by Mike Keretz | Jan 23, 2026 | Uncategorized
The Premium Tax Credit (PTC) can feel like a complicated government term, but it's actually one of the most powerful tools for making health insurance affordable. Think of it as a helping hand from the government, specifically designed to bring down the monthly...
by Mike Keretz | Jan 22, 2026 | Uncategorized
When you first look at a health insurance plan, one of the first—and most confusing—terms you’ll run into is the deductible. Getting this one concept right is the key to understanding how your plan really works and avoiding those dreaded surprise medical bills. So,...
by Mike Keretz | Jan 21, 2026 | Uncategorized
If you’ve ever felt like finding a good primary care doctor is harder than it should be, you’re not imagining it. It’s a maze of insurance networks, confusing credentials, and hoping you find someone you actually connect with—all while facing months-long waiting...
by Mike Keretz | Jan 20, 2026 | Uncategorized
For most early retirees, the single best health insurance option is usually an ACA Marketplace plan. Why? It offers solid, comprehensive benefits and, more importantly, can come with income-based subsidies that make it much more affordable. But it's not the only...
by Mike Keretz | Jan 19, 2026 | Uncategorized
Short-term health insurance is all about having a financial safety net when you’re between major health plans. Think of it as a cost-effective bridge—it’s there to protect you from catastrophic hospital bills, not for routine checkups. It’s a popular choice for people...
by Mike Keretz | Jan 18, 2026 | Uncategorized
So, what exactly is an insurance binder? Think of it as a temporary, legally binding document that proves you have insurance coverage while the official, formal policy is still being prepared. It’s like a VIP pass that gives you immediate protection for big life...
by Mike Keretz | Jan 17, 2026 | Uncategorized
The biggest difference between an insurance agent and a broker all comes down to a single question: who do they work for? An insurance agent works for an insurance company. They're contracted to offer that specific carrier's products. On the other hand, an...
by Mike Keretz | Jan 16, 2026 | Uncategorized
The core difference really boils down to this: term life insurance is pure, straightforward protection for a set amount of time. It’s perfect for temporary responsibilities, like making sure your mortgage gets paid off if something happens to you. On the other hand,...
by Mike Keretz | Jan 15, 2026 | Uncategorized
For most people, the magic number for ACA Marketplace plans is January 15th. If you get health insurance through your job, you're likely looking at a fall deadline. And for Medicare, the big date is December 7th. Miss these windows, and you could be locked out of...
by Mike Keretz | Jan 14, 2026 | Uncategorized
When it comes to your family's future, one of the kindest things you can do is plan for the costs you’ll leave behind. Using life insurance for funeral costs is a smart, compassionate way to shield your loved ones from a huge financial hit during an already...
