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Category: Insurance Tips

Should I Offer Health Insurance to My Employees?

By McKay Moravick Deciding whether to offer health insurance to your employees is a big decision for any business owner, especially if your business has fewer than 50 employees. While you may not be required by law to provide health insurance, there are several reasons why you might want to consider it. Cost of Providing Health Insurance On average, the cost of health insurance for...

Safeguarding Your Income: The Importance of Disability Insurance

May is Disability Insurance Awareness Month, a time when the importance of income protection is highlighted. At Boettcher Insurance Agency, we recognize the critical role that disability insurance plays in securing your financial future. In today's uncertain world, having a disability insurance policy is essential for peace of mind. Millions of working Americans are facing the pressing issue of a lack of adequate disability insurance...

Why Travel Insurance Is Essential

Why Travel Insurance Is Essential

In today's unpredictable world, traveling often requires more than just packing your bags and booking your tickets. The importance of preparing for the unexpected cannot be overstated, and one of the most crucial aspects of travel preparation is securing comprehensive travel insurance. It's important to note that Medicare offers minimal coverage when traveling outside of the United States, leaving you vulnerable to significant medical expenses....

Choosing Your Path in Retirement: Navigating the Medicare Advantage and Medigap Landscape

"One of the biggest decisions seniors face is how to approach healthcare in retirement. Nearly half of all seniors (48%) opt for a Medicare Advantage plan, an "all-in-one" plan that covers the full scope of a patient’s needs. 1 Others enroll in Original Medicare, which covers the basics, and supplement their coverage with Medigap plans. Each route has different implications, but given current healthcare trends,...

Big Boost to HSA, HDHP Limits in 2024 Given by the IRS

What are Health Savings Accounts (HSAs) Health savings accounts (HSAs) are a special tax-advantaged account that helps you save money for the future medical and health-related expenses - tax free. How HSAs Work Withdrawals from HSAs to pay qualified medical expenses are tax free. HSAs offer a triple tax benefit: HSA contributions are pretax. That is, you are not taxed on any of your contributions...