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They are at time.com/newsletters and are separate from a paid subscription. ## Video: From Resistance to Retail: Let’s Break Down Everything You Need to Know This Week [Watch (HLS stream): From Resistance to Retail: Let’s Break Down Everything You Need to Know This Week](https://cdn.jwplayer.com/manifests/keatyPli.m3u8) (13:39)  _Published 2018-11-07. How the resistance movement fared for the 2018 midterms, retailers move to quicken customer’s checkout experience, a look ahead to the second half of the NFL season, and what to know about this year’s health care open enrollment period._ --- Jul 28, 2023 12:48 AM UTC --- ## More From This Series [All Videos](https://time.com/video/) [The Future of Retail Checkout](/video/J0eNAf49/) ### The Future of Retail Checkout [From the NBA to Branding: Let’s Break Down Everything You Need To Know This Week](/video/JM7n3mnR/) ### From the NBA to Branding: Let’s Break Down Everything You Need To Know This Week [From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week](/video/TWz4B2Eb/) ### From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week --- ## Transcript [ MUSIC ] Welcome to The Breakdown. I'm your host, Neha Joy, and we're here with the top stories of the week from time. Fortune, Sports Illustrated, and Money. Now, this week, how the resistance movement fared for the 2018 midterms, examine retailers' move to quicken customers' checkout experience, look ahead at the second half of the NFL season, and discuss what you need to know about this year's health care open enrollment period. So lets dive in. And what's been regarded as one of the most important mid- terms in a generation. A deeply divided America turned up to vote for the country's mid- term elections on November 6th for Congress, Governor's, State, and Local Legislators. The vote in many ways is a referendum on President Trump's unconventional presidential style, his America first agenda, and his bid to take the Republican party in a radically more nationalistic direction. After a divisive 2016 Democratic primary, Trump's inauguration sparked a movement to organize the Democratic base What followed were the women' marches, the largest single- day mass demonstration in US history. The President's divisive rhetoric re- energized a string of liberal organizing that drew crowds to the country's airport to reject Trump's travel ban. And many more gathered to protest the attempted repeal of Obama care. The political awakening swelled into a record number of women and minorities running for office in the country's midterms. And rallying cries from both President Trump and former President Barack Obama to celebrity appeals produced startlingly high, early high voter turn outs, and long lines on Election Day. With the election producing historic results. The Democrats took control of the House, picking up the 26 House seats previously held by Republicans to gain that chamber. The victory means that Trump will now lose the governing majority he's enjoyed for the first two years of his presidency, though Republicans kept the Senate. The results will also likely mean a more legislative gridlock and additional pressure to push investigations into the President's ties with Russia. Democrats' resistance to Trump worked and election night marked a series of firsts for the nation. Numbers are still being tallied but we may, for the first time, have 100 women elected to the House, including Alexandria Ocasio- Cortez and Abby Finkenauer who became the youngest Congresswoman ever elected to office. Ten female Senators were elected including Republican Marsha Blackburn who became the state's first woman Senator. Ilhan Omar and Rashida Tlaib became the first Muslim women in Congress. Omar is now Minnesota's first woman of color elected to Congress. The Democrat's hope of an overwhelming blue wave fell short when they were unable to seize control of the Senate, losing key races in Texas and Missouri, North Dakota and Indiana. Republican's allegiance to Trump paid off and the party was able to gain two senate seats to hold their majority there. While the results do share the limitations of the democratic party's geographic reach, the 2018 election map heavily favored senate republicans with 10 democrats up for reelection in states that Trump won by double digits in 2016. Despite the republican's loss of the house, president Donald Trump claimed tremendous success on Twitter. So as both parties made clear strides amongst a divided voter base, what did the 2018 midterms foreshadow for the 2020 Presidential elections? The presidential election is always different from a midterm election just because you by definition have. A single candidate at the top that's got to craft a message that can appeal to all of those voters. So it's gonna be exciting to see how the 2020 presidential candidates thread that needle. [ SOUND ] [ MUSIC ] Tech has changed many of our daily tasks, so it's no surprise that it's pushed the boundaries of traditional retail. With Americans busier than ever, retailers are pushing to make physical shopping a bit more hassle free and closer to the one- click online shopping