The Affordable Care Act's fifth open enrollment period begins in less than a week. And it's going to be a wild one.

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Data: Avalere Health; Cartograms: Lazaro Gamio / Axios

  • As the graphic above indicates, based on data from Avalere Health, premiums are up substantially. Nationwide, premiums for so-called "benchmark" plans will be 38% higher, on average, than last year. Those are the plans the federal government uses to determine the size of your premium subsidy.
  • Those benchmark plans are supposed to fall roughly in the middle of the options available through the exchanges. But because of the way states and insurance companies dealt with the uncertainty around the ACA's cost-sharing subsidies, many people will now be able to get more comprehensive "gold" plans for a lower premium than the middle-of-the-road benchmark.
  • When you shop around on HealthCare.gov, it now organizes plans based on your total monthly premium, after accounting for subsidies. This is a change — and one that consumer advocates, including some Obama administration veterans, were happy to see.

Sea change: With a shorter open-enrollment window, fewer intermediate deadlines and barely any money for consumer outreach, this enrollment season will look a lot different from the four before it.

  • The Health and Human Services Department has not set a goal to get a certain number of people to sign up this year, administration officials told the Washington Examiner. (Most analysts expect enrollment to drop.)

The countdown: Six days.

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In pictures: Storm Zeta churns inland after lashing Louisiana

Debris on the streets as then-Hurricane Zeta passes over in Arabi, Louisiana, on Oct. 28. It's the third hurricane to hit Louisiana in about two months, after Laura and Delta. Photo: Sandy Huffaker/Getty Images

Tropical Storm Zeta has killed at least two people, triggered flooding, downed powerlines and caused widespread outages since making landfall in Louisiana as a Category 2 hurricane on Wednesday.

The big picture: A record 11 named storms have made landfall in the U.S. this year. Zeta is the fifth named storm to do so in Louisiana in 2020, the most ever recorded. It weakened t0 a tropical storm early Thursday, as it continued to lash parts of Alabama and the Florida Panhandle with heavy rains and strong winds.