We've officially entered open enrollment season — that short window when everyone from W-2 employees to business owners and locums physicians has to lock in their 2026 health coverage.

And this year feels a little different. Between rising premiums and ongoing debate in Washington over healthcare subsidies — one of the major sticking points behind the government shutdown — a lot of people are finding themselves rethinking what "good coverage" actually means. So in today's episode, we're unpacking what to look for, what to avoid, and how to make sure your plan fits both your health and your wallet going into 2026.