IIHS) Top Safety Pick+, the organization’s highest safety award. The SUV...

    Some student loans are being forgiven. Is yours?

    The Biden administration has begun discharging about 800,000 loans

    You’ve probably heard that the Biden administration’s sweeping plan to forgive a portion of government student loans was blocked by the Supreme Court. But it turns out some of the loans will be forgiven.

    This week the U.S. Department of Education began the process of discharging 804,000 student loans that meet certain criteria. To qualify, the borrower must have been enrolled in the Department of Education’s income-driven repayment (IDR) plan and have been making payments for at least 20 years.

    The White House announced the forgiveness plan in July after the high court ruled the administration’s unilateral move to forgive debt without consulting Congress was unconstitutional.

    Under the plan announced last month, the government will write off approximately $39 billion in student loan debt.

    “I have long said that college should be a ticket to the middle class – not a burden that weighs down on families for decades,” Biden said as he announced the plan.

    Who qualifies?

    Borrowers will qualify for forgiveness if they have made payments for 20 or 25 years depending on when a borrower first took out the loans, the type of loan they have, and the income-driven repayment plan they are on.

    Eligible borrowers should have received notification of their loan forgiveness by mail. Government officials will not call borrowers, so if someone calls and claims to be able to help you with your loan, it’s a scam.

    The Department of Education said qualifiers include people with Direct Loans or Federal Family Education Loans held by the department, including Parent PLUS loans of either type, who have reached the necessary forgiveness threshold as a result of receiving credit toward IDR forgiveness.

    Everyone else with a student loan must resume payments by October.

    You’ve probably heard that the Biden administration’s sweeping plan to forgive a portion of government student loans was blocked by the Supreme Court. But...

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      Dunkin’ introduces ‘spiked’ coffee and tea beverages

      The coffee and tea beverages will come in four flavors

      Dunkin’ is entering the ready-to-drink alcoholic beverage market, announcing the release of Dunkin Spiked coffee and tea beverages. The drinks will be available at supermarkets and package stores in 12 states by the end of August.

      Dunkin’ Spiked Iced Coffee has an alcohol by volume (ABV) of 6% and draws inspiration from the brand’s iconic coffee flavors. Dunkin’ Spiked Iced Tea, the brand’s first venture into the hard tea category, has an ABV of 5% and offers four signature flavors.

      “We knew we had the opportunity to create something special when we saw the positive response to our previous seasonal collaborations for Dunkin’-inspired beers,” said Brian Gilbert, vice president of Retail Business Development at Dunkin’. “The growing appetite for adult beverages inspired us to put a twist on our customers’ favorite Dunkin’ Iced Coffee, Iced Tea and Refresher flavors.”  

      Four varieties

      The four Dunkin’ Spiked Iced Coffees varieties include:  

      • Dunkin’ Spiked Original Iced Coffee

      • Dunkin’ Spiked Caramel Iced Coffee

      • Dunkin’ Spiked Mocha Iced Coffee 

      • Dunkin’ Spiked Vanilla Iced Coffee 

      They will be available as a 12-can mix pack, with three 12 oz. cans of each flavor; a four-pack of 12 oz. Original Spiked Iced Coffee cans; and single 19.2 oz. Original Spiked Iced Coffee cans.

      The four Dunkin’ Spiked Iced Teas varieties include:

      • Dunkin’ Spiked Slightly Sweet Iced Tea 

      • Dunkin’ Spiked Half & Half Iced Tea

      • Dunkin’ Spiked Strawberry Dragonfruit Iced Tea Refresher

      • Dunkin’ Spiked Mango Pineapple Iced Tea Refresher

      The products can be purchased as a 12-can mix pack; a six-pack of 12 oz. Slightly Sweet Spiked Iced Tea cans; and a single 19.2 oz. Slightly Sweet Spiked Iced Tea cans.

      Sales will be limited to retailers across Connecticut, Delaware, Florida, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Texas and Vermont.

