This guide addresses the Open Enrollment (OE) 2026 period, focusing on the anticipated rise in healthcare costs for many insured individuals. It explains that this increase is primarily due to the expected expiration of enhanced premium tax credits (APTCs), adjustments in out-of-pocket maximums, a new $5 fee for zero-cost plan renewals, and changes in insurer offerings and premiums. The document emphasizes the crucial role of insurance agents and agencies in proactively communicating these changes to clients, particularly within the diverse U.S. immigrant community, and provides actionable strategies, often supported by CRM tools, to help clients navigate the new financial reality and maintain essential coverage.