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May 7 2024 KFF Health News

President Joe Biden counts among his accomplishments the record-high number of people, more than 21 million, who enrolled in Obamacare plans this year. Behind the scenes, however, federal regulators are contending with a problem that affects people's coverage: rogue brokers who have signed people up for Affordable Care Act plans, or switched them into new ones, without their permission.

Fighting the problem presents tension for the administration: how to thwart the bad actors without affecting ACA sign-ups.

Complaints about these unauthorized changes — which can cause affected policyholders to lose access to medical care, pay higher deductibles, or even incur surprise tax bills — rose sharply in recent months, according to brokers who contacted KFF Health News and federal workers who asked not to be identified.

Ronnell Nolan, president and CEO of the trade association Health Agents for America, said her group has suggested to the Centers for Medicare & Medicaid Services that it add two-factor authentication to healthcare.gov or send text alerts to consumers if an agent tries to access their accounts. But the agency told her it doesn't always have up-to-date contact information.

"We've given them a whole host of ideas," she said. "They say, 'Be careful what you wish for.' But we don't mind going an extra step if you can stop this fraud and abuse, because clients are being hurt."

Some consumers are pursued when they respond to misleading social media marketing ads promising government subsidies, but most have no idea how they fell victim to plan-switching. Problems seem concentrated in the 32 states using the federal exchange.

Federal regulators have declined to say how many complaints about unauthorized sign-ups or plan switches they've received, or how many insurance agents they've sanctioned as a result. But the problem is big enough that CMS says it's working on technological and regulatory solutions. Affected consumers and agents have filed a civil lawsuit in federal district court in Florida against private-sector firms allegedly involved in unauthorized switching schemes.

Biden has pushed hard to make permanent the enhanced subsidies first put in place during the covid pandemic that, along with other steps including increased federal funding for outreach, helped fuel the strong enrollment growth. Biden contrasts his support for the ACA with the stance of former President Donald Trump, who supported attempts to repeal most of the law and presided over funding cuts and declining enrollment.

Most proposed solutions to the rogue-agent problem involve making it more difficult for agents to access policyholder information or requiring wider use of identity questions tied to enrollees' credit history. The latter could be stumbling blocks for low-income people or those with limited financial records, said Sabrina Corlette, co-director of the Center on Health Insurance Reforms at Georgetown University.

"That is the knife edge the administration has to walk," said Corlette, "protecting consumers from fraudulent behavior while at the same time making sure there aren't too many barriers."

Jeff Wu, acting director of the Center for Consumer Information & Insurance Oversight, said in a statement that the agency is evaluating options on such factors as how effective they would be, their impact on consumers' ability to enroll, and how fast they could be implemented.

The agency is also working closely, he wrote, with insurance companies, state insurance departments, and law enforcement "so that agents violating CMS rules or committing fraud face consequences." And it is reaching out to states that run their own ACA markets for ideas.

That's because Washington, D.C., and the 18 states that run their own ACA marketplaces have reported far fewer complaints about unauthorized enrollment and plan-switching. Most include layers of security in addition to those the federal marketplace has in place — some use two-factor authentication — before agents can access policyholder information. Related StoriesAn Arm and a Leg: Attack of the Medicare machinesEmerging trends in wearable breath sensors aim at personalized healthcare solutionsRacial disparities found in delayed COVID-19 testing among healthcare workers

California, for example, allows consumers to designate an agent and to "log in and add or remove an agent at will," said Robert Kingston, interim director of outreach and sales for Covered California, the state's ACA marketplace. The state can also send consumers a one-time passcode to share with an agent of their choice. Consumers in Colorado and Pennsylvania can similarly designate specific agents to access their accounts.

By contrast, agents can more easily access policyholder information when using private-sector websites that link them to the federal ACA market — all they need is a person's name, date of birth, and state of residence — to enroll them or switch their coverage.

CMS has approved dozens of such "enhanced direct enrollment" websites run by private companies, which are designed to make it easier and faster for agents certified to offer insurance through healthcare.gov.

Rules went into effect last June requiring agents to get written or recorded consent from clients before enrolling them or changing their coverage, but brokers say they're rarely asked to produce the documentation. If CMS makes changes to healthcare.gov — such as adding passcodes, as California has — it would need to require all alternative-enrollment partners to do the same.

The largest is San Francisco-based HealthSherpa, which assisted 52% of active enrollments nationally for this year, said CEO George Kalogeropoulos.

The company has a 10-person fraud investigation team, he said, which has seen "a significant spike in concerns about unauthorized switching." They report problems to state insurance departments, insurance carriers, and federal regulators "and refer consumers to advocates on our team to make sure their plans are corrected."

Solutions must be "targeted," he said. "The issue with some of the solutions proposed is it negatively impacts the ability of all consumers to get enrolled."

Most people who sign up for ACA plans are aided by agents or platforms like HealthSherpa, rather than doing it themselves or seeking help from nonprofit organizations. Brokers don't charge consumers; instead, they receive commissions from insurers participating in state and federal marketplaces for each person they enroll in a plan.

While California officials say their additional layers of authentication have not noticeably affected enrollment numbers, the state's recent enrollment growth has been slower than in states served by healthcare.gov.

Still, Covered California's Kingston pointed to a decreased number of uninsured people in the state. In 2014, when much of the ACA was implemented, 12.5% of Californians were uninsured, falling to 6.5% in 2022, according to data compiled by KFF. That year, the share of people uninsured nationwide was 8%.

Corlette said insurers have a role to play, as do states and CMS.

"Are there algorithms that can say, 'This is a broker with outlier behavior'?" Insurance companies could then withhold commissions "until they can figure it out," she said.

