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Author name: Michael Butz

Mike Butz is the owner of MBhealth and has spent his career helping individuals, families, and small businesses navigate the often-confusing world of health insurance. A certified advisor for Medicare and the Healthcare Marketplace, he also provides guidance on life, disability, and long-term care coverage.

Michael Butz
Busy elegant bearded adult company director, checking the company finances, at the office.

Can You Still Get ACA Marketplace Coverage If Your Employer Offers Health Insurance?

Leave a Comment / Health Insurance / /

Many people assume that if their employer offers health insurance, they automatically lose access to ACA Marketplace coverage. In many cases, additional factors come into play.    You can still enroll in an ACA health insurance plan even if your employer offers health insurance coverage. However, an important question many people have is if you will […]

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How Life Insurance Protects Your Family’s Future

Leave a Comment / Life Insurance / /

Life insurance can be one of the most difficult topics to talk about, because it’s often connected to unexpected loss. When a caregiver, business partner, or loved one passes away, the emotional impact is immediate—but so is the financial impact. Life insurance provides cash at a critical moment, helping replace lost income, cover expenses, and

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Is Your Life Insurance Designed to Last Your Lifetime?

Leave a Comment / Health Insurance, Life Insurance / /

Typically, life insurance is thought of for younger families—those with a child or two, a mortgage, or future college expenses. But once the mortgage is paid, the kids are gone, and you’re in your senior years, it’s still important to keep your life insurance in place. Why Would a Senior Need Life Insurance?  Senior years

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What Replaces Your Paycheck if You Can’t Work?

Leave a Comment / Disability / /

If you’ve lost your income due to an illness or an injury and can’t work, how do you replace your income? A disability insurance policy helps replace your income if you’re unable to work. Who Is Eligible for Disability Insurance? Disability insurance is typically available to full-time workers between the ages of 25 and 60.

What Replaces Your Paycheck if You Can’t Work? Read More »

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How ACA Coverage Works for the Self-Employed

Leave a Comment / Affordable Care Act (Obamacare) / /

Being self-employed offers freedom and flexibility, but it also means you are responsible for finding your own health insurance. For many freelancers, consultants, and small business owners, coverage through the Affordable Care Act (ACA) marketplace may be the most practical option. Understanding how ACA coverage works can help you choose a plan that protects both

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10 Common ACA Mistakes and How to Avoid Them

Leave a Comment / Affordable Care Act (Obamacare) / /

Don’t Let Missteps Cost You Coverage or Money The Affordable Care Act (ACA) makes health coverage available to millions of Americans, but navigating the Marketplace can still be confusing. Between myths about who qualifies, misunderstandings about subsidies, and the sheer number of plan options, it’s easy to make mistakes that could cost you money –

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Seniors: How to Save Money on Dental Insurance

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As we get older, dental needs tend to increase — and so do the costs. That’s why dental insurance is such an important piece of your overall healthcare coverage. In the past, dental plans were known for offering limited benefits. But today’s policies have improved dramatically, providing broader coverage and higher annual benefit amounts. For

Seniors: How to Save Money on Dental Insurance Read More »

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ACA for Families: How to Cover Everyone Without Breaking the Bank

Leave a Comment / Affordable Care Act (Obamacare) / /

Get Affordable Coverage Without Sacrificing Care  Providing health insurance for your family can feel like walking a tightrope. You want solid coverage for everyone (your kids, spouse, and any other dependents), but the costs seem to add up quickly.  Fortunately, the Affordable Care Act (ACA) gives families tools and options to strike a balance between

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