by Mike Keretz | Aug 11, 2026 | Uncategorized
The out-of-pocket maximum is the most you'll pay in a year for covered, in-network medical services before your plan pays 100% of remaining covered costs. In the ACA marketplace, that cap is $10,600 for individuals and $21,200 for families in 2026 (Healthcare.gov...
by Mike Keretz | Aug 10, 2026 | Uncategorized
A freelance designer who loses a client, a contractor whose hours keep changing, and a 63-year-old retiree who is still a year or two away from Medicare can all end up in the same place, looking for coverage that does not depend on a full-time employer. Marketplace...
by Mike Keretz | Aug 9, 2026 | Uncategorized
Yes, Medicare covers medically necessary urgent care through Part B. In 2026, the Part B deductible is $283, then you typically pay 20% of the Medicare-approved amount under Original Medicare, or a flat copay if you're in Medicare Advantage. That answer matters...
by Mike Keretz | Aug 8, 2026 | Uncategorized
A life insurance medical exam usually takes about 20 to 30 minutes and collects your height, weight, blood pressure, pulse, blood, and urine. If you choose a no-exam option, insurers can still gather much of the same picture through prescription-drug databases, motor...
by Mike Keretz | Aug 7, 2026 | Uncategorized
You might be at the kitchen table with a laptop open, comparing policies while your income isn't as steady as it used to be. Maybe you're self-employed, maybe you're close to retirement, or maybe you just want lifelong coverage without locking yourself...
by Mike Keretz | Aug 6, 2026 | Uncategorized
You're in a familiar spot if you're self-employed, between jobs, or trying to bridge the gap before Medicare. You log in to the Marketplace, see a stack of plans, and then the key question hits, how much of this premium can you afford if your income swings...
