by Mike Keretz | Aug 30, 2026 | Uncategorized
A small-business owner calls after comparing group coverage quotes with a fixed reimbursement budget. The group plan looks familiar, but the premiums fluctuate, the employee network preferences are all over the map, and one missed receipt could create a compliance...
by Mike Keretz | Aug 29, 2026 | Uncategorized
You're reviewing the will after a parent, spouse, or business partner dies. It appears straightforward: everything goes to the surviving spouse, or the children share the estate. Then the insurer produces a beneficiary form from years ago, and the death benefit is...
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...
