by Mike Keretz | Jan 24, 2026 | Uncategorized
For most families, the biggest question about life insurance is a simple one: Will my loved ones have to pay taxes on the money? The good news is that in most cases, the life insurance death benefit payout is received completely income tax-free. This is a core feature...
by Mike Keretz | Jan 23, 2026 | Uncategorized
The Premium Tax Credit (PTC) can feel like a complicated government term, but it's actually one of the most powerful tools for making health insurance affordable. Think of it as a helping hand from the government, specifically designed to bring down the monthly...
by Mike Keretz | Jan 22, 2026 | Uncategorized
When you first look at a health insurance plan, one of the first—and most confusing—terms you’ll run into is the deductible. Getting this one concept right is the key to understanding how your plan really works and avoiding those dreaded surprise medical bills. So,...
by Mike Keretz | Jan 21, 2026 | Uncategorized
If you’ve ever felt like finding a good primary care doctor is harder than it should be, you’re not imagining it. It’s a maze of insurance networks, confusing credentials, and hoping you find someone you actually connect with—all while facing months-long waiting...
by Mike Keretz | Jan 20, 2026 | Uncategorized
For most early retirees, the single best health insurance option is usually an ACA Marketplace plan. Why? It offers solid, comprehensive benefits and, more importantly, can come with income-based subsidies that make it much more affordable. But it's not the only...
by Mike Keretz | Jan 19, 2026 | Uncategorized
Short-term health insurance is all about having a financial safety net when you’re between major health plans. Think of it as a cost-effective bridge—it’s there to protect you from catastrophic hospital bills, not for routine checkups. It’s a popular choice for people...
