by Mike Keretz | Nov 26, 2025 | Uncategorized
Think of your health insurance deductible as the amount you have to pay for your medical care before your insurance company starts chipping in. It’s your share of the deal, the initial hurdle you clear each year. Once you’ve paid that specific amount out-of-pocket for...
by Mike Keretz | Nov 25, 2025 | Uncategorized
So, you have a Health Savings Account (HSA) and you're wondering what you can actually spend that money on. The short answer? A lot more than you probably think. Your HSA is a dedicated, tax-free fund for a huge range of qualified medical expenses. This covers...
by Mike Keretz | Nov 24, 2025 | Uncategorized
When you hear the acronyms HDHP and CDHP thrown around, it's easy to think they're the same thing. Many employers even use the terms interchangeably, which only adds to the confusion. But there's a key difference, and understanding it is the first step to...
by Mike Keretz | Nov 23, 2025 | Uncategorized
A self-funded insurance plan is a bit of a game-changer. Instead of paying a fixed premium to an insurance carrier every month, your company takes on the direct financial risk for your employees' healthcare. You set aside your own funds to pay for medical claims...
by Mike Keretz | Nov 22, 2025 | Uncategorized
When you start looking into term life insurance, one of the first questions is always, "How much is this going to cost?" The short answer: for a healthy 40-year-old, a 20-year, $500,000 policy often lands somewhere around $25-$35 per month. But that's...
