We break down what happens after December 15, what coverage effective dates look like moving forward, and why waiting comes with real consequences. We discuss the ongoing uncertainty around enhanced premium tax credits, why current pricing must be treated as final for 2026, and how higher deductibles are becoming the new normal.

We also cover common post-deadline issues like missed calls, incomplete renewal forms, helper agents reaching out, and how to protect yourself from scams during Open Enrollment. If you’re still undecided, behind, or unsure who to trust, this episode explains exactly what to do next and how to avoid coverage gaps.

Open Enrollment isn’t forgiving. The clock didn’t stop, it just changed pace.

With uncertainty in Washington and significant premium hikes across the marketplace, 2026 requires a smarter enrollment approach. We unpack why enhanced credits likely won’t return in time, how benchmark plans impact your pricing, and why shopping the market every year is essential. Plus, learn about new strategies agents are using—HSAs, gold/bronze pivots, off-exchange plans, and pairing products to lower your total exposure.

In this episode of MIEGI Talk, Johnny breaks down the major changes hitting Open Enrollment this year — from disappearing enhanced tax credits to why many families under 400% FPL are suddenly seeing zero subsidies. We compare last year’s premiums to this year’s sticker shock, explain when agents should pivot from Silver into Expanded Bronze and Gold, and discuss how pairing accident or indemnity plans can keep coverage affordable.

Johnny also covers the new CMS compensation disclosure rules, why some quoting tools are confusing agents, and how underwritten zero-deductible options may help clients priced out of the marketplace.

Whether you're with MIEGI or not, this quick breakdown helps brokers stay informed, compliant, and ready for a challenging season.