experience we've come to expect. And shoppers expect faster check outs. The check out line as we know it has been dying for some time, but consumer electronic companies have made faster check outs synonymous with mobile pay. In the smart phone era, tech giants like Apple and Google ditched the clunky cash register For one tap apps that anyone can use. Apple One so far has equipped the staff in its own stores with iPhones and iPads so they can roam around to take customer orders, book appointments, and accept payments for purchases. Smartphones aren't the only check out innovation. Mobile innovators like Square have made the swipe- and- go payment option accessible for a wide range of business. In 2016 alone, about $ 50 billion worth of credit card purchases passed through Square's system and Square Sellers, the network of businesses that use the financial service app, rank 13th in national annual retail sales. Right behind companies like Best Buy and McDonald's. Big stores are getting on board with better checkout technology. In October Walmart, America's largest retailer, announced it's plan to offer customers a " check out with me" service that'll enable Walmart employees to ring customers on the spot with mobile checkout scanners. Target and Kohl's aren't far behind announcing support for mobile devices in the checkout lane ahead of winter holiday shopping season. The goal get customers in and out of stores as quickly as possible to end a painful payment process. But in the future stores may have no check out at all. Giant companies like Amazon and Walmart owned Sam's Club are testing entirely cashierless stores. There are currently six Amazon Go stores open in major cities like New York and San Francisco that use sensors and software to detect that customers take on and off shelves. Automatically charging customers' Amazon accounts once they leave the store. Convenience chain, 7 Eleven, is also making moves to lose cashiers. In November it equiped 14 stores in Dallas with new technology that'll allow customers to skip the check out line and scan and pay for items directly on their phone. While it's clear that mobile technology has nudged retailers to re- think their customer Experience. It may take awhile for the checkout process to become fully automated. In the meantime brick and mortar retailers are hoping a little bit of technology can make your holiday shopping a lot more efficient. [ MUSIC ] The NFL is unpredictable. Every year Teams are written off for their poor or average starts, only to surge ahead during the season's second half. While others start out hot, and fade down the stretch. But barring total disaster we already have a few teams that would dominate so fiercely that their contender status is all but guaranteed. The strong performances are by the Patriots, the Rams, the Chiefs, and the Saints Has each team sitting atop their divisional rankings after week nine. But there are still some crucial matchups left in the season's final two months that have the potential to make the post- season even more interesting. At the halfway [ UNKNOWN ] of the season. and there is no other division. And the NFL is tightly contesting as the NFC North is. As the week nine, the Bears and Vikings have five wins apiece. With the Packers and Lions each have three heading into week ten. The Vikings had their work it out for them with the top second half stretch meanwhile the Packers, and QBR Rodgers had an excruciatingly uneven season don't need to redress In week 11 the Packers will faceoff against the Seattle Seahawks and whoever wins this games stands to make a stronger case for a wildcard playoff spot. This is the second of three challenging road games to take place over four weeks for both teams, and Russell Wilson will have to be nearly flawless to forget the Seahawks ahead. The Los Angeles Chargers are right behind the Kansas City Chiefs in the AFC West. Their week 15 matchup could either decide the AFC West for the Chiefs or up the ante for the team's final two weeks of the season. As of week nine, the Redskins' closest competition in the NFC East are defending Superbowl champs the Philadelphia Eagles, whose title defense has not gone quite as expected. Their week 17 could face- off could determine the divisions title but as injuries pile up for the Red Skins. Their 2nd half climb will be much harder. Meanwhile the Carolina Panthers and New Orleans Saints play twice in the final three weeks of the season. These games could end up deciding the NFC South. As usual, the New England Patriots are on tract for another AFC east title wind, but can they make it to the finish line? Hawks have never reached a Superbowl this season after they've lost it and their break from the past could be the most intriguing talent of the season. Pedal or not, th team's addition of receiver Josh Gordon is paying off and it seems obvious that a deep play off on his own is inevitable. Altogether, Patrick Mahomes and the Chiefs have been playing like Superbowl champions The Chiefs Rams clash in week 11 may be the most anticipated game of the second half of the season. With the offenses of the Rams and the Chiefs ranking second and third in NFL yards per