by Mike Keretz | Aug 20, 2026 | Uncategorized
You're 63, working as a 1099 contractor, and your health insurance comes through no employer. Or you're helping a parent who's still working, covered by a company plan, and convinced Medicare can wait. The paperwork looks simple until you notice that Part...
by Mike Keretz | Aug 19, 2026 | Uncategorized
An HDHP, or high-deductible health plan, has a minimum deductible of $1,700 for individual coverage or $3,400 for family coverage in 2026, paired with an out-of-pocket maximum cap, and it qualifies you to open a tax-advantaged Health Savings Account. It generally...
by Mike Keretz | Aug 18, 2026 | Uncategorized
You're looking at two health plans. One takes less from your bank account every month but leaves you facing a large bill when you need care. The other costs more before you ever visit a doctor, then asks you to pay less when treatment begins. The cheaper plan may...
by Mike Keretz | Aug 17, 2026 | Uncategorized
You're comparing Connecticut health insurance quotes online, and the numbers look impossible to reconcile. One plan shows a premium that seems far beyond your budget, while another appears affordable until you check the deductible, doctors, and prescriptions. Then...
by Mike Keretz | Aug 15, 2026 | Uncategorized
Most Medicare supplement advice starts with the wrong question: Can you get approved? In Vermont, that concern often takes a back seat. The state's community-rating and guaranteed-issue rules make coverage more accessible, so the smarter question is how to find...
by Mike Keretz | Aug 14, 2026 | Uncategorized
Yes, standard term life insurance expires. When the term ends, coverage stops if the insured is still alive, and you have to take an explicit action, like renewing, converting, or replacing the policy, if you want protection to continue. That's the conversation...
by Mike Keretz | Aug 13, 2026 | Uncategorized
The life insurance contestability period is usually a two-year window that starts on the policy's effective date, not the date you applied, and it gives the insurer time to investigate and deny a claim if the application contained material misrepresentation. If a...
by Mike Keretz | Aug 12, 2026 | Uncategorized
You're staring at a treatment plan, a pharmacy receipt, and a device you can't afford. Maybe it's for your child's asthma flare, maybe it's for your own breathing treatments, and maybe you've already learned the annoying truth, the machine is...
by Mike Keretz | Aug 11, 2026 | Uncategorized
The out-of-pocket maximum is the most you'll pay in a year for covered, in-network medical services before your plan pays 100% of remaining covered costs. In the ACA marketplace, that cap is $10,600 for individuals and $21,200 for families in 2026 (Healthcare.gov...
by Mike Keretz | Aug 10, 2026 | Uncategorized
A freelance designer who loses a client, a contractor whose hours keep changing, and a 63-year-old retiree who is still a year or two away from Medicare can all end up in the same place, looking for coverage that does not depend on a full-time employer. Marketplace...
