by Mike Keretz | Jul 22, 2026 | Uncategorized
You probably don't need another lecture about Medicare. You need to know why the bill on your kitchen table is higher than you expected, what Medicare leaves out, and what to do before the next surprise lands. That's the point here, because Original Medicare...
by Mike Keretz | Jul 21, 2026 | Uncategorized
You finally land the job you've been chasing. The client likes your bid. The scope is solid. The schedule works. Then the contract shows up, and suddenly you're staring at pages of insurance language that feel written for a lawyer instead of a contractor. You...
by Mike Keretz | Jul 20, 2026 | Uncategorized
The federal fine for not having health insurance is $0, but California, Massachusetts, New Jersey, Rhode Island, and Washington, D.C. still enforce their own penalties, and auto insurance penalties are a separate issue that remain active in most places. If you're...
by Mike Keretz | Jul 19, 2026 | Uncategorized
Yes, you can change your health insurance plan, but usually only during Open Enrollment, which typically runs from November 1 to January 15 for Marketplace coverage, or during a 60-day Special Enrollment Period if you have a qualifying life event. If you're still...
by Mike Keretz | Jul 18, 2026 | Uncategorized
Primary insurance is the policy that pays first on a claim, like the captain of a team taking the first move before any backup steps in. In Social Security, the phrase can also mean your Primary Insurance Amount, and for 2026 that amount is built from 90% of the first...
by Mike Keretz | Jul 17, 2026 | Uncategorized
Uber doesn't offer traditional employer-sponsored health insurance to U.S. drivers because drivers are classified as independent contractors, not employees. What Uber does offer in some situations is accident-related coverage, and if you're in California there...
