by Mike Keretz | Feb 6, 2026 | Uncategorized
Choosing between a PPO and an HMO really comes down to one big question: What do you value more, flexibility or cost? A PPO gives you more freedom to choose your doctors and see specialists whenever you want, no referral needed. But that freedom usually comes with a...
by Mike Keretz | Feb 5, 2026 | Uncategorized
Yes, you absolutely can get health insurance with a pre-existing condition. In fact, it's illegal for most major health plans to turn you away or charge you more because of your health history. Thanks to the Affordable Care Act (ACA), conditions like diabetes,...
by Mike Keretz | Feb 4, 2026 | Uncategorized
If you've recently lost your job, the first question on your mind is often about health insurance. The simple, hard truth about COBRA is this: you’ll be paying 102% of the full premium. That includes the portion you paid as an employee and the much larger share...
by Mike Keretz | Feb 3, 2026 | Uncategorized
When you're self-employed, you're not just the CEO—you're also the entire HR department. That can feel a little daunting, especially when it comes to health insurance. Without a company plan to fall back on, it's on you to build a financial safety net...
by Mike Keretz | Feb 2, 2026 | Uncategorized
Shopping for life insurance isn't just about finding the cheapest monthly premium. It’s about digging deeper to find the right protection. That means getting honest about your family's financial needs, understanding the real differences between policies like...