Kelley Schultz, vice president of commercial policy at AHIP, the trade association for large insurance companies, said sharing more information from the government marketplace about which policies are being switched could help insurers spot patterns.

CMS could also set limits on plan switches, as there is generally no legitimate need for multiple changes in a given month, Schultz said.

This article was reprinted from khn.org, a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF – the independent source for health policy research, polling, and journalism. Source:

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X factors for every Top 25 team: What could make (or break) the season

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X factors for every Top 25 team: What could make (or break) the season

For every college football team, the season often can swing on one person, position group or situation. If this one thing comes together as planned — or even better than expected — the season could be a big success. If it doesn’t go well, the team’s season could go south.

Though the quarterback position often fills that role, especially when there’s a new player at the helm, other concerns can be shoring up a weakness from last year, incorporating a key transfer or having an important player return from injury.

For the teams in our post-spring Power Rankings, the stakes are particularly high. Spots in the College Football Playoff are on the line, and failure could put coaches on the hot seat.

We asked our college football reporters to provide the biggest X factor — the one thing that could make or break the season — for each of our Top 25 teams.

X factor: QB Drew Allar‘s big-game performances

Penn State enters what appears to be an all-in season, and Allar has the ingredients to be the top NFL quarterback prospect for the 2026 draft. But his play under the brightest of lights has left something to be desired. He hasn’t beaten Ohio State or Michigan, he delivered some good moments in a Big Ten championship game loss to Oregon but was still intercepted twice, and threw the crucial interception in a CFP semifinal loss to Notre Dame. Penn State has made the necessary investments around Allar, who will share a backfield with probably the nation’s top running back tandem. The time has come for the senior to be at his best in the biggest moments. If he delivers, Penn State will have a real chance at its first national title since 1986. — Adam Rittenberg


X factor: Run defense

Though the Tigers have had standout players across their front seven over the past few years, that group has fallen short in one particular area — rush defense — and it became glaring last season. The truth is, its decline began when Wes Goodwin took over as defensive coordinator. In each of his three seasons, the rush defense has gotten worse, culminating in what became a major issue in 2024. Clemson gave up 160.6 yards on the ground, and there isn’t much more proof needed as to how poorly the Tigers attempted to stop the run than their playoff loss to Texas, when the Longhorns rushed for 292 yards. Clemson tackled poorly and often took bad angles. This season Tom Allen takes over after leading one of the best rushing defenses in the country at Penn State. Expect this area to be vastly improved, returning to the standard Clemson set under Brent Venables. — Andrea Adelson


X factor: Middle of the defensive line

Texas has been loaded the past two seasons, but one of the reasons it made back-to-back CFP semifinal trips were the big men in the middle of the defensive line. Giant, athletic space-eaters such as T’Vondre Sweat, Vernon Broughton, Byron Murphy II and Alfred Collins made it tough to push the Longhorns around and freed up others to make plays when they weren’t. But this offseason, Texas had to go searching for big men, landing Syracuse freshman All-American Maraad Watson (6-foot-3, 313 pounds), Cole Brevard (6-3, 333) from Purdue, North Carolina’s Travis Shaw (6-5, 342), and 6-5, 299-pound German Hero Kanu, who arrives from Ohio State. Five-star freshman Justus Terry (6-5, 268) is already on campus and will look to be in the mix along with sophomore Alex January (6-5, 308), who appeared in 11 games last season. The Longhorns have star edge rushers in Colin Simmons, Trey Moore, and do-everything linebacker Anthony Hill Jr. to bring pressure. But opening against Ohio State, then hitting an SEC schedule with so many new faces up front will be a key area for Texas. — Dave Wilson


X factor: WR Colbie Young

Georgia hopes it upgraded its receiver corps by adding Zachariah Branch (USC) and Noah Thomas (Texas A&M), and heralded freshman C.J. Wiley. The return of Young, a senior, might end up being equally important. Young played sparingly last season and was suspended while facing criminal charges involving an alleged domestic violence incident. He reached a plea deal with prosecutors and returned to the team. He’s an outside threat that excels at making contested catches. “Yeah, he gives you problems outside,” Georgia coach Kirby Smart said. “You’re going out there and there’s not a lot of defense you can have for a guy that gets the ball at the highest point and goes up.” — Mark Schlabach


X factor: TE Max Klare

The Buckeyes landed the top tight end in the transfer portal in Klare, who arrived in Columbus from Purdue. Klare caught 51 passes for 685 years and four touchdowns during his sophomore season, easily leading the Boilermakers in those three categories. The 6-foot-4, 240-pound Klare figures to give the Buckeyes a dynamic target over the middle of the field, nicely complementing receiver Carnell Tate and All-American wideout Jeremiah Smith. Klare’s presence should also give Ohio State’s new starting quarterback — whether it’s Julian Sayin or Lincoln Kienholz — a playmaking security blanket early in the season. With Smith set to command attention on the outside, Klare should find plenty of favorable matchups operating inside. — Jake Trotter


X factor: QB Garrett Nussmeier

Quite simply, Nussmeier will determine how far LSU goes in 2025. Recent years have been good to the returning LSU starter — Jayden Daniels being the latest example — and Nussmeier’s stats from last season compare to those of Daniels from 2022 before he won the Heisman Trophy the following year. Brian Kelly did a fantastic job in the transfer portal bolstering the roster, including getting Nussmeier plenty of weapons and added protection. If there were a situation in which a good player becomes great in 2025, it feels as if it’s in Baton Rouge with Nussmeier helping Kelly achieve what he came to LSU to do. — Harry Lyles Jr.


