by Mike Keretz | Jan 30, 2026 | Uncategorized
When you're trying to figure out the difference between a PPO and an HMO, it really boils down to a classic trade-off: flexibility versus cost. Think of it this way: PPOs give you more freedom to choose your doctors, but that freedom comes with a higher price tag....
by Mike Keretz | Jan 29, 2026 | Uncategorized
Yes, COBRA insurance is almost always expensive. The sticker shock is real. You suddenly go from paying a small fraction of your health insurance premium to covering 100% of the cost your employer was heavily subsidizing—plus a little extra. Why COBRA Insurance Costs...
by Mike Keretz | Jan 28, 2026 | Uncategorized
When it comes to life insurance, "level term" is a name you'll hear a lot. And for good reason. It’s one of the simplest, most predictable ways to protect your family’s financial future. So, what is it? Think of it like a price lock on peace of mind....
by Mike Keretz | Jan 27, 2026 | Uncategorized
Tax season can feel like a scavenger hunt for papers, and Form 1095 is one of the most important clues. It’s the official proof that you had health insurance, which you’ll need to file your taxes correctly. But figuring out which 1095 you need—and where on earth to...
by Mike Keretz | Jan 26, 2026 | Uncategorized
Let's get straight to it: when your loved ones receive a life insurance payout, that money—the death benefit—is almost always income-tax-free. It's designed that way. Think of it as a protected financial gift meant to land in your beneficiaries' hands...
by Mike Keretz | Jan 25, 2026 | Uncategorized
When you picture early retirement, you probably think about your investments, savings, and new hobbies—not health insurance. But figuring out how to cover your medical needs before you turn 65 is one of the most critical parts of the puzzle. The wrong move, or no move...
