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.

On this episode of MIEGI Talk, Johnny joins the conversation to unpack one of the biggest shifts we’ve seen in years — major premium hikes and the loss of enhanced tax credits heading into 2026. We break down real examples of how plan costs have more than doubled for families and individuals, and discuss why even subsidized members are feeling the squeeze.

Johnny walks us through practical strategies agents can use to help clients pivot — from expanded bronze and gold plan options to pairing coverage with indemnity products that reduce risk without breaking the bank. Plus, get an inside look at new off-exchange, underwritten plans offering relief for higher-income, healthier families. Whether you’re an agent or consumer, this episode helps make sense of the chaos and shows how to adapt before open enrollment hits full swin