Old Western Insurance & Financial

10/21/2026

🤠 **Think you're all set with Medicare for 2027? Here are a few things you might not know!**

Just because your Medicare plan renews automatically doesn't mean everything stays the same!

✅ **Your coverage can change every year!** It's important to read your Annual Notice of Change and check what's different for 2027.

✅ **Your prescriptions deserve a second look!** Don't forget to check your medications and preferred pharmacies when reviewing your coverage.

✅ **You might qualify for assistance you didn't know existed!** Medicare Savings Programs and Extra Help can help eligible people with Medicare expenses. You don't necessarily need full Medicaid coverage to qualify.

✅ **Medicare Advantage and Medicare Supplements aren't the same thing!** They work differently, and understanding your options is important. Medicare Supplement eligibility and enrollment rules also differ from the annual Medicare enrollment period.

✅ **Happy with your current coverage? Great!** You don't have to switch plans every year. Sometimes keeping what you already have is the right decision.

✅ **Don't have an agent helping you?** That's where I come in! Having someone who understands Medicare and takes the time to review your situation can make the process a whole lot easier.

**At Old Western Insurance, I help people understand their options, review their coverage, and make informed decisions without the confusion or pressure.**

Whether you're new to Medicare or have been enrolled for years, I'm happy to help.

📅 **Medicare Annual Enrollment: October 15 – December 7**

👉 www.OldWesternInsurance.com/contact

*Old Western Insurance is an independent insurance agency and is not affiliated with or endorsed by Medicare or any government agency.*

10/21/2026

🏥 **Think the ACA Marketplace isn't for you? You might be surprised!**

A lot of people assume they won't qualify for affordable Marketplace health insurance simply because they have a job, make too much money, or have health problems.

**Here are a few things you might not know:**

✅ **Have insurance through work?** If your employer's lowest-cost qualifying employee-only plan costs more than 10.22% of your household income in 2027, you may qualify for Marketplace subsidies instead!

✅ **Is covering your spouse or kids through work ridiculously expensive?** Even if your own employer coverage is affordable, your family members may qualify for Marketplace subsidies based on the cost of family coverage.

✅ **Think Marketplace plans all have huge deductibles?** Depending on your income, you may qualify for special Silver plans with significantly lower deductibles, copays, and out-of-pocket costs.

✅ **Self-employed, farming, ranching, or working as an independent contractor?** Here's something a lot of people don't realize! Marketplace subsidies are based on your household's Modified Adjusted Gross Income (MAGI). For self-employed people, that means your business income **AFTER deductible business expenses, not your total sales or revenue!** This can make you eligible for much larger subsidies than you might expect.

✅ **Have pre-existing health conditions?** Marketplace plans can't deny you coverage or charge you higher premiums because of your medical history.

✅ **Already have Marketplace insurance but don't have an agent helping you?** Or maybe your current agent hasn't reviewed your options in a while? **Some of the biggest savings I've found for clients have been between $300 and $1,500 PER MONTH!** In those cases, their previous agent simply wasn't reviewing their coverage and available options from year to year. It pays to have someone actually looking out for you!

**Here's something else most people don't realize:**

Working with a licensed insurance broker like me **doesn't cost you extra!** You get access to Marketplace plans at the same rates, plus independent professional advice and someone in your corner when problems arise.

**At Old Western Insurance, you have TWO ways to enroll:**

💻 **1. Do It Yourself:** Shop, compare plans, check rates, and enroll online at your own pace.

🤝 **2. Let Clay Help:** Schedule a one-on-one appointment. I'll help you compare plans, check your doctors and prescriptions, and make sure you're getting the subsidies you're eligible for.

**Same Marketplace rates. Your choice of how much help you want!**

👉 www.OldWesternInsurance.com/aca

09/19/2026

🚨 **If we haven’t worked together before for ACA Marketplace Insurance or Medicare, now is the time to reach out for 2027!**

Depending on what state you’re in, I may need to complete additional carrier contracting before I can help you compare all of the options I represent—and that paperwork can take a few weeks.

There are some **big healthcare changes coming for 2027**, and Old Western Insurance is working hard to stay ahead of them so my clients don’t get caught off guard.

I can help with:

✅ ACA Marketplace Health Insurance
✅ Medicare options
✅ Prescription cost reimbursement programs
✅ Hospital, ambulance & other cash-benefit coverage
✅ Life insurance & financial protection
✅ Coverage for individuals, families, farmers, ranchers & small-business owners

After **7 years in insurance and financial services**, I’ve learned quite a few ways to help protect your health, your finances, your family, and your business.

www.OldWesternInsurance.com/contact

And please **SHARE this post**—Open Enrollment season is coming up fast!

— Clay
**Old Western Insurance**

05/19/2026

Farmers and ranchers face financial pressures that most people outside agriculture never think about.

Healthcare costs don’t just affect personal finances — they affect the operation itself.

