by Mike Keretz | Sep 25, 2026 | Uncategorized
If you miss ACA Open Enrollment, which runs from November 1 to January 15, you generally can't enroll in a Marketplace plan until the next annual window unless a qualifying life event gives you a Special Enrollment Period. After January 15, coverage is generally...
by Mike Keretz | Sep 24, 2026 | Uncategorized
In 2026, bronze selections rose from 30% to 40% of marketplace enrollment while silver selections fell from 57% to 43%, according to KFF's analysis of marketplace deductibles and enrollment. The shift followed the expiration of enhanced tax credits, but it...
by Mike Keretz | Sep 23, 2026 | Uncategorized
“No exam” is the most misleading phrase in life insurance marketing. It sounds like the insurer asks nothing, checks nothing, and approves everyone. In reality, whole life insurance no exam usually removes the nurse visit, needles, urine sample, and bloodwork, but it...
by Mike Keretz | Sep 22, 2026 | Uncategorized
You're 60, still working, and wondering whether the life insurance policy you bought years ago is enough. Maybe the mortgage isn't gone, your spouse depends on your income, or you're self-employed without employer coverage. Perhaps you're single,...
by Mike Keretz | Sep 21, 2026 | Uncategorized
Some families are one missed paycheck away from stress. Others are doing okay month to month, but they know the whole plan depends on one person keeping income coming in. Maybe that's your house right now. One parent drives for work or works construction. The...
