by Mike Keretz | Jun 16, 2026 | Uncategorized
About 25% of covered workers in the U.S. were enrolled in HMO plans in 2024, and 46% of employer-based HMO plans had no annual deductible for individual coverage. An HMO is a type of health insurance that uses a specific network of doctors and hospitals to deliver...
by Mike Keretz | Jun 15, 2026 | Uncategorized
You're probably here because life insurance has moved from “I should deal with that someday” to “I need to handle this now.” Maybe you've got kids, a mortgage, a partner who depends on your income, or you're self-employed and know there isn't a...
by Mike Keretz | Jun 14, 2026 | Uncategorized
Many people delay life insurance for one simple reason. They assume it costs far more than it does. That mistake matters. If you think coverage is out of reach, you won't compare options, and you won't see how different policy types can fit a real household...
by Mike Keretz | Jun 13, 2026 | Uncategorized
You got a diagnosis. Maybe it was diabetes after a routine lab panel, high blood pressure that won't settle down, a past cancer that still follows you on every form, or a heart issue that changed how you think about the future. Then the next thought hits fast:...
by Mike Keretz | Jun 12, 2026 | Uncategorized
Losing job-based coverage can make a normal week feel shaky. One day your insurance card works, the next day you're trying to decode deductibles, metal tiers, provider networks, and enrollment deadlines while also paying rent, buying groceries, or figuring out...
by Mike Keretz | Jun 11, 2026 | Uncategorized
One spouse gets a new job. The other leaves a job to freelance. A wedding is coming up in three weeks. Or maybe one partner is turning 65 soon, while the younger spouse still needs several years of coverage before Medicare. That's when health insurance stops...