Premiums, deductibles, and medical bills can impact:
• cash flow
• expansion plans
• equipment purchases
• long-term stability

After 7 years in insurance, I’ve seen how important it is for rural families to have coverage that actually fits their situation.

If you need help understanding your Medicare options, give me a call or text at 855-701-7113.

— Clay Murdock
Founder, Old Western Insurance

05/18/2026

Rural healthcare access matters more than most people realize when choosing Medicare coverage.

A plan that works well in a large city may not work nearly as well for someone living hours away from major care centers.

Networks matter.
Travel matters.
Specialists matter.
Prescription coverage matters.

After 7 years working with rural families in insurance, I’ve seen how important it is to choose coverage that actually fits where and how you live.

If you have questions about your Medicare options, give me a call or text at 855-701-7113.

— Clay Murdock
Founder, Old Western Insurance

05/18/2026

One thing I’ve learned after 7 years working with farmers and ranchers in insurance is this:

Agriculture is different.

Cash flow is different.
Retirement looks different.
Healthcare access is different.

And Medicare planning should reflect that.

A lot of rural families feel like nobody understands the unique challenges that come with ag life — especially when it comes to healthcare, retirement, and protecting the operation.

That’s why working with someone who understands agriculture matters.

If you need help navigating Medicare, give me a call or text at 855-701-7113.

— Clay Murdock
Founder, Old Western Insurance

05/17/2026

In agriculture, there’s always another job to finish.

Calving.
Seeding.
Harvest.
Repairs.

And a lot of producers put their own healthcare planning at the bottom of the list.

But Medicare deadlines matter — and missing them can create penalties, higher costs, or gaps in coverage later on.

After 7 years working with farmers and ranchers in insurance, I’ve seen how easy it is for people to delay Medicare planning simply because they’re busy running the operation.

If you’re turning 65 and want help understanding your options, give me a call or text at 855-701-7113.

— Clay Murdock
Founder, Old Western Insurance

05/15/2026

A lot of farmers & ranchers are surprised by what Medicare DOESN’T cover.

Dental.
Vision.
Hearing.

Those are some of the biggest healthcare expenses many rural families face as they get older — especially after decades of physical labor.

After 7 years working in insurance and helping farmers and ranchers navigate Medicare, I’ve learned that many people assume Medicare covers “everything.”

It doesn’t.

Understanding those gaps early can make a major difference in protecting retirement cash flow and avoiding unexpected costs later on.

If you have questions about Medicare coverage, give me a call or text at 855-701-7113.

— Clay Murdock
Founder, Old Western Insurance

05/14/2026

Growing up in a ranch family with two expensive type 1 diabetics, healthcare was never just “a medical issue.” My aunt and I both have type 1 diabetes, and before diabetes care became what it is today, there were emergency flights, hospital stays, expensive medications, travel for care, and major costs insurance didn’t fully cover.

On farms & ranches, healthcare costs don’t just affect your personal finances — they affect the operation itself. If too much money is going toward premiums, copays, medications, deductibles, or medical bills, that directly limits what a farm or ranch can reinvest back into the operation.

It determines whether you can:
• purchase hay & fertilizer
• replace equipment
• maintain positive cash flow

As I got older and started interviewing farmers and ranchers across the U.S. through my MBA program, I realized our family wasn’t unique. I kept hearing stories about rising healthcare costs, confusing insurance options, and rural families struggling to protect the operations they’ve spent generations building.

One rancher told me:
“A lot of people in agriculture are dropping insurance because they simply can’t afford it.”

That problem is why I started Old Western Insurance.

To help rural families find affordable health coverage and protect their operation and future with practical health & wealth strategies built for rural life.

05/05/2026

Old Western Insurance Project Update!

At Old Western Insurance, one of our long-term goals is to help strengthen farm and ranch communities across the Old West - not just through insurance, but by understanding the real challenges people are facing day to day.

As part of that mission (and my MBA program through William Jewell in KC, MO), I have been interviewing farmers and ranchers about how things like Medicare, Marketplace plans, and health insurance decisions impact their operations.

Now I am moving into Phase 2 of this project.

This next round is focused on bigger picture challenges like:

-Cash flow and rising expenses
-Debt and banking relationships
-Insurance decisions and risk
-Hiring, labor, and workload
-Effects of cattle and crop prices
-What actually drives (or limits) profitability

The goal is simple:

Find practical ways to help farm and ranch operations stay profitable, sustainable, and keep the next generation on the land.

I am looking to complete 100 interviews by the end of the semester.

These are open conversations - no sales, just learning from real experiences.

If you are a farmer or rancher (or know someone who is), I would really appreciate your help.

Join the group here:
https://www.facebook.com/groups/921220077391908

Or message me directly if you would be open to participating.

Appreciate everyone who has helped so far - this is something I am serious about building into real value for our communities.

Clay Murdock
Founder @ Old Western Insurance

Send a message to learn more