☕ DrinkCoffeeAndProfit
Smart money moves before breakfast
Inspiration Quote for the Day
“Delay is the deadliest form of denial.”
C. Northcote Parkinson
The Morning Ritual
Marcia Never Picked a New Plan. An Algorithm Picked One For Her.
Marcia runs a two person bookkeeping practice and buys her own health insurance. Last December she was deep in year end closes and left the renewal notice unopened. She was not dropped from coverage. In January she was simply in a different plan, chosen for her, and her specialist was not in the network.
Open enrollment for 2027 opens on Sunday. What Marcia got wrong was not laziness. She believed the marketplace would leave her where she was, when the rule runs the other way. A plan that disappears is replaced by a match made on price, not on doctors.
In One Sip
► Open enrollment runs November 1 to January 15 in most states
► December 15 is the deadline for coverage that starts January 1, and after it coverage starts February 1
► Insurers proposed a median increase of 15% for 2027, and 51 of them asked for more than 25%
► Last year the proposed median was 18% and the approved figure landed at 20%
► Cigna is leaving the marketplace in 11 states, about 369,000 enrollees, and Molina is going from 14 states to six
· · · From Our Partners · · ·
In 1974, something happened that changed America forever.
The man on the street probably had no idea it took place... yet over the next five decades this single event would help transfer trillions of dollars out of the hands of regular folks and into America’s asset-owning elite.
In July 1974, Treasury Secretary William Simon boarded an 8 AM flight from Andrews Air Force Base.
Officially, he was beginning a routine diplomatic tour. But under orders from Henry Kissinger and the Nixon White House, Simon’s real mission was a secret four-day layover in Jeddah, Saudi Arabia.
What he proposed to King Faisal would effectively reset the U.S. dollar.
Saudi Arabia would price its oil exclusively in dollars.
And the billions it earned would be recycled into U.S. Treasury bonds.
In return, America would guarantee the security of the Saudi Kingdom with the full force of the U.S. military.
The dollar was no longer anchored to gold. It was anchored to the one commodity the modern world could not function without. The petrodollar was born, and the greatest repricing in American history began.
Something that cost $100 in 1974 costs more than $600 today. Food became more expensive. Housing became more expensive. Healthcare, education, energy, practically every part of American life was radically repriced.
In other words, the petrodollar divided America in two:
Between those who owned a piece of the system, and those who were owned by it.
Trumps New Dollar
The petrodollar era is ending. And my research tells me President Trump is quietly enacting the first complete reset of America’s money since Kissinger’s deal in the desert.
This time, the dollar will not be anchored to gold, or to oil.
Instead, Trump’s plan is linked to a narrow band of essential resources, the minerals, energy, and critical physical infrastructure without which the greatest technology of our age cannot exist.
I believe we are standing at the beginning of another great repricing, and the beginning of The Silicon Dollar era.
That’s why I’ve produced an important new documentary to help you understand, and prepare for, what could happen next.
Inside, I reveal exactly what my research suggests Trump is doing, how his new monetary order could impact your savings and investments, and the five companies I believe could benefit most.
I’ll also give you the name and ticker of one asset you can buy today for immediate exposure to what’s unfolding.
Good investing,
Porter Stansberry
The claims above are the advertiser’s own.
THIS IS AN ADVERTISEMENT
Why It Matters for Your Money
The letter carries two deadlines and most people remember only one. Open enrollment runs to January 15 in most states. December 15 is the date that decides your January. Enrol on the sixteenth and your coverage begins February 1, with January left open.
The headline number is a starting bid. Insurers proposed a median increase of 15% for 2027, and 51 of them asked for more than 25%. Last year they proposed 18% and the approved figure came in at 20%. Proposed and final are not the same animal.
Then there is the part the rate story leaves out. Your subsidy is not attached to your plan. It is pinned to the second cheapest silver plan in your county, and that plan is reshuffled every year. If your own plan climbs faster than that benchmark, the gap is yours to pay.
About 87% of enrollees received a subsidy in 2026, which is why most of them did not feel the full rise. That protection is real and it is narrow. It holds the benchmark plan at a set share of your income. It does nothing for the distance between the benchmark and whatever you are actually in.
Two insurers are rearranging the board this year. Cigna is leaving the marketplace in 11 states, about 369,000 people. Molina is going from 14 states to six. Those enrollees are not dropped. They are reassigned, and the match is made on price band.
The arithmetic is already visible. A 40 year old in Indianapolis earning $65,000 paid $316 a month while the enhanced credits were in force. This year it is $477. Next year, if the filings hold, $546. Same person, same income, $230 more a month than two years ago.
☕ Key Insight:
Your subsidy is attached to a plan you probably do not own. It follows the second cheapest silver plan in your county, and that plan changes every year. Staying put is how the gap opens.
· · · A Word From Our Sponsor · · ·
Gold Skimming
A former hedge fund manager ranked in the top 1% by Barron’s has developed a three-step strategy to profit from gold, without buying a single ounce.
His followers have had the chance to collect $2,975... $3,781... and even $6,786 at a time. With a 73% win rate.
He calls it “Gold Skimming.” And he’s just revealed the full strategy for the first time.
The claims above are the advertiser’s own.
THIS IS AN ADVERTISEMENT
The Coffee Break Move
Open the renewal notice this week and look for two lines. Whether your plan still exists for 2027, and what the second cheapest silver plan in your county now costs. The second line is the one that sets your credit. Both figures sit on the marketplace site before you change anything.
Enter your income estimate again rather than letting last year’s figure roll forward. A self employed year that came in higher than you guessed means a smaller credit, settled against you at tax time. A deductible retirement or health savings contribution lowers the income the marketplace counts.
Put December 15 in the calendar, not January 15. If your insurer is leaving your state, check the replacement against your own doctors and your own prescriptions. Do that before the system checks it against a price.
Health premiums are one claim on a dollar. The next message is from a partner, on what has been happening to the rest of it.
· · · Paid Partnership · · ·
Digital System Threat
The biggest financial shift in 50 years just accelerated.
If you have not seen how people are preparing for this, you should.
137 nations, nearly the entire world economy, are building digital currencies to replace the U.S. dollar.
China’s digital yuan processed $986 billion.
India’s digital rupee grew 334%.
The UAE’s Digital Dirham goes live this year.
Russia follows next year.
The most dangerous part is already active:
Project mBridge, a digital payment network that bypasses SWIFT and settles global transactions in seconds.
It cuts out the dollar.
It cuts out U.S. banks.
It cuts out America’s influence.
26 central banks are joining.
This is not a debate.
This is a replacement.
When the dollar loses demand...
markets shake.
purchasing power drops.
retirements take the hit first.
If you have not seen how people are shielding their savings, do it now.
The only assets not tied to this new digital system?
Gold and silver.
You can legally move part of your retirement into physical metals, tax and penalty free.
Here is the quickest way to get ahead of this:
Wealth Preservation Guide
This shift is already happening.
Do not let your savings be the last thing to adjust.
GET YOUR FREE GUIDE!
This is an advertisement.
Or write to: 5005 Lyndon B. Johnson Fwy. Suite 350 Dallas, TX 75244
One Last Sip
The window is eleven weeks wide and the part that counts is the first six. Marcia did not lose money she could not spare. She lost the specialist she had seen for four years, over a letter she meant to open.
Nothing this year rewards waiting. The plans are priced, the exits are announced, and the benchmark that sets your credit is already published for your county. The only thing still undecided is whether you read it before December 15 or after. Your letter arrives this week.

Keep Reading