game, could this be a Super Bowl LIII preview? Well, we'll be watching. [ MUSIC ] While the Trump administration's mantra around healthcare has been to repeal and to replace Obamacare, also known as the Affordable Care Act, it's still the law of the land. But changes out of Washington have led to some confusion about this year's open enrollment season. For the roughly 11 million Americans who buy individual health insurance through healthcare. gov or their state exchange here's what you need to know. Open enrollment kicked off on November 1st and runs through December 15th for most states but a handful of states like Colorado and Massachusetts have extended their enrollment periods a bit longer. If you don't do anything during open enrollment, you will be automatically re- enrolled in your current policy for 2019 or into a similar one if that's discontinued. The biggest change for 2019 is that the penalty attached to the individual mandate is gone. That means you won't have to pay up if you decide to go uninsured. But, it's a good idea to have coverage if you can afford it. People who go uncovered risk catastrophic bills if an unforseen health scare arises. There are now short term plan options, previously these plans were used as a bridge between more comprehensive health care coverage, when you're in between jobs for a few months. But now you can opt for a short- term plan for a full year with opportunities to renew the coverage even longer. The least expensive of these plans cost $ 40 to $ 50 dollars a month. But they don't typically cover things like maternity care, prescription drugs, or mental health treatments and those with pre- existing conditions may be charged more for coverage or be denied all together. Meanwhile the average premium for the benchmark silver plan will drop 1. 5 %. The first decrease since 2014. Rates will still soar by the double digits in many states. Premiums for the benchmark silver plan in Burlington, Vermont will rise 23 % compared to 2018's rates. And in Seattle premiums are jumping 12 %. Rates are also much higher than when ObamaCare first started in 2014. The average monthly premium for a silver plan in 2019 will be $ 483, compared to 2014's rate of 273. According to the Congressional Budget Office, most of that rate hike is due to the elimination of the individual mandate. Rising health costs and the Trump Administration's decision not to pay insurers extra money to offset insurer's obligation to help lower- income consumers with their out of pocket costs. It also may be harder to find help when you're ready to enroll. The Trump administration made steep cuts to Obamacare outreach, down to $ 10 million for the year. Currently, there are no federal navigators in New Hampshire, Iowa, and Montana, and nearly 800 counties will not have any Obamacare navigators. With less resources and an influx of changes, here to make sense of the enrollment period is money editor, Elizabeth O'Brien. All right Elizabeth thanks so much for joining us. Well, there are a lot of changes to Obamacare so what do Americans need to know about this years enrollment period? Well it's important to shop around, last year we saw a lot of carriers exiting the market. This year we're actually seeing the reverse and a lot of carriers are expanding their footprints which means you might see an option you didn't see last year, It's also important to keep in mind that carriers each year make changes to their list of participating doctors. So if it's important for you to continue seeing your doctor, make sure he or she is still participating in your plan and if not find another one. Lastly it's important to go into the system and update your income for 2019, your projected income cuz that could affect how much you get in premium subsidies. Now some states are actually facing an increase in healthcare premiums. So, what's important to remember here ? >> Well about 85 % of consumers on the Obamacare markets make, are eligible for premium subsidies. And you'll know you're one of them if fill out a special form at tax time. Now if that's you, then are largely insulated from any premium subsidy increases. Because your subsidy's going to rise to match the new price. However, if you're one of the fifteen percent that makes too much to qualify for premium subsidies, you might have to make some hard choices. Are there other factors to consider, beyond monthly premiums? It's important to look beyond the premium, which is the most prominent price. It's like the sticker price, but look beyond that to the deductible. That's the amount that you're gonna have to pay out of your pocket before the insurance kicks in to start covering your costs. And it can be high. It can be as much as, say, $ 5, 000. So that could really affect you if you get a serious diagnosis during the year or if you get in an accident or take a lot of prescription drugs. All right. Very useful information, Elizabeth. Thanks for joining us. And remember, open enrollment ends December 15th. [ MUSIC ] And that's The Breakdown for this week, until next Wednesday, I'm Neha Joy and thanks for joining our weekly roundup of the news. 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