Health Insurance Deductibles and Out-of-Pocket Maximums – What You Actually Pay Introduction Health insurance can feel complicated—even overwhelming. You may pay your monthly premium on time but still get surprised by large medical bills when you need care. Why? Because what you pay for healthcare doesn’t stop at your premium. Costs like deductibles, co-payments, coinsurance,…

Your home is one of the biggest financial investments you’ll ever make. Yet, many homeowners unknowingly protect this valuable asset with insufficient insurance coverage. When a disaster strikes—like fire, flood, theft, or storm damage—the harsh reality often reveals itself: most homeowners are underinsured. In fact, industry studies suggest that two out of every three homes…