by Mike Keretz | Nov 8, 2025 | Uncategorized
So, you’re dreaming of early retirement. The freedom, the travel, the time to finally do what you want. But there’s one big question that can put a damper on the excitement: what about health insurance? It's a real hurdle, but one you can absolutely clear....
by Mike Keretz | Nov 7, 2025 | Uncategorized
The best insurance for a self-employed professional isn't just one policy. It's a smart combination of health, liability, and disability coverage. The right mix for you comes down to your industry, how much you earn, and the unique risks you take on as your...
by Mike Keretz | Nov 6, 2025 | Uncategorized
When you're your own boss, the single best thing you can do for your future is to open a tax-advantaged retirement account—like a SEP IRA or Solo 401(k)—and put your contributions on autopilot. It’s a simple strategy that ensures you're consistently saving for...
by Mike Keretz | Nov 5, 2025 | Uncategorized
Diving into the world of life insurance can feel like learning a new language, but it really boils down to one simple question. Do you need protection for a specific time, or for your entire life? That’s it. Every policy out there falls into one of two buckets: Term...
by Mike Keretz | Nov 4, 2025 | Uncategorized
So, what exactly is a High Deductible Health Plan, or HDHP? Think of it as a health insurance plan that flips the usual payment structure on its head. You get to pay a much lower monthly bill (your premium), but in exchange, you agree to cover a higher amount of your...
by Mike Keretz | Nov 3, 2025 | Uncategorized
When it comes to Medicare, you’ll hear a lot of new terms. But few are as important as "creditable coverage." Getting this one right can save you from a lifetime of penalties. So, what is it? Think of it as a "hall pass" from Medicare. In simple...
by Mike Keretz | Nov 2, 2025 | Uncategorized
Losing your job is stressful enough without having to worry about your health coverage. But here's the most important thing you need to know: you get a 60-day window to find a new plan. This is called a Special Enrollment Period (SEP), and it's your golden...
by Mike Keretz | Nov 1, 2025 | Uncategorized
Before you book that appointment or give the green light for a repair, there's one small but crucial step you can't afford to skip: verifying your insurance coverage. Overlooking this can turn a simple doctor's visit or a minor car repair into a massive...
by Mike Keretz | Oct 31, 2025 | Uncategorized
Life happens. We’ve all been there—a bill gets misplaced, a due date slips our minds, or money is just a little tight one month. When it comes to your insurance, a small mistake like a late payment could leave you dangerously unprotected. That's where the grace...
by Mike Keretz | Oct 30, 2025 | Uncategorized
Trying to make sense of your health insurance policy can feel like you’re decoding a secret language. But when it comes to managing your out-of-pocket costs, two terms are absolutely essential to understand: copay and deductible. At first glance, they might seem...