      Dunkin’ is entering the ready-to-drink alcoholic beverage market, announcing the release of Dunkin Spiked coffee and tea beverages. The drinks will be avai...

      Gas prices remain at a 2023 high

      The national average price appears headed to $4 a gallon

      Motorists are beginning to feel that familiar pain at the pump again. It may not be as bad as early 2022 but the average price of regular gas appears headed toward $4 a gallon.

      Currently, AAA reports the national average price of regular is $3.86 a gallon, about three cents more than seven days ago but nearly 30 cents higher than a month ago. The average price of premium gas is $4.60 a gallon while the average price of diesel fuel is $4.31 a gallon.

      “We appear to be at a fork in the road when it comes to which direction gas prices will take – up or down,” said Andrew Gross, AAA’s spokesperson.

      “The summer heat that kept people home and suppressed refinery production has eased for now, so we have to look at the cost of oil to determine if the recent price climb is ending. More expensive oil will likely lead to higher prices, so stay tuned.” 

      Patrick DeHaan, head of Petroleum Analysis at GasBuddy, said on Twitter that at this rate, prices could soon exceed the year-ago price of $3.95 a gallon. He adds that the weather in the Gulf of Mexico has been calm so far this summer, benefiting refinery operations, but that could change.

      In addition to weather, demand could also raise gas prices if consumers drive more heading into fall. Government sources report gasoline demand is rising while total gasoline supplies are falling.

      As a result, several states have already exceeded $4 a gallon for regular while California and Washington state already have average prices over $5 a gallon.

      Here are the states with the most expensive regular gasoline:

      • California     $5.16
      • Washington  $5.03
      • Hawaii         $4.78
      • Oregon         $4.69
      • Alaska          $4.49

      Here are the states with the cheapest regular gasoline:

      • Mississippi    $3.32
      • Louisiana      $3.43
      • Tennessee    $3.43
      • Texas            $3.45
      • Arkansas      $3.48

      Motorists are beginning to feel that familiar pain at the pump again. It may not be as bad as early 2022 but the average price of regular gas appears heade...

      Restwell Mattress recalls Room & Board Crib Mattresses

      The mattress poses a suffocation hazard for infants

      Restwell Mattress of Eden Prairie, Minn., has announced a recall of 100 units of the company’s Room & Board Natural Organic Latex and Latex and Spring Crib Mattresses. 

      The Consumer Product Safety Commission (CPSC) says the recalled crib mattresses fail to comply with multiple provisions of the Federal Safety Standard for Crib Mattresses, including the firmness test and missing warnings and labels. 

      The agency also says the product poses a suffocation hazard to infants. The crib mattresses are 52 inches long and 28 inches wide, and have a white top and gray sides with “Room & Board” embroidered on one end with the model name underneath.

      The mattresses were sold at Room & Board stores nationwide and online at www.roomandboard.com from August 15, 2022, through June 2023 for between $350 and $450.

      What to do

      Consumers should immediately stop using the crib mattresses and contact Room & Board to receive a full refund. Restwell Mattress Co. and Room & Board are contacting all purchasers directly and will arrange for pick up at no charge.

      Consumers may contact Room & Board toll-free at 800-301-9720 from 8 a.m. to 7 p.m. CT Monday through Friday or 10 a.m. to 5 p.m. CT Saturday through Sunday, or by emailing shop@roomandboard.com, or online at www.restwellmattress.com/recall or www.restwellmattress.com and click on “Product Recalls” at the top of the page for more information.  Consumers may also get more information at www.roomandboard.com/product-recalls or www.roomandboard.com and click on "Product Recalls" at the bottom of the page for more information.

      The recall number is 23-781.

      Restwell Mattress of Eden Prairie, Minn., has announced a recall of 100 units of the company’s Room & Board Natural Organic Latex and Latex and Spring Crib...

