Sherlock Sam presents…
Crack Open Enrollment in 10 Minutes
Five detective clues to avoid costly mistakes — no stress, no surprises.
Need immediate help from a real detective? Book a Clarity Call HERE
Inside the 10-Minute Prep Kit
Checklist
Collect the key documents you’ll need so you don’t lose your subsidy
Coverage Check
Make sure your plan still covers the doctors and prescriptions you rely on
Comparison Kit
Spot the hidden differences between plans before you commit.
Final Check
Avoid common traps — one last look can save you thousands.
Deadline Calendar
Know your exact window so you never miss your enrollment date.
Get Sherlock Sam's 10-Minute Prep Kit
How It Works
Download Your Prep Kit
Follow the 5 Clues
Enroll with Confidence
Why Preparation this year Matters more than ever
2026 Open Enrollment isn’t like last year — major changes could cost you real money if you’re not ready.
Subsidies Are Expiring This Year
Millions may lose their premium discounts this year.
The special federal subsidies that made plans more affordable during COVID are ending in 2025 — and Congress hasn’t renewed them. That means 2026 premiums could jump dramatically for many families. If you rely on those savings, preparation is key — you’ll want to review your income and plan options before auto-renewing.
New Strict Income Verification Rules
Missing one document could delay or cancel your subsidy.
This year, you must show updated proof of income and tax filings before your coverage is approved. If your records don’t match or your IRS form 8962 wasn’t filed correctly, your subsidy could be denied — even if you qualified last year. Gather your income and tax documents early so you don’t miss your window.
$0 Plans May No Longer Stay $0
Auto-renew might backfire
Many people assume their old plan will renew at the same cost — but 2026 plans come with new pricing and coverage changes. Some “zero-premium” plans from last year will now carry a monthly bill. Always double-check your renewal notice before confirming your plan.
Deadlines Are Stricter Than Ever
Missing December 15 could lock you out until next year.
The 2026 Open Enrollment window runs Nov 1 – Dec 15 — and extensions are no longer guaranteed. If you miss that deadline, you’ll need to qualify for a Special Enrollment Period to get coverage. Start early, stay organized, and enroll with confidence before the clock runs out.
7 out of 10 families will renew their plan without realizing what’s changed. Don’t be one of them.
Download your Prep Kit now and stay one step ahead of 2026.Meet the Brains Behind the Mystery
Sherlock Sam
The Curious Detective Who Makes It Click
Every great case starts with a question.
Sherlock Sam turns confusing insurance jargon into real-life clues you can actually solve. With a magnifying glass in hand (and a knack for asking “silly” questions), he helps you spot what most people miss — from vanishing $0 plans to hidden coverage gaps.
Detective Sam Halloum
The Real Agent Who Cracks the Tough Cases
Behind every smart sidekick is a real detective.
Detective Halloum is a licensed health insurance expert with over 20 years of experience helping families navigate Open Enrollment — the right way. He’s here to help you avoid costly mistakes, simplify the process, and make sure your plan truly fits your needs for 2026.
See how families cracked Open Enrollment.
“I finally understood how to pick a plan. The Prep Kit made everything so simple — I finished in ten minutes and actually felt confident clicking ‘enroll.’”
“If I hadn’t used the Prep Kit, I would’ve missed the subsidy changes completely. I’m so glad I came across this — it saved me so much headache.”
“I always dreaded Open Enrollment. This year, I actually felt calm. The Prep Kit gave me clarity and the confidence to handle it myself.”
another...
Case Solved
You’re Now Ready to Enroll with Confidence.
CONFUSION NEVER WINS!
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