Open enrollment 2025

Preparing for open enrollment: Advisers face significant headwinds in Q4

By Bruce Shutan

Published September 17, 2025 3:00 PM EDT 5 Min Read

Key Insight: Discover how skyrocketing specialty drug costs force benefit strategies toward hyper-personalized enrollment.
What’s at Stake: Employer premiums, talent retention, and insurer solvency face rising fiscal and legal pressure.
Forward Look: Prepare for OBBBA and ACA subsidy changes to materially increase commercial premiums in 2026.
Source: Bullets generated by AI with editorial review

Bruce Shutan

Contributing writer

Bruce Shutan is an Employee Benefit News contributing writer based in Portland, Oregon.

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Open enrollment 2025 Adviser strategies

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