by Mike Keretz | Jul 21, 2026 | Uncategorized
You finally land the job you've been chasing. The client likes your bid. The scope is solid. The schedule works. Then the contract shows up, and suddenly you're staring at pages of insurance language that feel written for a lawyer instead of a contractor. You...
by Mike Keretz | Jul 20, 2026 | Uncategorized
The federal fine for not having health insurance is $0, but California, Massachusetts, New Jersey, Rhode Island, and Washington, D.C. still enforce their own penalties, and auto insurance penalties are a separate issue that remain active in most places. If you're...
by Mike Keretz | Jul 19, 2026 | Uncategorized
Yes, you can change your health insurance plan, but usually only during Open Enrollment, which typically runs from November 1 to January 15 for Marketplace coverage, or during a 60-day Special Enrollment Period if you have a qualifying life event. If you're still...
by Mike Keretz | Jul 18, 2026 | Uncategorized
Primary insurance is the policy that pays first on a claim, like the captain of a team taking the first move before any backup steps in. In Social Security, the phrase can also mean your Primary Insurance Amount, and for 2026 that amount is built from 90% of the first...
by Mike Keretz | Jul 17, 2026 | Uncategorized
Uber doesn't offer traditional employer-sponsored health insurance to U.S. drivers because drivers are classified as independent contractors, not employees. What Uber does offer in some situations is accident-related coverage, and if you're in California there...
by Mike Keretz | Jul 16, 2026 | Uncategorized
You're probably here because life insurance has moved from “I should get to that someday” to “I need to handle this now.” Maybe you bought a house. Maybe you've got kids. Maybe your income supports people who'd be in real trouble if it disappeared....
by Mike Keretz | Jul 15, 2026 | Uncategorized
You're ready to buy life insurance on someone important to you. Maybe it's your partner, your adult child who still shares household bills, or the business partner who keeps your shop running. Then the application hits a question that feels oddly legal for a...
by Mike Keretz | Jul 14, 2026 | Uncategorized
You buy life insurance for one reason. You want the people you love to be protected when you're no longer here. For a lot of families, that moment starts with relief. The application is done. The premium fits the budget. A spouse feels safer. A parent feels like...
by Mike Keretz | Jul 13, 2026 | Uncategorized
If you're already getting Social Security before age 65, you'll usually get your Medicare card three months before your 65th birthday month. If you have to sign up yourself, the card typically arrives about two weeks after your application is approved, and the...
by Mike Keretz | Jul 12, 2026 | Uncategorized
You're at the doctor's office, the visit is over, and then the billing question lands. You have insurance through your job. You're also listed on your spouse's plan. Or maybe you're retired before Medicare age and carrying coverage from more than...
