by Mike Keretz | Aug 28, 2026 | Uncategorized
Only 60% of gig workers report health insurance, while just 21% have work-injury coverage and 13% have disability coverage, according to an International Labour Organization survey summarized by the Geneva Association. Insurance for gig economy workers is therefore...
by Mike Keretz | Aug 27, 2026 | Uncategorized
You leave a staff job on Friday, and your employer coverage ends with the month. By Monday, you're comparing premiums, deductibles, provider networks, and tax forms instead of answering client emails. As a freelancer, contractor, or solo business owner, you...
by Mike Keretz | Aug 26, 2026 | Uncategorized
Maya is three weeks away from her 26th birthday when a letter from her mother's insurer arrives. She's a freelance designer in Ohio, so her income changes from month to month and she doesn't have an employer plan waiting in the background. At nearly the...
by Mike Keretz | Aug 25, 2026 | Uncategorized
You're comparing plans during open enrollment, and the monthly premium makes the decision look easy. The HDHP costs less every month, while the PPO appears safer because you'll pay less when you visit a doctor. Then you remember the deductible, your...
by Mike Keretz | Aug 24, 2026 | Uncategorized
The quickest way to get an accurate life insurance quote for a mortgage is to start with your remaining mortgage balance, not the original loan amount. In one Canadian dataset, mortgage holders selected an average of $762,660 in coverage, compared with $553,124 among...
by Mike Keretz | Aug 23, 2026 | Uncategorized
You're self-employed, approaching retirement, or helping a family member compare health plans. Two documents sit on your screen. The insurer names differ, the prices aren't the same, and yet several paragraphs appear almost identical. Then you see terms such...
by Mike Keretz | Aug 22, 2026 | Uncategorized
You're staring at a South Carolina health insurance quote that looks manageable until you notice the deductible, network restrictions, and the line asking you to estimate next year's income. One plan shows a low monthly premium, another costs more but covers...
by Mike Keretz | Aug 21, 2026 | Uncategorized
The most common life insurance advice is also the least useful: buy ten times your income. That shortcut ignores the mortgage, dependents, savings, employer benefits, taxes, caregiving, and the number of years your household needs support. Life insurance for income...
by Mike Keretz | Aug 20, 2026 | Uncategorized
You're 63, working as a 1099 contractor, and your health insurance comes through no employer. Or you're helping a parent who's still working, covered by a company plan, and convinced Medicare can wait. The paperwork looks simple until you notice that Part...
by Mike Keretz | Aug 19, 2026 | Uncategorized
An HDHP, or high-deductible health plan, has a minimum deductible of $1,700 for individual coverage or $3,400 for family coverage in 2026, paired with an out-of-pocket maximum cap, and it qualifies you to open a tax-advantaged Health Savings Account. It generally...
