Johnny joins us to unpack a new off-exchange health plan option from Presidio, designed specifically for healthy individuals who are getting crushed by marketplace premiums. We compare ACA plans versus off-exchange coverage, explain why premiums are so high for healthy earners, and explore how medical underwriting, PPO access, and simplified benefit structures can dramatically reduce monthly costs.

We also cover:

• Why healthy individuals often overpay on ACA plans

• How Presidio’s PPO network works (including nationwide access)

• Zero deductibles and how 50% cost-sharing actually functions

• Separate illness vs. accident out-of-pocket maximums

• Flexible enrollment with no open enrollment window

• Auto-renewals, cancellations, and switching between employer plans

If you’re self-employed, a business owner, or simply tired of paying $600+ a month for coverage you barely use, this episode gives you a clear, honest look at an alternative worth considering.

🎧 Subscribe, follow, and reach out if you have questions. We’re here to help you navigate your options with clarity, not confusion.

Silver plans used to be the obvious move. Not anymore. In this episode of Miegi Talk, Johnny breaks down why more members are shifting to bronze and gold plans, how rising premiums changed the game, and when it actually makes sense to pair a lower-cost ACA plan with supplemental coverage. If you’re paying more but feeling less protected, this episode explains what’s really going on and what questions you should be asking your agent.

In this episode of MIEGI Talk, Johnny breaks down the real risks of letting your ACA plan roll over without review. From surprise premium spikes and lost tax credits to major hospital systems dropping out of networks overnight, this conversation pulls back the curtain on what’s actually happening behind the scenes during open enrollment.