Schulte Insurance Agency Blog
View the latest blog posts from Schulte Insurance Agency.
Monday, July 27, 2026 We are incredibly honored and excited to announce that Schulte Insurance Agency has been voted the 2026 Best Insurance Brokerage in San Diego! The award was presented during the Best of San Diego Awards Ceremony on July 23, 2026, making for an unforgettable evening of celebration. READ MORE >>
Friday, April 17, 2026If you have heard the term “captive” in relation to health insurance and thought it sounded complicated, you are not alone. The reality is, captives are becoming one of the most effective ways for employers to take control of rising healthcare costs. What Is a Captive Health Plan? READ MORE >>
Wednesday, April 15, 2026If you are a business owner reviewing your health insurance renewal and wondering why costs keep climbing, you are not alone. The traditional small group market continues to see steady increases year after year, often with little flexibility or transparency. That is where level-funded health plans are starting to change the conversation. READ MORE >>
Wednesday, April 8, 2026 If you feel like your health insurance renewal increases every year—regardless of how often your employees use the plan—you are not imagining things. This is one of the most common frustrations we hear from business owners. READ MORE >>
Sunday, April 5, 2026 There is a common belief in the market that if you want access to more advanced health insurance strategies—like level funding or captives—you need to work with a large national brokerage. Companies like HUB International or Marsh McLennan are often seen as the only option. READ MORE >>
Friday, April 3, 2026If you are a small business owner in California, chances are your health insurance renewal feels the same every year—another increase, with very little explanation or control. Many employers assume their only option is a traditional small group health insurance plan. But that is no longer the case. READ MORE >>
Wednesday, April 1, 2026When reviewing dental and vision insurance options, one of the most common questions we hear is: “What happens if I go out-of-network?” The answer depends on the type of plan you have—and for dental, it depends on how the carrier structures reimbursement. Let’s break it down in a simple way. READ MORE >>
Monday, December 22, 2025There has been a lot of misinformation out there on Covered CA individual and family premiums increasing next year. We wanted to provide some helpful information to you below: Will Covered California premiums increase if Congress does nothing? Short answer: No. READ MORE >>
Wednesday, October 1, 2025As Medicare Prescription Drug Plan (Part D) Open Enrollment begins on October 15th – December 7th, we want to share an important update that affects how you will manage your drug coverage this year. We will continue to fully support you with: READ MORE >>
Wednesday, July 9, 2025Blue Shield Source Please see the below update from the Blue Shield website on the UC contract negotiations: New update as of July 8, 2025 We are pleased to confirm that Blue Shield of California and UC Health today reached a new agreement. READ MORE >>
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