X factor: QB CJ Carr

Carr hasn’t attempted a pass in a game yet at Notre Dame, but the quarterback is facing lofty expectations heading into the 2025 season. Carr, the grandson of former Michigan coach Lloyd Carr, is still locked in a battle with Kenny Minchey for the starting job. Last year’s backup, Steve Angeli, transferred to Syracuse. After redshirting last year because of an elbow injury in his throwing arm, Carr performed well in spring practice. He appears to be the player to beat. The Saline, Michigan, native was ranked the No. 2 pocket passer in the Class of 2024, according to ESPN. With running backs Jeremiyah Love and Jadarian Price returning, along with a good offensive line, the Irish might not need much from Carr. But he’ll have to avoid turnovers and make good decisions while running the offense. — Mark Schlabach


X factor: QB Dante Moore

Dan Lanning’s team is so deep and well rounded that it’s hard to say the Ducks’ success this season will hinge entirely on Moore. And yet, since the Ducks’ lineage of quarterbacks (Justin Herbert, Bo Nix and Dillon Gabriel) has buoyed Oregon’s offense in recent years, Moore has some big shoes to fill. The 20-year-old sophomore spent a year learning under Gabriel and offensive coordinator Will Stein after getting thrown into the fire as a true freshman starter during his lone season at UCLA. This time, the stage will be much bigger and the pressure much higher. — Paolo Uggetti


X factor: QB Ty Simpson

Simpson has waited his turn and had chances to win the quarterback job at Alabama, and now it’s his time unless he takes a step back during preseason camp, which is something nobody at Alabama expects to happen. In his fourth year in the program, Simpson will be starting anew with first-year offensive coordinator Ryan Grubb, but he has the multidimensional skills Grubb likes in his quarterback. Getting off to a good start will be critical for Simpson and the Tide. — Chris Low


X factor: LB Siale Esera

After playing in only five games in each of the past two seasons, Esera’s career hasn’t gotten off to the start many were expecting from the Provo native. But now that he is fully healthy, that should change. Esera emerged from spring ball as a starting linebacker and has drawn rave reviews from both head coach Kalani Sitake and defensive coordinator Jay Hill. At 6-foot-3, 245 pounds, he has both the size and athleticism to become a difference-maker in the Big 12 — and that’s the expectation. — Kyle Bonagura


X factor: OLB Gabe Jacas

Jacas might not be a national name just yet, but he has the skill set to propel Illinois and contend for the sport’s biggest defensive honors. The 6-foot-3, 275-pound Jacas led Illinois in sacks (8), tackles for loss (13), forced fumbles (3) and quarterback hurries (10) last fall, and bypassed the NFL for another chance with an Illini squad that returns most of its core players from a 10-win team. Illinois probably needs to develop more pass-rush punch around Jacas, who was the team’s only consistent threat off the edge last season. The Illini also struggled a bit against good passing offenses. But if Jacas can defeat double-teams, or free up others to pressure quarterbacks, Illinois should have a chance at its first CFP appearance. — Rittenberg


X factor: Wide receivers beyond Jordyn Tyson

Despite sitting out the last two games of the season, Tyson caught 75 passes in 2024. All other Arizona State wide receivers combined for 61 receptions. It was certainly impressive that the Sun Devils managed two great performances at the end of the season without Tyson, but the limitations of the ASU receiving corps ramped up the degree of difficulty for quarterback Sam Leavitt and do-everything running back Cam Skattebo. With Skattebo now in the NFL, some combination of receivers Malik McClain and Derek Eusebio, and incoming transfers Jalen Moss (Fresno State), Noble Johnson (Clemson) and Jaren Hamilton (Alabama) will need to come up big to make sure Leavitt and Tyson have the help they need. — Bill Connelly


X factor: WR Nyck Harbor

No player on South Carolina’s roster looks the part quite like Harbor. He’s 6-foot-5, 235 pounds, built like DK Metcalf and is an absolute rocket. But that speed has been a bit of his downfall through two seasons in Columbia, where he has spent spring as part of the Gamecocks’ track team. Call it a distraction — that’s debatable — but his development on the football field hasn’t been quite as fast as the Gamecocks might have hoped. Harbor has started 13 games over two seasons but caught only 38 passes and three touchdowns. This spring, he focused solely on football, and he says he’s poised for a breakthrough. “Going through a whole year totally committed to football, I’ve never had that before,” Harbor said. “It’s done wonders in my ability to understand the game and build off last year. I’m going to be a whole different player by the time fall rolls around.” — David Hale


X factor: WR Chase Sowell

Sowell steps into a wide receiver room that lost its top two players — Jayden Higgins (second-round pick by the Houston Texans) and Jaylin Noel (third-round pick by the Texans) — leaving a massive production gap on the outside. Sowell was a reliable option at East Carolina the past two seasons — 34 catches, 678 yards in 2024; 47 catches, 622 yards in 2023 — and is expected to offer the Cyclones a much-needed big-play threat. Sowell should benefit from the experience of quarterback Rocco Becht, who will be starting for a third straight season in Ames. — Bonagura


X factor: TE RJ Maryland

For sheer NFL potential, there might not be a better prospect at SMU than Maryland. The tight end has racked up 17 touchdown catches over his first three seasons, but last year was cut short after he was injured in a win over Stanford, sitting out the rest of the season. Maryland should be back to 100% by the start of the 2025 season, and his return comes at a critical time for SMU’s passing game, as six of the other seven Mustangs to reel in at least 200 receiving yards last season are gone. A healthy Maryland creates a clear-cut mismatch and forces defenses to adjust each week. He could be in line for a breakthrough season — and if that happens, the Mustangs’ offense should follow suit. — Hale


X factor: Defensive coordinator Shiel Wood

It really can’t be overstated that this defense has to be better. Texas Tech has been one of the biggest storylines of the college football offseason when it comes to roster building, largely because of the Red Raiders’ willingness to spend money. Wood comes in after tenures as defensive coordinator at Tulane in 2023 and Houston in 2024. On paper, this is a much more talented group. Statistically, it can’t be much worse. But we won’t know until the opening kickoff. — Lyles


