Sticker Shock & Smart Strategy: Navigating 2025–2026 Open Enrollment
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Sticker Shock & Smart Strategy: Navigating 2025–2026 Open Enrollment
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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.