by Mike Keretz | Dec 22, 2025 | Uncategorized
When you're shopping for life insurance, it's easy to get fixated on the price tag. But to truly compare rates, you have to look deeper. The secret is knowing that insurance companies are in the business of assessing risk, and your unique life story determines...
by Mike Keretz | Dec 21, 2025 | Uncategorized
Let's be honest, health benefits can feel complicated and a little rigid. That’s where a Health Reimbursement Arrangement (HRA) comes in—it’s a fresh approach to health coverage designed for flexibility. At its core, an HRA is a tax-advantaged health benefit...
by Mike Keretz | Dec 20, 2025 | Uncategorized
Normally, you can only sign up for health insurance during a specific time of year called Open Enrollment. It's like a train that only leaves the station once annually, and everyone has to get on board during that window. But what happens if you have an urgent...
by Mike Keretz | Dec 19, 2025 | Uncategorized
So, what exactly is group health insurance? Think of it like a healthcare "bulk buying club" for your company. Instead of every employee fending for themselves in the individual market, your business brings everyone together into one large pool. This gives...
by Mike Keretz | Dec 18, 2025 | Uncategorized
The Part D Medicare Deductible for 2025 Is $590. Think of it as your annual entry ticket—until you pay that amount out of pocket, you cover 100% of your prescription costs. Understanding Your Part D Deductible Once you hit $590, you shift into the initial coverage...
by Mike Keretz | Dec 17, 2025 | Uncategorized
Trying to find the right health insurance for single mothers can feel like a maze, but good, affordable options are closer than you think. For many, the clearest paths are public programs like Medicaid and the Children's Health Insurance Program (CHIP), which are...