X factor: QB Fernando Mendoza

Can Mendoza, a transfer from Cal, take another jump in 2025? Among all the variables that could potentially lift — or let down — the Hoosiers’ in Year 2 under coach Curt Cignetti, none feel more important than this. Mendoza became a beacon of a spirited (if ultimately underwhelming) 6-7 campaign for the Bears last fall, when he completed 68.7% of his passes (12th best nationally among QBs with at least 100 passing attempts) in his first full season as a starter. Mendoza has big shoes to fill after Kurtis Rourke motored Indiana’s record-setting offense to the nation’s second-best points per game tally (41.3) in 2024. But Mendoza should be playing behind a sturdier offensive line in 2025, and there are plenty of playmakers within an intriguing Hoosiers skill position group led by veteran receiver Elijah Sarratt. If Mendoza can find another gear operating a more favorable situation this fall, it could go a long way toward pulling Indiana back into playoff contention. — Eli Lederman


X factor: QB Avery Johnson

The K-State program is obviously in sturdy shape, having won between eight and 10 games for four straight years under Chris Klieman. But when you sign a big-time, blue-chip quarterback such as Johnson (ESPN’s No. 3 dual-threat QB in the 2023 class), you’re giving yourself a shot at a higher ceiling than usual. Johnson’s first season as a starter in 2024 was all over the map — the good was very good, the bad was awfully worrisome — which is how these things usually go. But now he’s entering his junior season, and he has a super explosive skill corps with weapons such as running back Dylan Edwards, receiver Jayce Brown and transfers Caleb Medford (New Mexico) and Antonio Martin Jr. (Southeastern Louisiana). If Johnson is ready to live up to his hype, Kansas State fans could really enjoy 2025. — Connelly


X factor: Health of QB DJ Lagway

Quarterback play at any level of football is more valuable than it has ever been, and a big reason expectations are growing in Gainesville is because of No. 2 for the Gators. Lagway had some shoulder soreness in the offseason that carried over from last year, so he was limited in spring practice and played only five snaps in the spring game. He resumed throwing in late April, and it seems Florida has been cautious in hopes of having him ready to go this fall for a healthy season. — Lyles


X factor: QB Bryce Underwood

Underwood’s high-profile commitment flip from LSU to Michigan was among the biggest recruiting coups yet in the NIL era. The Wolverines also brought in Mikey Keene through the transfer portal. Keene has thrown for 8,245 career yards and 65 touchdowns during stints at Fresno State and UCF. But Underwood has the talent that could turn Michigan into a playoff contender. That’s a lot to ask of a true freshman. But Underwood isn’t an ordinary freshman. The top-rated pocket passer in the 2025 class, Underwood won two state titles in Michigan and went 50-4 as the starter at Belleville High School, with 38 straight victories from Week 4 of his freshman season to the state title game of his junior year. The Wolverines struggled to throw the ball last year. Underwood could immediately change that in 2025 — if he wins the job. — Trotter


X factor: Defensive secondary

Headed into last season, the X factor for Miami was a thin secondary, and that unit ended up having a role in costing the Hurricanes a spot in the ACC championship game. Now, that group should be considered a strength — and the X factor again. If this unit plays the way it is projected to, the Hurricanes will have fixed the biggest issue on their team from a year ago. Miami brought in highly touted transfers Charles Brantley (Michigan State), Xavier Lucas (Wisconsin) and Zechariah Poyser (Jacksonville State), returns FWAA freshman All-American OJ Frederique Jr., and signed several freshmen and others through the portal to build depth. Without question, Miami is far more talented at this position, and that could be the difference between playing for a championship. — Adelson


X factor: Running game

There might not be a better one-two punch at tailback in the country than Louisville’s duo of Isaac Brown and Duke Watson. Among Power 4 backs with at least 60 carries last season, Watson led the nation by averaging 8.9 yards per rush. Brown was fourth at 7.11. Over Louisville’s final eight games of the season, the duo combined for 1,264 rushing yards, 121 receiving yards and 16 scrimmage touchdowns while forcing 43 missed tackles. Plus, the Cards’ O-line should be among the ACC’s best, creating a blueprint for one of the most explosive ground attacks in the country. — Hale


X factor: Running game

The Aggies’ offense will go as far as their running backs take it. Last season, Le’Veon Moss broke out, averaging 6.3 yards a carry with 10 touchdowns, and had been responsible for about a quarter of the offense’s entire production when he was lost for the season because of a knee injury against South Carolina in November. The Aggies, 7-1 going into that game, lost that one, then finished 8-5 without Moss, losing to Auburn, Texas and USC by a combined 16 points to limp to the finish. Freshman Rueben Owens, a star recruit, also missed most of last season because of a foot injury. With Moss and Owens back, along with Amari Daniels, who added 700 yards and eight TDs last year, suddenly A&M has an embarrassment of riches at the position. With the Aggies returning a strong offensive line, offensive coordinator Collin Klein will be able to take some pressure off quarterback Marcel Reed‘s development along with a new group of wide receivers. — Wilson


X factor: WR Cayden Lee

Ole Miss enters the 2025 season with a first-year starter at quarterback in Austin Simmons. Much has been made about the transfers Lane Kiffin brought in at receiver, specifically with De’Zhaun Stribling and Harrison Wallace III. But Lee comes in off of a solid sophomore season, with 874 yards and two touchdowns on 57 receptions. Adding talent in the portal is good, no doubt, but there is value in guys who have (literally) been there and done that. — Lyles


X factor: QB John Mateer

The Sooners swung big in the transfer portal and brought in Mateer (along with his offensive coordinator Ben Arbuckle) from Washington State to bring some life to an offense that finished 97th nationally in scoring offense (24 points per game) and 113th in total offense (313 yards per game) last season. Mateer can beat defenses with his arm and legs. He was the only FBS quarterback last season to pass for more than 3,000 yards (3,139) and rush for more than 800 yards (826), and he accounted for 44 touchdowns (29 passing and 15 rushing). If he plays at a similar level in Norman, the Sooners should be one of the most improved teams in the SEC. — Low

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The anticipated archvillains for every top 25 college football team

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The anticipated archvillains for every top 25 college football team

You know it as soon as the college football schedule drops. The game that’s circled, the player you love to hate, the rival coach who seems to especially delight in destroying your team’s season.