      Google’s getting closer to deleting inactive accounts

      The company has seven things someone can do to keep their account alive

      If you’re sitting on an inactive Gmail or other Google-driven account like Docs or Google Drive, you need to know that the company is getting closer to deleting those accounts. Any account that has been inactive for two years will be eligible for deletion beginning December 1, 2023.

      Given that Google has allowed people to have all the accounts they want, some may have gone overboard and have more than they really need, so the move is a reasonable purge. It also cuts down on the number of accounts Google has to police and protect.

      “Every day Google works hard to keep you and your private information safe and secure by preventing unauthorized access to your Google Account with our built-in security protections,” the company wrote to account holders with potentially dormant accounts in an email. 

      “And keeping you safe means having strong privacy practices across our products that minimize how long we store your personal files and any data associated with them. We want to protect your private information and prevent any unauthorized access to your account even if you’re no longer using our services.”

      What this means for a Google account holder

      If you have used a Google account in the last two years, you can breathe easy. If the company has ID’ed an account that it thinks has been mothballed and left unused, it will send several emails to both the Gmail address of the account in question and the user’s main account (the “recovery” email address) just to make sure the user knows what’s on the front burner.

       If that account is deleted, the Gmail address for the deleted account is gone forever and cannot be used again when creating a new Google Account.

      How to keep your account active?

      “The simplest way to keep a Google Account active is to sign in to the account at least once every two years,” the company reminded inactive account users. 

      “If you have signed in to your Google Account recently in the past two years, your account is considered active and will not be deleted.”

      There are seven other ways that users can keep any Google account alive:

      • Reading or sending an email
      • Using Google Drive
      • Watching a YouTube video
      • Sharing a photo (Google Photos)
      • Downloading a Google app
      • Using Google Search
      • Using sign in with Google to sign in to a third-party app or service

      There are some exceptions to this policy, such as a Google Account that has YouTube channels, videos or comments or an account that has a gift card with a monetary balance. Other exceptions to this policy are available here.

      Google’s willing to help

      Google’s not going to leave anyone out in the cold and says it’s offering tools to help manage your Google Account and provide options to back up your data, including the ability to download your data using Google Takeout. It would also be wise to confirm that your recovery email is up to date.

      If you’re sitting on an inactive Gmail or other Google-driven account like Docs or Google Drive, you need to know that the company is getting closer to del...

      Want to live longer? Just 4,000 steps a day may be all you need

      Staying active can help reduce the risk of death from any cause

      For years, many of us have been living by the long-held belief that our daily step count should reach or exceed 10,000. However, researchers from the European Society of Cardiology have found this may not be necessary to reap health benefits. 

      According to their findings, walking and staying active is crucial to living longer and lowering the risk of death, but keeping your daily step count to around 4,000 per day can yield those benefits.

      While exceeding that number is associated with greater health outcomes, the study showed that staying around 4,000 steps per day was linked with a lower risk of death from any cause. 

      “Our study confirms that the more you walk, the better,” said lead researcher Maciej Banach. “We found that this applied to both men and women, irrespective of age, and irrespective of whether you live in a temperate, subtropical, or subpolar region of the world, or a region with a mixture of climates. 

      “In addition, our analysis indicates that as little as 4,000 steps a day are needed to significantly reduce deaths from any cause, and even fewer to reduce deaths from cardiovascular disease.” 

      Walking for longer life 

      For the study, the researchers analyzed 17 earlier studies that included data on roughly 227,000 people. The team was most curious to understand how daily step count affected the participants’ risk of death from any cause, as well as the risk of death from cardiovascular disease. 

      Their work revealed that walking is beneficial to consumers’ health and wellness, but the number of steps to take daily to retain the most health benefits may not need to be as high as many have believed. 

      The study found that taking at least 2,337 steps per day reduced the risk of death from cardiovascular disease, while taking at least 3,867 steps per day reduced the risk of death from any cause. 

