by Mike Keretz | Jun 10, 2026 | Uncategorized
You left your job, landed your first few clients, and suddenly one awkward question keeps following you around: “What am I doing for insurance now?” When you had a W-2 job, benefits sat in the background. Premiums came out of your paycheck. HR handled enrollment. If...
by Mike Keretz | Jun 9, 2026 | Uncategorized
You're probably staring at two plan choices that seem unfair. One option has the doctors and flexibility you want, but the premium feels heavy every month. The other promises lower premiums and the tax perks of an HSA, but the deductible looks high enough to ruin...
by Mike Keretz | Jun 8, 2026 | Uncategorized
If you're shopping for health insurance in Pennsylvania right now, there's a good chance you've had the same reaction many people had when their 2026 options came up on screen. The monthly premium didn't just rise a little. It jumped enough to force a...
by Mike Keretz | Jun 7, 2026 | Uncategorized
Original Medicare generally does not cover routine dental care like cleanings, fillings, extractions, dentures, or implants, so many people end up paying 100% out of pocket for those services. But there are a few important exceptions, and there are other ways to get...
by Mike Keretz | Jun 6, 2026 | Uncategorized
The first week of self-employment can feel great. You set your own schedule, choose your clients, and stop asking permission to take a Tuesday afternoon off. Then the practical stuff shows up. No HR portal. No benefits packet. No open enrollment reminder in your...
by Mike Keretz | Jun 5, 2026 | Uncategorized
You're staring at an application and hesitating over the health section. Maybe it's Type 2 diabetes you've managed for years. Maybe it's a past heart issue, a cancer history, anxiety, sleep apnea, or a prescription list that suddenly makes you feel...
by Mike Keretz | Jun 4, 2026 | Uncategorized
Choosing family health insurance rarely feels like one decision. It feels like ten decisions stacked on top of each other. One parent has coverage at work, but adding a spouse and kids looks expensive. The other parent is self-employed and wants to know whether the...
by Mike Keretz | Jun 3, 2026 | Uncategorized
The quote is on your screen, and the monthly premium is higher than you expected. That's usually the moment people either give up or sort by “lowest price” and hope for the best. That shortcut causes a lot of expensive mistakes. A health plan isn't affordable...
by Mike Keretz | Jun 2, 2026 | Uncategorized
If you've recently elected S corporation status, you're probably running into a strange reality. You own the business, you work in the business, and you're on payroll, but you're also shopping for health insurance like any other individual buyer. That...
by Mike Keretz | Jun 1, 2026 | Uncategorized
You leave a W-2 job, start freelancing, and suddenly the health insurance problem becomes very real. Maybe COBRA is about to end. Maybe you declined it because the monthly cost felt brutal. Maybe you've had a decent first few months as a contractor, but your...
