by Mike Keretz | Jun 21, 2026 | Uncategorized
If you have vision insurance, a routine annual eye exam averages $25. Without insurance, the average is $136, and uninsured prices can range from $105 to $257. That gap is why so many people put off scheduling an exam, especially when they're self-employed,...
by Mike Keretz | Jun 20, 2026 | Uncategorized
Yes, you can have two health insurance plans, and in 2021, 43.1 million people, or 13.1% of the U.S. population, had more than one type of health coverage. The important part is that this isn't about getting paid twice. It's about coordinated coverage, where...
by Mike Keretz | Jun 19, 2026 | Uncategorized
The papers are spread across the kitchen table. One says TRICARE. Another mentions VA enrollment. A third is an employer benefits packet from your spouse's new job. Somewhere in the pile is a note about the Health Insurance Marketplace, and maybe you're also...
by Mike Keretz | Jun 18, 2026 | Uncategorized
Yes, you can get Medicare even if you've never worked. But premium-free Part A usually requires 40 quarters, or 10 years, of Medicare-taxed work, so if you don't have that record, your path usually depends on a spouse's work history, a disability route, or...
by Mike Keretz | Jun 17, 2026 | Uncategorized
Your renewal email lands in your inbox. You open it, skim the first few lines, and then stop at the new monthly premium. Maybe it's your Marketplace plan. Maybe it's the family coverage through work. Maybe you're self-employed and paying every dollar...
by Mike Keretz | Jun 16, 2026 | Uncategorized
About 25% of covered workers in the U.S. were enrolled in HMO plans in 2024, and 46% of employer-based HMO plans had no annual deductible for individual coverage. An HMO is a type of health insurance that uses a specific network of doctors and hospitals to deliver...
by Mike Keretz | Jun 15, 2026 | Uncategorized
You're probably here because life insurance has moved from “I should deal with that someday” to “I need to handle this now.” Maybe you've got kids, a mortgage, a partner who depends on your income, or you're self-employed and know there isn't a...
by Mike Keretz | Jun 14, 2026 | Uncategorized
Many people delay life insurance for one simple reason. They assume it costs far more than it does. That mistake matters. If you think coverage is out of reach, you won't compare options, and you won't see how different policy types can fit a real household...
by Mike Keretz | Jun 13, 2026 | Uncategorized
You got a diagnosis. Maybe it was diabetes after a routine lab panel, high blood pressure that won't settle down, a past cancer that still follows you on every form, or a heart issue that changed how you think about the future. Then the next thought hits fast:...
by Mike Keretz | Jun 12, 2026 | Uncategorized
Losing job-based coverage can make a normal week feel shaky. One day your insurance card works, the next day you're trying to decode deductibles, metal tiers, provider networks, and enrollment deadlines while also paying rent, buying groceries, or figuring out...