      However, the more steps taken above those figures, the better the health outcomes. Taking 1,000 more steps than those recommended numbers was linked with a 15% lower risk of dying from any cause while taking an additional 500 steps daily lowered the risk of cardiovascular-related death by 7%.

      These benefits continued to increase the more that the participants walked – even with as many as 20,000 steps a day. 

      Younger adults have a slight advantage

      The average age of the participants in the study was 64, and the researchers found that age might play a role when it comes to walking and health outcomes. 

      Adults under the age of 60 had a nearly 50% lower risk of death when they took between 7,000 and 13,000 steps daily. Comparatively, adults over the age of 60 had a 42% lower risk of death when they took between 6,000 and 10,000 steps daily. 

      Overall, the researchers hope that both consumers and medical professionals look to the benefits of daily exercise when thinking about improving health outcomes. 

      “In a world where we have more advanced drugs to target specific conditions such as cardiovascular disease, I believe we should always emphasize that lifestyle changes, including diet and exercise, which was a main hero of our analysis, might be at least as, or even more effective in reducing cardiovascular risk and prolonging lives,” Banach said. 

      For years, many of us have been living by the long-held belief that our daily step count should reach or exceed 10,000. However, researchers from the Europ...

      Mortgage rates are rising again

      For buyers, affordability is a growing problem

      A lot of considerations go into buying a home but the cost of financing is a big one, especially if the home is $400,000 to $500,000 or more. With current interest rates, it’s hard to keep the monthly payment within 30% of gross income.

      Last week mortgage rates ticked higher, getting closer to 7%. Freddie Mac reported the average 30-year fixed-rate mortgage rate increased to 6.96%. That’s 1.74% higher than a year ago.

      Analysts say the increase is the product of a resilient economy with low unemployment and strong wage growth, which historically has kept purchase demand solid.

      But if you are a potential buyer, all is not lost. Despite higher interest rates, a monthly payment doesn’t have to be that much higher if you can get the home at a reduced price. And even with reduced inventory, that appears to be happening in many markets.

      ‘Returning to normal’

      "The housing market is returning to normal seasonal patterns, and that's a positive sign for buyers who faced stiff competition this spring," said Zillow senior economist Nicole Bachaud. 

      "As summer winds down and kids head back to school, home shopping gets put on the back burner. Traditionally, buyers who remain in the market gain a bit more bargaining power heading into the fall.”

      The typical U.S. home value climbed 0.9% from June to July — a rapid pace for this time of year, but slower than the 1.4% growth in the two preceding months. The nation's typical home value is now $349,679, which is 1.4% higher than last July and 46% above pre-pandemic levels in February 2020. 

      Austin was the only major market in which home values dipped from June to July, falling 0.5%. The slowest monthly home value growth was in San Antonio, which slowed 0.2%, Denver, which also experienced a 0.2% decline, Birmingham, where growth slowed by 0.3% and Memphis, which also declined 0.3%.

      Fannie Mae’s latest housing sentiment survey found a record number of Americans agree that now is a bad time to buy a home. That could mean there will be less competition, and if you need to buy now, it could actually work in your favor.

      A lot of considerations go into buying a home but the cost of financing is a big one, especially if the home is $400,000 to $500,000 or more. With current...

      Toyota is recalling 168,000 Tundras for potential fire risk

      The recalled trucks could develop a fuel leak

      Toyota is recalling certain 2022 and 2023 Toyota Tundra and Tundra Hybrid vehicles. Approximately 168,000 vehicles in the U.S. are involved in this recall, making it the largest Toyota recall this year.

      The subject vehicles are equipped with a plastic fuel tube that could move and rub against a brake line and develop a fuel leak. A fuel leak in the presence of an ignition source could increase the risk of fire.

      What to do

      For all involved vehicles, Toyota dealers will replace the fuel tube with an improved part and additional clamps at no cost to customers. Toyota is currently preparing the remedy parts for this recall. 

