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.

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.