We’re getting into the dog days of summer, with the only relief being the crisp autumn days of the college football season are rapidly approaching. But that means the enemies are lining up at the gates.

Today, we’re doing recon on where each post-spring top 25 team stands and who stands in their way. These are each teams’ potential future villains, the coaches, players and teams that have the chance to make the whole season go south. — Dave Wilson

1. Penn State: Ryan Day

Penn State coach James Franklin and the Nittany Lions have been unable to get over the hump against Ohio State, especially since Day took over in Columbus. The Nittany Lions have dropped six straight to Day, culminating with last year’s defeat, as fourth-ranked Ohio State rallied to topple the third-ranked Nittany Lions in State College 20-13. This season, Day will have a new starting quarterback and inexperience on both sides of the ball coming off last year’s national championship. Penn State will counter with one of the most experienced teams in the country, headlined by veteran quarterback Drew Allar and running backs Nicholas Singleton and Kaytron Allen. Franklin even hired away Day’s defensive coordinator, Jim Knowles. The Nittany Lions travel to Columbus on Nov. 1 in a showdown that figures to carry major playoff implications. — Jake Trotter


Clemson’s arch enemy for this season is obvious: Sellers. The Tigers watched the South Carolina quarterback dodge defenders, break tackles and keep one play after another alive last season in a stunning Gamecocks win that nearly derailed Clemson’s season. Clemson will be looking for revenge, of course, but new defensive coordinator Tom Allen will be more focused on finding answers for the elusive Sellers. There are lofty expectations at Clemson this season, and the Tigers don’t necessarily need a win over South Carolina to achieve them, but nobody will sleep soundly in the state if the 2025 defense coughs up another win to its biggest rival. — David Hale


3. Texas: Oklahoma

In Week 1, the Longhorns get a rubber match against an Ohio State team that eliminated Texas from the playoff last season, but the results of this game leave a lot of runway for either team to get back into this year’s postseason. Yet, there is no bigger test every year for Texas than Oklahoma in Dallas. This one’s a bit of a mystery, with the Sooners bringing in new offensive coordinator Ben Arbuckle and quarterback John Mateer, who played high school football in the Dallas area, from Washington State. The new-look Sooners could either be a launching point or a big speed bump in the SEC schedule for a Longhorns team with national championship aspirations. — Dave Wilson


4. Georgia: Alabama

The last coach Georgia fans ever wanted to see on the other sideline is doing television. Nick Saban was 5-1 against Kirby Smart, but even with Saban in his first year of retirement last season, Alabama still beat Georgia in a wild 41-34 game in Tuscaloosa the final weekend of September. Georgia has lost nine of the past 10 games in the series and hasn’t beaten Alabama in the regular season since 2007, Saban’s first season in Tuscaloosa, when the Mark Richt-coached Bulldogs won 26-23 in overtime. Georgia has vaulted to elite status under Smart, but a second straight loss to DeBoer — especially with this year’s game being played in Athens — wouldn’t sit well with anybody in Athens. — Chris Low


5. Ohio State: Sherrone Moore

Michigan coach Sherrone Moore has become a problem for the Buckeyes. He might not wear the villain outfit quite as well as predecessor Jim Harbaugh did, but Moore’s rise in coaching — as Wolverines offensive line coach, offensive coordinator and now head coach — has coincided with Ohio State’s longest losing streak (four games) to its archrival since 1991. Moore served as acting head coach during Harbaugh’s Big Ten-imposed suspension in 2023, as Michigan punched its ticket to the Big Ten championship game. He then earned the permanent role and pulled off one of the more stunning upsets in the history of The Game in November in Columbus. The story of Moore’s coaching career at Michigan is really just beginning, but he has already demonstrated his ability to win the biggest games. — Adam Rittenberg


6. LSU: Daytime home games

LSU fans have been known to curse day games, especially in the sweltering September heat. It’s at night when Tiger Stadium (and typically LSU’s football team) shines. In 2025, the only SEC home game that LSU will definitely play at night is the league opener against Florida on Sept. 13. Home games against South Carolina and Texas A&M fall into the “flex” window, meaning they could start as early as 3:30 p.m. ET or as late as 8 p.m. ET. Since 2000, LSU is 112-15 in Saturday night home games at Tiger Stadium. Brian Kelly has faced just two nationally ranked SEC opponents in day games at Tiger Stadium and is 1-1. — Low


7. Notre Dame: Miami

No Notre Dame players were alive for the 1988 clash with Miami, and Fighting Irish coach Marcus Freeman was only 2 years old. But longtime Domers will always view the U as a true villain, and new Miami quarterback Carson Beck, the transfer from Georgia, sparks a range of reactions. Notre Dame scored a signature win in the CFP semifinal at the Sugar Bowl against a Georgia squad that had lost Beck to injury. When healthy, Beck is talented enough to villainize a Notre Dame defense replacing standouts Xavier Watts, Jack Kiser, Rylie Mills and others and appearing in its first game under new coordinator Chris Ash. Early season games are one of the only knocks against Freeman, who has dropped at least one September game in each of his three seasons as Irish coach. Notre Dame needs a strong start with its two most talented opponents — Miami and Texas A&M — leading off the schedule. — Rittenberg


