About Us

Joe Ritter is one of Pennsylvania and Delaware’s most trusted independent Medicare advisors. Known for simplifying confusing Medicare options, Joe has been featured in Main Line Today, PhillyBurbs, SF Examiner, and The Daily Iowan for his clarity, advocacy, and commitment to senior protection. Joe specializes in analyzing plan changes, comparing all major carriers, and helping seniors avoid being forced into expensive or restrictive plans. His mission is simple: Declare Independence From Original Medicare™ by empowering people with knowledge and unbiased advice.

Joe Ritter is the original founder of Insurance You Keep and Valley Forge Medicare — Medicare advisory firms built on transparency, independence, and a commitment to seniors in all 50 states, primarily in Pennsylvania and Delaware. Joe is known for decoding complex Medicare rules and helping seniors protect their doctors, medications, and benefits. His expertise and consumer-first approach have led to repeated features in Main Line Today, PhillyBurbs, SF Examiner, and The Daily Iowan, where he is recognized as a leader in the Medicare education space.

He educates thousands of adults each year on navigating Medicare Advantage, Medicare Supplement transitions, particularly during years of high disruption like 2026. As an independent broker, Joe compares every major carrier — UnitedHealthcare, Aetna, Humana, Highmark, IBX, Devoted, and more — ensuring clients receive unbiased recommendations at no cost. Joe is known for his signature phrase: “When you stay ready, you don’t have to get ready.” His mission is to ensure seniors never get blindsided by plan changes again.