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...
by Mike Keretz | Aug 9, 2026 | Uncategorized
Yes, Medicare covers medically necessary urgent care through Part B. In 2026, the Part B deductible is $283, then you typically pay 20% of the Medicare-approved amount under Original Medicare, or a flat copay if you're in Medicare Advantage. That answer matters...
by Mike Keretz | Aug 8, 2026 | Uncategorized
A life insurance medical exam usually takes about 20 to 30 minutes and collects your height, weight, blood pressure, pulse, blood, and urine. If you choose a no-exam option, insurers can still gather much of the same picture through prescription-drug databases, motor...
by Mike Keretz | Aug 7, 2026 | Uncategorized
You might be at the kitchen table with a laptop open, comparing policies while your income isn't as steady as it used to be. Maybe you're self-employed, maybe you're close to retirement, or maybe you just want lifelong coverage without locking yourself...
by Mike Keretz | Aug 6, 2026 | Uncategorized
You're in a familiar spot if you're self-employed, between jobs, or trying to bridge the gap before Medicare. You log in to the Marketplace, see a stack of plans, and then the key question hits, how much of this premium can you afford if your income swings...
by Mike Keretz | Aug 5, 2026 | Uncategorized
The first time a crew chief called me about a “small” HVAC mistake, it wasn't small at all. A technician had finished a rooftop changeout, the van got clipped on the way back, and the customer was already asking who was paying for the damage around the unit....
by Mike Keretz | Aug 4, 2026 | Uncategorized
You're probably staring at a renewal notice, a COI request from a GC, and a premium that feels out of line with the size of your crew. That's normal in roofing. Roof work sits in a hard market, and the gap between what you think you bought and what responds on...
by Mike Keretz | Aug 3, 2026 | Uncategorized
Most beneficiaries owe $0 in federal income tax on a life insurance death benefit. The payout is usually tax-free, but interest, estate inclusion, and a few ownership traps can still create a tax bill. You're usually dealing with this question at a rough moment. A...
by Mike Keretz | Aug 2, 2026 | Uncategorized
You're probably looking at a quote, a mortgage payment, and a stack of bills, and thinking the same thing that comes to mind when many search how much life insurance do I need. You don't want theory. You want a number you can defend, without overbuying out of...
by Mike Keretz | Aug 1, 2026 | Uncategorized
If you're in Delaware and you're staring at health insurance quotes right now, you already know the feeling. The number on the screen looks brutal, the “cheap” plan still feels expensive, and if you're self-employed, between jobs, or trying to cover a...