8. Oregon: Ohio State

Is it too simple to say Ohio State? Maybe just Jeremiah Smith after he caught seven passes for 187 yards and two touchdowns in the Rose Bowl drubbing that the Buckeyes put on the Ducks to end their undefeated season? The good news for Dan Lanning & Co. (or bad depending on how you look at it) is that Oregon will not face Ohio State in the regular season this season and a rematch could only occur in the Big Ten title game or in the College Football Playoff. Penn State enters the fray this season as a much-hyped conference contender that the Ducks will have to face and yet it feels like Oregon and Ohio State are still the cream of the crop for the conference and are likely to continue seeing each other on the sport’s biggest stages. — Paolo Uggetti


9. Alabama: Vanderbilt

Remember when Saban won 100 straight games against unranked opponents, the longest such streak in the AP poll era? Now, all of a sudden, the Crimson Tide are 2-3 against their past five unranked foes, a stretch that started with a stunning 40-35 loss at Vanderbilt last season, which came only a week after DeBoer beat No. 2-ranked Georgia in his SEC opener as Alabama’s head coach. It was the first time Alabama had lost to Vanderbilt since 1984. Alabama will get its shot at payback this season on Oct. 4 when Vanderbilt visits Bryant-Denny Stadium. The loss to Vanderbilt a year ago ignited what was the first three-loss regular season for Alabama since 2010. Judging by some of the comments from Alabama players this offseason, nobody will need to remind the Tide when the Commodores are coming to town. — Low


10. BYU: Utah

It’s always Utah. The “Holy War” frequently manages to surprise us. A year ago, BYU was coming off a 5-7 season and Utah was considered the Big 12 favorite. This time, we have a full reversal: The Utes are the ones coming off a disappointing 5-7 campaign and the Cougars are ranked the highest of any Big 12 team on this list. (Granted, this ranking doesn’t account for the sudden uncertainty BYU is dealing with at the QB position.) We’ll already have a decent idea of BYU’s capabilities by the time Utah visits Provo in Week 8, but the Holy War could serve as a Big 12 title elimination game, and it will definitely impact the tenor of the season for both teams. It always does. — Connelly


Purdue didn’t generate many highlights in 2024, but it gave Illinois a major scare at Memorial Stadium, erasing a 24-3 deficit to force overtime before falling 50-49. Among the Boilermakers’ stars that day was tight end Max Klare, who recorded his first 100-yard receiving performance, finishing with 133 yards on six catches. Klare, like most of Purdue’s best players, transferred following the team’s coaching change. He landed at Ohio State, which will visit Memorial Stadium on Oct. 11. Illinois certainly will be aware of Klare but also must contain Heisman Trophy contender Jeremiah Smith and several other standout wide receivers, if it wants any chance at knocking off the defending national champions. — Rittenberg


12. Arizona State: Regression

Arizona State had one of the hottest teams in the country at the end of 2024 and returns far more of last year’s production than most. The Sun Devils appear primed for a run at a repeat Big 12 title. The problem: No one repeats in the Big 12. ASU’s biggest archrival could simply be regression to the mean. Among current members, the past six teams to reach the Big 12 championship before 2024 — 2020 Iowa State, 2021 Baylor, 2021 Oklahoma State, 2022 Kansas State, 2022 TCU and 2023 Oklahoma State — went a combined 28-9 in one-score finishes during their title runs. The following seasons, they went a combined 9-22 in such games. ASU went 6-2 in one-score finishes last season. It’s really hard to do that twice in a row, and in the Big 12 it appears impossible. — Connelly


13. South Carolina: LSU

South Carolina has its share of hated rivals — Georgia, Clemson, anyone else who plays “Sandstorm” during timeouts — but as the Gamecocks look to make a playoff run in 2025, enemy No. 1 might well be LSU. The Bayou Bengals have dominated South Carolina over the years, holding an 18-2 all-time record and winning eight straight matchups dating to 1995. More recently, LSU escaped Columbia with a 36-33 win last season in which the Gamecocks blew a four-point lead with less than 2 minutes to play. That loss ultimately cost South Carolina a playoff bid, but the Gamecocks feel certain they’re a far better team than they were then. If they can exact some revenge this time, it’ll be a big step toward reaching those lofty goals. — Hale


14. Iowa State: Kansas State

There’s no such thing as a Week 0 elimination game, but we get the closest thing to it in Dublin to start the 2025 season. The annual (for now) Farmageddon battle between ISU and Kansas State will take place in particularly green pastures this time, and it will pit two preseason top 20 teams with major Big 12 title hopes. Last year, the Cyclones’ defense played a perfect fourth quarter against the Wildcats, allowing just one yard in 12 snaps to win 29-21 and advance to the conference title game. This time, someone will be 0-1 in conference play before Week 1 even arrives. This is about as big a season opener as you could hope for. — Connelly


15. SMU: TCU

SMU was 3-17 against TCU coaches in the Dennis Franchione/Gary Patterson era, then Sonny Dykes won two straight against the Frogs in Dallas. Once he defected for the purple pastures of Fort Worth, he then won his first two against the Mustangs. Last year, however, SMU got its revenge in a 66-42 pummeling of TCU in a game in which Dykes was ejected. This year, the two teams, which have met 103 times, are scheduled for their last Iron Skillet game for the foreseeable future. This one will have some heat. — Wilson


