Schumie Insurance

Schumie Insurance Medicare | Life | Annuities | Travel
I am a licensed insurance agent serving the above industries.

09/02/2026

US Drivers Compare Car Insurance Smarter

08/31/2026

4 Moves to Lower Outliving-Savings Risk

08/27/2026

U.S. Health Premiums Since 2001: What Changed
As someone who has spent years guiding folks through the Medicare maze, I’ve seen firsthand how our health care costs have evolved. Since 2001, premiums and out-of-pocket expenses in major coverage categories have consistently climbed—medical inflation outpacing regular inflation as new treatments, hospital mergers, and advances in medicine drive costs higher. For example, by 2026, the average monthly Part B premium in a federal health plan is expected to reach $203 per person—a clear sign that coverage remains expensive for many of us. Experts point to factors like an aging population and higher hospitalization costs, with insurer consolidation also playing a role. While the 2010 health law did slow things down for some, the upcoming expiration of certain subsidies in 2026 could lead to noticeable spikes. Even larger subsidies or reduced usage have only offered temporary relief. Most experts don’t see premiums leveling off soon, with next year’s filings from about a third of states showing increases between roughly 7% and 22%. As always, I’m committed to helping you understand what these changes might mean for your Medicare choices—because navigating these shifts is easier when you have someone in your corner.

08/26/2026

US Home Insurance Shifts Homeowners Should Know
As someone who’s spent years guiding folks through the ins and outs of insurance, I’ve seen just how much rising homeowners insurance premiums are making people rethink their household budgets. But as recent national reviews point out, premium costs are only one piece of the puzzle. Sometimes, even homeowners who’ve always paid on time get a non-renewal notice—meaning their insurer won’t extend their coverage when the term ends. Climate-driven severe weather is a big factor here, as insurers are recalculating risk with more frequent and expensive claims. If you’re facing a non-renewal, keep an eye on the notice period and expect a written explanation in many states. Even small claims can impact your risk profile and what you’ll pay later on. And if you run out of private insurer options, state last-resort plans might be available, though they usually come with narrower protection. We could see more changes ahead as regulators and insurers get better data. Just as with health or life insurance, staying informed and proactive makes all the difference when protecting your home.

08/25/2026

What Makes Pet Insurance Appealing to Modern Agents
As someone who has spent years guiding people through the complexities of insurance—especially Medicare—I’ve seen firsthand how our needs change over time. Lately, I’ve noticed a real shift: pets are now firmly part of the family for so many of us. This is driving a steady rise in demand for pet insurance. For independent advisors like myself, it’s an interesting development. Not only does it open up the opportunity to diversify the kinds of coverage we can offer, but it also strengthens those personal connections with clients. Plus, the recurring revenue model of pet insurance brings stability to a practice. Thanks to digital tools, it’s easier than ever to provide tailored recommendations and competitive quotes. As our lives—and our families, furry members included—evolve, so does the role of insurance in supporting what matters most.

08/16/2026

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