Transcript
The below content has been transcribed from “Cambios Claves a Seguros Médicos Obamacare en 2026” and translated to English.
Carlos:
Greetings from the Freedom Group. We are a group of three companies that can help our Hispanic community with all matters related to accounting, taxes, insurance, financial planning, and real estate.
It’s November 2025 and the season has begun Obamacare. The open enrollment period is when each person should get their health insurance and choose which plan they want to start using January 1, 2026.
Now, this year there are many changes to all health plans, and it’s important that you know what they are and what you should do beforehand December 15, 2025.
To discuss this topic, I’m going to bring in my coworker,Yenniree. How are you, Yenniree?
Yenniree:
Excellent, Carlos, thank God.
Carlos:
How are you?
Yenniree:
Everything is fine, thank the Lord.
Carlos:
Yenniree is the president of Freedom Insurance and a leading authority on health plans and financial planning.
Yenniree, Obamacare is here, the season when we have to choose our health plan for next year. As we’ve mentioned in other videos (and if you haven’t seen them, head over to our channel), there’s a lot of important information you should know, especially this year.
With all these changes to Obamacare and health plans, what should people do before December 15th? When does it start and how long does it last?
Yenniree:
That’s right, the first thing we need to keep in mind are the established dates.
It’s important to understand how Obamacare season works, open enrollment, and what it means.
During this period, we have the opportunity to review our plan evaluate whether it will work for the next year and, if necessary, make changes: change your plan, agent, or company.
The registration period began on November 1st and extends to the January 15 But to have effective coverage, January 1, 2026, must register before December 15.
If you enroll later, for example on December 16, your coverage will not begin until February 1, 2026 which means he will be without insurance during January.
Carlos:
So the person is left without insurance for a month?
Yenniree:
That’s right. Even if you enroll within the allowed period, your coverage won’t be retroactive. Also, some people are receiving letters informing them that their current plan won’t be available next year. If they don’t check in time, they could lose their insurance.
Carlos:
Some people are happy with their plan and think they don’t need to do anything because it renews automatically. Should they continue this year?
Yenniree:
No. One of the most important changes is precisely that of themself-renewal.
The plans they will not be automatically renewed under the same conditions.
For example, if you had a bronze plan this year and didn’t pay anything per month, that same plan could be automatically renewed, but at a cost of $5 monthly if you do not update your information.
Although it may seem like a small amount, it is a change designed to prevent fraud and to make people aware that they have an active policy.
Carlos:
And why did the government decide to implement this change?
Yenniree:
Because in previous years there were many cases where people had insurance without knowing it.
Sometimes agents renewed plans without authorization and customers received tax credits that they then had to return to the IRS, among other things $4,000 and $18,000 in some cases.
With this new system, at least the $5 charge alerts the person that they have active insurance and they can decide whether to keep it or cancel it.
Carlos:
So it’s a measure to protect the consumer and prevent fraud.
Yenniree:
Exactly. If the customer doesn’t pay the $5, the plan will be automatically canceled after three months, without penalty. This is a way to protect the consumer and prevent them from receiving tax credits in error.
Carlos:
Now, if someone is unsure about the changes to their plan, what should they do?
Yenniree:
You must assume that all plans changed Co-payments, deductibles, out-of-pocket expenses, and doctor networks have all changed.
For example, plans that had two networks now only have one, and others have added more.
There are also new companies with wider networks and lower prices.
Therefore, reviewing your plan this year is fundamental.
I myself have a plan that I considered excellent, and this year it changed: before I had a fixed co-payment of $250 in the emergency room; now it will be a percentage of the cost, which could raise the bill to more than $1,000.
Carlos:
That’s why working with a professional is key.
Yenniree:
That’s right. In Freedom Insurance we are brokers We work with all companies not with just one.
We can review each case free of charge, compare options, and find the best alternative according to your needs.
Furthermore, we provide assistance throughout the year, not just during registration.
Carlos:
So, there’s no excuse. There are many changes this year. Contact the team at Yenniree al 407-344-1228.
The consultations are free and they can be donein person, by phone, WhatsApp or Zoom.
Yenniree:
Exactly. Our team is available every day, including weekends by appointment.
We know the changes are big, but in the end they are for protect the consumer and ensure transparency.
At Freedom Insurance, we continue to work harder than ever to help the community understand their options and protect their health.
Carlos:
Remember, receive your free consultation by calling Freedom Insurance al 407-344-1228.
If you found this video helpful, Like it, share it And remember, at Freedom Group we can help you with accounting, taxes, insurance, financial planning, real estate and much more.
God bless you!
Summary
In this video,Carlos and Yenniree, president of Freedom Insurance, they explain Major changes to Obamacare health insurance by 2026.
The season of Registration open began November 1, 2025and will extend until the January 15, 2026. However, to guarantee effective coverage from the January 1, 2026. Beneficiaries must update or choose their plan before December 15, 2025. Those who do so after that date will have coverage starting in February, remaining without insurance during January.
One of the most significant changes, according to Yenniree, is that the Plans will no longer be automatically renewed under the same conditions. Even those who qualify for a plan of zero cost They will need to update their application or they will be charged a minimum fee of $5 per month this measure aims to prevent fraud and errors which in previous years forced many people to return tax credits to the IRS.
The changes to Obamacare for 2026 are related to federal adjustments to subsidies and renewal rules. Those who wish to verify this information directly with official sources can consult:
Healthcare.gov: https://www.healthcare.gov/
Centers for Medicare & Medicaid Services: https://www.cms.gov/
KFF Health Reform Analysis: https://www.kff.org/health-reform/
Furthermore, all the plans have changed in one way or another:co-payments, deductibles, out-of-pocket benefits, doctor networks, and other benefits For example, some insurers removed certain hospitals from their network, while others expanded their coverage. This means that a plan that worked last year might not be the best option in 2026.
Yenniree mentions the case of a family that was paying $600 a month and, thanks to network changes, will now be able to get an equivalent plan for approximately $150 without losing their doctor or medications. Stories like this demonstrate the importance of Review and compare before accepting an automatic renewal.
Carlos recalls that working with a professional agent. It’s essential this year. Freedom Insurance is a independent broker this means they don’t favor any particular insurer; they analyze all options to find the best alternative based on the client’s needs. The consultations are 100% free and are available in person, by phone, WhatsApp or Zoom.
Yenniree also emphasizes that her team is available even on weekends and outside of regular business hours to help customers complete the process on time. This year, due to changes in auto-renewals, networks, and pricing, Waiting can leave a person without coverage or with the wrong plan..
Final message:
Don’t wait until the last minute. Call today! Freedom Insurance al 407-344-1228 to receive a free consultation and secure your health plan for 2026 before the changes take effect