16. Texas Tech: Baylor

Red Raiders coach Joey McGuire got his start in college coaching at Baylor under Matt Rhule and was promoted under Dave Aranda. He left in midseason in 2021 when he got the Tech job. While trying to right the ship in Lubbock, he’s gone 1-2 against Aranda, including a 59-35 home loss last season. Since Mike Leach was fired, the Red Raiders are 5-10 against the Bears, a team they’ll need to eclipse with their big ambitions to sit atop the Big 12. — Wilson


17. Indiana: UCLA

Coach Curt Cignetti and the Hoosiers did a great job of retaining players and coaches from a 2024 team that won a school-record 11 games and reached the CFP. But two who got away — a coach and a player — landed with UCLA, which visits Indiana on Oct. 25. New Bruins offensive coordinator Tino Sunseri coached Indiana quarterback Kurtis Rourke last year and had spent the previous three seasons on Cignetti’s staff at James Madison. He might know the secrets to attacking Indiana’s defense. Defensive back Jamier Johnson transferred from Indiana to UCLA after recording 35 tackles and an interception last fall for the Hoosiers. Johnson, who began his college career at Texas, will be part of a reshaped UCLA secondary. — Rittenberg


18. Kansas State: Iowa State

As mentioned above, it’s all about the season opener against Iowa State. It will be the first opportunity for quarterback Avery Johnson and K-State to prove that last year’s all-or-nothing offense has matured a bit. The Wildcats averaged 37.6 points in wins and only 15.8 in losses. They scored TDs on 75% of red zone drives in wins and 42% in losses. They committed more turnovers in the four losses (nine) than in the nine wins (seven). You could almost say that this means K-State’s biggest archrival is K-State. Regardless, Week 0 is enormous. Turnovers and later-down failures cost it dearly against Iowa State last season, and it gets an immediate opportunity to right one of 2024’s wrongs. — Connelly


19. Florida: Georgia

Florida has plenty of teams it considers rivals, but only one on the schedule this season has beaten the Gators four years in a row. That would be Georgia, which has absolutely dominated them since Kirby Smart took over the program in 2016. Smart is 7-2 against Florida, and just like that record, has finished ahead of Florida in the SEC standings seven times. We all know the Gators closed last season strong with big wins over LSU and Ole Miss, but the true litmus test for where this program is — and whether it can return to elite status under coach Billy Napier — is the Georgia game. — Adelson


20. Michigan: Ohio State

Even though the Wolverines have won four straight in the series, Ohio State remains Michigan’s archvillain for obvious reasons. The Buckeyes rattled off eight straight wins before Michigan coach Jim Harbaugh turned the tide in 2021 with the first of the four straight victories. Coach Sherrone Moore salvaged an up-and-down, first full season with a stunning 13-10 victory over Ohio State in Columbus last year. Much of that Ohio State national championship team has moved on to the NFL. But the postgame flag-plant fracas at the Horseshoe last year reinforced why this bitter rivalry has never carried more vitriol for either side. The last thing the Wolverines want this season is to watch Ohio State return the favor by planting its flag on the Block M at the Big House. — Trotter


21. Miami: Syracuse

Georgia Tech is not on the schedule this year or that would be the slam dunk choice. We could go with the obvious “traditional arch nemesis” Notre Dame, which is visiting South Florida for the first time since 2017. But there is another team that gets to wear the villain hat, if only for this season: Syracuse. That’s right, the team that beat Miami 42-38 in the 2024 regular-season finale to keep the Hurricanes out of the ACC championship game visits Hard Rock Stadium on Nov. 8. While both rosters have turned over since that game, the head coaches remain the same and there might be some added fuel to the fire. — Adelson


22. Louisville: Kentucky

In 2022, Louisville was 10-1 and favored against rival Kentucky. The Cardinals lost. In 2021, they were 7-4 and lost. It was an all-too-familiar story. Since 2016, Louisville has lost as a favorite against its rival three times — often sullying otherwise impressive seasons. Last year, the Cardinals had no such worries as they beat up on the Wildcats, who were slogging through a down season, but Jeff Brohm & Co. know the history too well to assume that will be the start of a trend. There are tougher and bigger games on Louisville’s schedule this season, but none that will mean more than beating those hated Cats. — Hale


23. Texas A&M: Steve Sarkisian

Sarkisian has done a masterful job reloading Texas to meet its potential. Last year, he took the Longhorns into Kyle Field and spoiled the Aggies’ chances of getting into the SEC championship game, and this year, A&M visits Austin for the first time since 2010 where Arch Manning hysteria dominates the headlines and the Longhorns will be seeking a coronation for a playoff run. Sarkisian, an avowed fan of college rivalries and traditions, will look to push all the right buttons to ignite his team. — Wilson


24. Ole Miss: Mississippi State

Don’t get anybody in Oxford started on those “dreaded” cowbells clanging away from fans of the “school down south.” That school being bitter rival Mississippi State, whose former coach, Dan Mullen, used to refer to Ole Miss as the “school up north.” Either way, nobody in the SEC is particularly fond of the Mississippi State cowbells, in no way a banned artificial noisemaker. Yes, that’s a joke. But to Ole Miss fans, they would rather hear nails scratching on a chalkboard. The good news for the Rebels is that they’ve lost only once in the past five games between the schools but will get a heavy dose of the cowbells this Nov. 28 in Starkville. — Low


25. Oklahoma: Texas

In the Wishbone era, and then once again after Bob Stoops took over then ceded way to Lincoln Riley, the Oklahoma quarterback position made college football kings. In recent years, Landry Jones, Baker Mayfield, Kyler Murray, Jalen Hurts, Caleb Williams and Dillon Gabriel all put up huge numbers. But the Sooners have fallen back a little and Texas is rolling into the Cotton Bowl with its own football royalty in Arch Manning. Oklahoma needs to right the ship, and all eyes will be on Dallas and where the program stands in the SEC era. — Wilson

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Amid hype, Manning keen to ‘play ball,’ prove self

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Amid hype, Manning keen to 'play ball,' prove self

ATLANTA — Texas quarterback Arch Manning comfortably weaved his way through SEC media days Tuesday, generating the type of attention garnered by recent superstars such as Tim Tebow and Johnny Manziel.