      As a temporary measure until the final remedy parts are available, the dealers will install protective materials and a clamp on the fuel tube at no cost to customers. Toyota will notify affected owners about this issue by early October 2023.

      Information about automotive recalls, including but not limited to the list of involved vehicles, is current as of today’s filing date and is subject to change thereafter. 

      To see if your vehicle is involved in a safety recall visit Toyota.com/recall or https://www.nhtsa.gov/recalls and enter your Vehicle Identification Number (VIN) or license plate information.

      For any additional questions, Toyota customer support is also available by calling the Toyota Brand Engagement Center (1-800-331-4331).

      Toyota is recalling certain 2022 and 2023 Toyota Tundra and Tundra Hybrid vehicles. Approximately 168,000 vehicles in the U.S. are involved in this recall,...

      Are you sick of using Google?

      Tech experts explain how Google became dominant as it approaches its antitrust trial

      The U.S. government’s antitrust lawsuit against Google goes to trial in September in what could be one of the biggest antitrust trials of the century.

      The government’s case claims Google has gained a monopoly in internet search, not by building a better mousetrap but by pushing competitors to the sidelines. Government attorneys no doubt will ask how Google’s dominant position has helped serve consumers, answering their own question by suggesting it hasn’t. 

      Does Google no longer deserve to be your go-to? 

      The case coincides with arguments by critics and many consumers that Google's search results have gotten less helpful to consumers in recent years, even as it still dominates the search field.

      Dominic Chorafakis, P.Eng, CISSP and principal at Akouto, a technology firm, believes some of the dissatisfaction with the search engine stems from how Google monetizes its business, putting paid placement in the mix with non-paid search results.

      “From a usability perspective, it can be argued that results have gotten worse over time since Google put ads in line with search results and made them look very similar to non-paid search results,” he said.

      In addition, said Chorafakis, internet content as a whole has gotten worse, driving down the quality of search results.  “There's a whole industry that has sprung up around search engine optimization which employs a number of tricks to try and get Google and other search engines to rank the importance of a page to be higher than it might be in reality,” Chorafakis said.

      And consumer use of smartphones could explain some of the perception that Google has gotten worse, suggests Joe Karasin, CMO & founder at Karasin PPC. He says consumers used to be more direct and exact with their search queries, but in recent years, typing on their phones, they have come to rely more on the algorithm to figure things out. 

      “They don't want to type in long-tail queries, which is often the way to get the best search result possible,” he said. 

      “For example, if I need to hire a lawyer, I will usually type in 'best criminal defense attorney near me' and I will get pretty relevant results. If I just type 'best lawyer' my results won't be as relevant. The latter is how most consumers search these days due to the cumbersome nature of typing on their phones rather than a keyboard.”

      Google earned its advantage initially

      Experts we spoke to were quick to credit Google’s ascension to dominance to the company’s technology. 

      “Google figured out how to do two things very well – return accurate search results via a more advanced algorithm than their competitors and monetize the search engine business model," said Karasin, who has worked in the search engine marketing field for the past 12 years and has watched Google's ascent.  “Between these two innovations, Google was able to become the top search engine for consumers.”

      Chorafaki believes Google won by focusing on building its own platform rather than relying on off-the-shelf technology.

      “Solving fundamental problems with processing large amounts of data allowed Google to scale faster and more cost-effectively than their competitors,” Chorafakis told us.

      “The second factor was the advantage of Google's algorithms over those of their competitors for ranking the importance of web pages. This allowed Google to produce much more relevant search results than their competitors which quickly made them the search engine of choice.”

      How well are users served?

      The case will flesh out two complex, interrelated questions: Has Google violated antitrust laws by competing unfairly, and has Google simply grown too large for other competitors to enter or survive in the space?

      The U.S. Justice Department complaint alleges that Google monopolizes key digital advertising technologies, collectively referred to as the “ad tech stack,” that website publishers depend on to sell ads and that advertisers rely on to buy ads and reach potential customers. 

