On this episode of MIEGI Talk, we tackle the tough conversations independent agents need to hear. If you’re not getting enough leads, the problem probably isn’t the leads. It’s the approach.

We break down: • Why relationship builders outperform “booth agents” every time • The real difference between motivation and discipline • Why average talent beats natural charisma • What struggling agents blame… and what’s actually going wrong • The 3 non-negotiable rules to grow and scale your book

This is a service business. Not a snack stand. If you want long-term growth, it starts with consistency, community involvement, and retention strategy.

If you’re serious about building a real insurance career, this one’s for you.

Johnny joins us to unpack a new off-exchange health plan option from Presidio, designed specifically for healthy individuals who are getting crushed by marketplace premiums. We compare ACA plans versus off-exchange coverage, explain why premiums are so high for healthy earners, and explore how medical underwriting, PPO access, and simplified benefit structures can dramatically reduce monthly costs.

We also cover:

• Why healthy individuals often overpay on ACA plans

• How Presidio’s PPO network works (including nationwide access)

• Zero deductibles and how 50% cost-sharing actually functions

• Separate illness vs. accident out-of-pocket maximums

• Flexible enrollment with no open enrollment window

• Auto-renewals, cancellations, and switching between employer plans

If you’re self-employed, a business owner, or simply tired of paying $600+ a month for coverage you barely use, this episode gives you a clear, honest look at an alternative worth considering.

🎧 Subscribe, follow, and reach out if you have questions. We’re here to help you navigate your options with clarity, not confusion.

Silver plans used to be the obvious move. Not anymore. In this episode of Miegi Talk, Johnny breaks down why more members are shifting to bronze and gold plans, how rising premiums changed the game, and when it actually makes sense to pair a lower-cost ACA plan with supplemental coverage. If you’re paying more but feeling less protected, this episode explains what’s really going on and what questions you should be asking your agent.