On the cusp of his first season as a full-time starter, Manning handled questions with ease, showcasing a deprecating wit and pointing out that his coronation as a superstar isn’t yet based on performance.

“It’s weird,” Manning told ESPN. “I really haven’t deserved any of this, so just trying to play along and play ball.”

Manning has started two games for the Longhorns and has 250 snaps in his career, meaning there’s a disconnect between production and expectations. But college football has long been fueled by emotion, and Manning’s background, recruiting hype and the flashes of talent he’s shown on the field at Texas have yielded a frenzy.

Manning’s appearance here came with an appreciation for the moment. His grandfather, Archie Manning, played quarterback at Ole Miss, and his Super Bowl champion uncles, Peyton (Tennessee) and Eli (Ole Miss), also starred in the SEC. He grew up in New Orleans going to games at Ole Miss and LSU, and he carries with him a deep appreciation for the history of the conference.

“It means everything,” Manning said. “I mean, my family has played in SEC, I grew up going to SEC games wanting to be a part of it. So now getting to represent at SEC media day, it’s kind of a dream. I know I haven’t done anything in the SEC yet, but that’s the goal.”

Manning’s first game as Texas’ full-time starter will be at Ohio State, the defending national champion, in Week 1. The Aug. 30 showdown promises to be a rollicking scene for his full reveal to the football world — high stakes, packed stadium and surrounded by a lot of unknowns on two talented rosters that have dealt with significant turnover.

“Any time you get to open with the champs at their place is going to be a hell of a challenge, and I think we’re excited for it,” Manning said. “They’ve got a lot of good players, new defense coordinator, Matt Patricia, which will be interesting. So we’re excited. It’s going to be a fun challenge. Glad I get to get a good one first.”

In a small nod to the sensation around Manning, veteran Texas media communications director John Bianco accompanied him to his interviews Tuesday. Normally, Bianco would go with the head coach, but the audible provided a small nod to the need for an experienced traffic cop among the 1,200 credentialed media here.

Manning appeared nonplussed by the attention, with his demeanor an endearing mix of Southern “aw shucks” and quiet confidence. Dealing with attention has been a big part of his life considering his famous football family, and that led in part to him choosing Texas for college.

“I think that was the cool thing, kind of why I chose Texas, in part, is because Austin’s a big city,” he said. “You can kind of go places where no one really knows where you are. I don’t know if that was possible in Tuscaloosa or Oxford.”

Manning did say that early on in college it proved an adjustment going to class and getting asked for pictures or to sign autographs. Manning quickly found an antidote to that problem.

“I usually just call my mom,” he said. “A lot of the time I’d be like [uh huh], and she wouldn’t be saying anything.”

That will be part of life, as nearly a dozen autograph seekers were waiting at the hotel here at media days and sprinted to the SUV when the Texas contingent got out.

Longhorns coach Steve Sarkisian is bullish on Manning, who was a five-star quarterback in the class of 2023 — ESPN’s No. 5 overall prospect — and backed up Quinn Ewers the past two years. He pointed out that Manning has “some swag” that he’s shown in celebrating touchdowns the past two years. He’s also excited that Texas’ defense is the most talented of any during his tenure, which should ease the pressure of Manning’s transition.

Manning threw nine touchdowns in 10 games last year and rushed for four additional ones. He started games against Louisiana-Monroe and Mississippi State when Ewers was injured and threw four touchdowns in a relief appearance against UTSA.

Sarkisian also used him intermittently in short yardage situations to exploit his athleticism. Manning joked about his “welcome to the SEC moment” coming in the regular season against Georgia when he got “hawked down” by Bulldogs star Jalon Walker.

Sarkisian pointed out that Manning has captured the Texas locker room by being relatable, as he “makes sense to them.”

“He doesn’t think he’s more than he is, doesn’t walk around pointing at the name on the back of his jersey,” Sarkisian said. “He’s just an easygoing guy. He’s very relatable. He’s a good teammate with a really good sense of humor that works extremely hard, and he works extremely hard because he wants to be really good. He’s not doing it for anybody else.”

The anticipation around Manning is such that there’s speculation he could be a high pick in the 2026 NFL draft. That route would be counter to what Peyton and Eli did, as they played out their college careers, in part to fully develop. The early NFL expectation in front offices is that Arch is likely to play two seasons in college.

Manning politely ducked a question about his future Tuesday, and Sarkisian said he hopes the QB is productive enough to have to make an NFL decision.

“I just want the guy to have a really good season this year, and we will cross that bridge when it comes,” Sarkisian said. “I hope he has a really hard decision to make because that probably means he played really good.”

In retrospect, Manning said he’s grateful his two years as a backup allowed him to develop and appreciative that he’s remaining in the same system all three seasons.

He said Tuesday that he’s been off all social media for the past two days, the by-product of a friendly bet with a friend. He called it “healthy,” as he said he wasn’t searching for anything about himself, rather “just scrolling.”

As he prepares to take over as the face of the Texas program, Manning reflected on guidance from his grandfather.

“I get a lot of advice,” he said, “but I think the one thing that I kind of keep coming back to is my grandfather always tells me to be a good guy and be a good teammate, so I think I’m going to do that.”

He then referenced how his father, Cooper, had his career ended as an Ole Miss receiver because of health issues.

“Obviously, my dad’s career got cut short, so I try to not take anything for granted,” he said. “Take the media days, the hard runs, the time in the locker room and time on the team bus and just cherish those moments.”

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