by Mike Keretz | Jun 10, 2026 | Uncategorized
You left your job, landed your first few clients, and suddenly one awkward question keeps following you around: “What am I doing for insurance now?” When you had a W-2 job, benefits sat in the background. Premiums came out of your paycheck. HR handled enrollment. If...
by Mike Keretz | Jun 9, 2026 | Uncategorized
You're probably staring at two plan choices that seem unfair. One option has the doctors and flexibility you want, but the premium feels heavy every month. The other promises lower premiums and the tax perks of an HSA, but the deductible looks high enough to ruin...
by Mike Keretz | Jun 8, 2026 | Uncategorized
If you're shopping for health insurance in Pennsylvania right now, there's a good chance you've had the same reaction many people had when their 2026 options came up on screen. The monthly premium didn't just rise a little. It jumped enough to force a...
by Mike Keretz | Jun 7, 2026 | Uncategorized
Original Medicare generally does not cover routine dental care like cleanings, fillings, extractions, dentures, or implants, so many people end up paying 100% out of pocket for those services. But there are a few important exceptions, and there are other ways to get...
by Mike Keretz | Jun 6, 2026 | Uncategorized
The first week of self-employment can feel great. You set your own schedule, choose your clients, and stop asking permission to take a Tuesday afternoon off. Then the practical stuff shows up. No HR portal. No benefits packet. No open enrollment reminder in your...