      The complaint also alleges that over the past 15 years, Google has engaged in anticompetitive and exclusionary conduct that consisted of neutralizing or eliminating ad tech competitors through acquisitions. 

      It also accuses the company of wielding its dominance across digital advertising markets to force more publishers and advertisers to use its products and make it harder to use competing products. Deputy Attorney General Lisa Monaco says ad tech businesses have been harmed financially. Consumers, she says, have been harmed by the lack of competition in search.

      Potential result

      Nothing may happen very quickly. The trial is likely to be lengthy and if the court rules against Google, the tech giant can be expected to appeal. But should the government ultimately prevail, what might the result look like?

      Karasin thinks Google may have to allow other search engines to be used as the default on Android devices, similar to what Microsoft had to do with Internet Explorer at the turn of the century. 

      Chorafakis says the outcome is difficult to predict but agrees the court could force Alphabet, Google’s parent company, to divest some of its assets related to search. For instance, Google’s YouTube is also considered a search engine. The government could argue it should have separate ownership.

      “More likely scenarios would be requiring Alphabet to provide competitors with access to APIs (automated programming interface) that allow them to integrate their services and offer compelling alternatives, impose price regulations to allow smaller rivals to compete, or prohibit Alphabet from tying or bundling one service with the other,” he said.

      For consumers, the result could be a return to the late 1990s when there was no dominant search engine. Consumers of a certain age may remember when Yahoo was a major player in search, along with smaller players such as Lycos and Excite.

      The U.S. government’s antitrust lawsuit against Google goes to trial in September in what could be one of the biggest antitrust trials of the century.T...

      Consumers can now pay with SNAP benefits on Instacart in all 50 states

      The goal is to increase access to groceries for shoppers across the country

      Consumers are now able to use their SNAP benefits when checking out on Instacart from all 50 states – and Washington D.C. 

      With over 10,000 stores and over 120 retail banners to choose from on Instacart, shoppers receiving government assistance for their groceries now have even more options to choose from when ordering online. 

      “Our mission is to create a world where everyone has access to the food they love,” said Dani Dudeck, chief corporate affairs officer at Instacart. “By expanding SNAP acceptance to all 50 states, we’re delivering on our mission by modernizing access and connecting more communities to affordable and nutritious food. 

      “Now SNAP families in every state can enjoy the benefits of online grocery from a variety of local retailers that meet their unique tastes, needs, and personal budgets.” 

      More benefits for SNAP recipients

      An Instacart+ membership comes with a number of perks, including free delivery on orders over $35, lower service fees on every order, 5% credit back on eligible pickup orders, exclusive offers from participating retailers, family accounts to pool savings and shop together and extra savings and discounts. 

      However, consumers receiving SNAP benefits can secure an Instacart+ membership at a lower cost. While the membership typically runs $99/year or $9.99/month, those who place orders through the platform and pay with their SNAP or EBT benefits qualify to get their membership for half price. 

      Reaching the whole country

      Instacart started accepting SNAP and EBT as a form of payment in 2020. In the last year, the company started working with the White House on initiatives related to hunger, nutrition, and health, and said they’d be working towards this step: accepting SNAP and EBT in all 50 states. 

      Alaska was the final state to accept SNAP and EBT payments through Instacart, and the company announced that it has worked with seven Safeway locations across the state to finalize the integration. Now, regardless of location, consumers can utilize their benefits to order groceries online through Instacart. 

      “We’ve seen firsthand that grocery delivery can play a powerful role in expanding access to nutrition – a cornerstone of our mission and Instacart Health initiative,” said Sarah Mastrorocco, vice president and general manager of Instacart Health. “With the launch of online SNAP acceptance in Alaska, we’re helping more people nourish themselves and their families.” 

      Consumers are now able to use their SNAP benefits when checking out on Instacart from all 50 states – and Washington D.C. With over 10,000 stores and o...