Schulte Insurance Agency, Inc.

Schulte Insurance Agency, Inc. We are a privately held, 2nd generation family owned & operated health insurance agency.

Health insurance costs can feel like they keep moving in one direction.⁣⁣Up.⁣ 😩😩😩⁣And when that happens, the first quest...
05/28/2026

Health insurance costs can feel like they keep moving in one direction.⁣
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Up.⁣ 😩😩😩
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And when that happens, the first question is usually pretty simple:⁣
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Why?⁣
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The answer is rarely just one thing.⁣
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Rising care costs, prescription spending, delayed care, broader market factors, and plan structure can all play a role.⁣
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That is why the conversation should not stop at, “Can we find something cheaper?”⁣
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A lower premium may help, but only if the tradeoffs still make sense for the people using the coverage.⁣
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The better conversation starts with understanding what changed, what options are available, and what each option may mean over time.⁣
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Swipe through for a few of the reasons health insurance costs continue to rise, and what may be worth reviewing before renewing the same way again.⁣
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We were not quite ready to let the long weekend feeling go.⁣⁣A little beach time, a little team time, and the unofficial...
05/27/2026

We were not quite ready to let the long weekend feeling go.⁣
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A little beach time, a little team time, and the unofficial start to summer at Schulte.⁣
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Here’s to more days like this ahead.⁣ Hope y’all had a great MDW. 🤗☀️🇺🇸
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Across Schulte’s Google reviews, a few themes keep coming up again and again.Clear answers.Responsive support.Patient ex...
05/22/2026

Across Schulte’s Google reviews, a few themes keep coming up again and again.

Clear answers.
Responsive support.
Patient explanations.
Guidance when the decision is not simple.

That matters because health insurance is rarely just paperwork.

It affects families, employees, business owners, retirees, and people trying to make the right decision with a lot to consider.

These words mean a lot to our team because they reflect what we hope clients feel in every conversation.

Clarity.
Responsiveness.
Guidance that lasts.

Thank you to every client who has taken the time to share their experience with us.

05/19/2026

A local teacher was turning 65, retiring, and choosing Medicare coverage for the first time.

That is a lot to navigate at once.

She had never managed her own health insurance before, and with some health concerns, the decision needed more than a quick plan comparison.

This was not just about Medicare Supplement versus Medicare Advantage.

It was about access to care.

Ben helped her look at what mattered most.

Doctor choice.
Specialist access.
Nationwide flexibility.
And what costs could look like over time.

A Medicare Supplement may cost more each month, but for some people, the access and lower potential out-of-pocket exposure can matter more.

That is why context matters.

The right option is not always the one with the lowest upfront cost.

It is the one that fits the person, their health, and the way they may need to use care.

Small traditions can say a lot about a team.For Schulte, one of those traditions was the matching team photo that someho...
05/14/2026

Small traditions can say a lot about a team.

For Schulte, one of those traditions was the matching team photo that somehow kept making its way onto the page.

It was simple, lighthearted, and very real.

Someone would notice a few people showed up in the same color, a quick photo would get taken, and it became part of the office personality.

So we are thinking about bringing it back.

Should the matching photos make a comeback?

If so, what color should the team try next?

What stands out about Matt is not just the role he plays at Schulte.It is the way he shows up in the conversations that ...
05/13/2026

What stands out about Matt is not just the role he plays at Schulte.

It is the way he shows up in the conversations that matter.

He listens carefully.
He asks thoughtful questions.
And he helps clients think through decisions that may affect more than just the year ahead.

As Principal and Owner, Matt is often involved when clients are thinking through bigger benefits decisions, especially the ones that extend beyond a single renewal.

But what stands out most is how he approaches those conversations.

He helps clients slow down, understand the options in front of them, and think through what each decision may mean over time.

That is where trust is built.

Not just in the recommendation itself, but in the process behind it.

And away from the office, that same loyalty shows up in the things people know him for too: family, travel, and a very real love for the Padres.

If you’ve worked with Matt or know him personally, feel free to share a note below.

The people behind Schulte are shaped by a lot of love.⁣⁣By the moms who raised us.⁣The grandmothers who guided us.⁣The m...
05/08/2026

The people behind Schulte are shaped by a lot of love.⁣
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By the moms who raised us.⁣
The grandmothers who guided us.⁣
The mothers-in-law who became family.⁣
And the mother figures who showed up in ways we will always remember.⁣
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This Mother’s Day, we’re grateful for the women who helped shape the people on our team.⁣
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These are the people behind the people at Schulte.⁣
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Happy Mother’s Day from our team to yours 💐❤️
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Featuring a few familiar faces from our team: , , , ,

05/06/2026

For HR teams, this question comes up all the time:

“Which health plan should I choose?”

The answer depends on the person asking.

When employees come to for help, she focuses on helping them understand the decision in front of them, not just the options on paper.

Some people are thinking about cost.
Some are thinking about their doctors.
Some are thinking about prescriptions, family needs, or what will feel manageable throughout the year.

That context matters.

Because the right plan is not always the same for every employee.

Hannah helps make that conversation clearer, so employees can feel more informed about the choice they are making.

Consistency is often built in the moments people don’t see.⁣⁣That’s something has brought to Schulte from the start.⁣⁣O...
05/05/2026

Consistency is often built in the moments people don’t see.⁣
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That’s something has brought to Schulte from the start.⁣
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Over the past few years, she’s grown into a number of roles, from administrative support to finance, continuing to take on more responsibility along the way.⁣
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No matter the role, the approach has stayed the same.⁣
Steady, thoughtful, and committed to the work in front of her.⁣
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Mia also just celebrated her three-year anniversary with the team this past week.⁣
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If you’ve worked with her, feel free to wish her a happy anniversary below.⁣
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Sometimes you don’t fully appreciate the work being done in the community until you’re in the room.⁣⁣Earlier this week, ...
05/01/2026

Sometimes you don’t fully appreciate the work being done in the community until you’re in the room.⁣
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Earlier this week, Jessica and Barbara attended a CAHIP San Diego ( )event benefiting The Center for Community Solutions, which supports individuals impacted by sexual assault and relationship violence here in San Diego.⁣
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The evening had a “Dancing with the Stars” theme, and Barbara served as one of the judges.⁣
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We were also able to support the event by donating Padres tickets.⁣
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A great reminder of the organizations doing meaningful work and the people who continue to show up behind it.⁣
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Address

1036 2nd Street
Encinitas, CA
92024

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17604365015

Website

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