Courtney Humphrey, Insurance Agent

01/03/2026

Too many families learn the hard way what happens when there’s no will, no power of attorney, and no clear financial or insurance plan.

It doesn’t create “freedom.” It creates confusion, arguments, and expensive mistakes.

2026 goal: build a real plan.

Review your insurance.
Organize your accounts.
Put decisions in writing.
Protect your people instead of leaving them to sort out a crisis.

12/11/2025

Have you seen your 2026 health plan rates yet?

The Dec15 deadline is looming for 01/01/2026 plans.

11/27/2025

“The Lord is good, a refuge in times of trouble.

He cares for those who trust in him,”
‭‭
Nahum‬ ‭1‬:‭7‬ ‭NIV‬‬

Grateful.
Thankful.
Blessed.

10/23/2025

It’s Medicare Open Enrollment!

Now through December 7, I’m scheduling Medicare appointments to review coverage options for 2026.

Whether you’re new to Medicare or want to compare your current plan, let’s make sure you’re getting the best fit for your needs.

405-340-5444

10/23/2025

📢 URGENT: Our health insurance subsidy is at risk.
Your voice matters. Act today. Do not wait.
The Advance Premium Tax Credit (APTC), which helps lower monthly health-insurance premiums for millions of Americans, is expiring soon.
If this subsidy isn’t extended, many will face much higher premium costs.
What you can do now:
Find your U.S. Representative and Senators.
Call or email them. Tell them you support extending the APTC so people can keep affordable health coverage.
Share this post (or your own version) with friends, family and community so they act too.
Why it matters:
APTC helps eligible individuals and families afford marketplace health plans.
Without it, premium cost sharing shifts heavily onto households.
The expiration puts many people who rely on it at risk of losing access to their plans or paying much more.
Let’s get this fixed, because affordable coverage shouldn’t vanish overnight.

10/22/2025

2026 Marketplace Health Plan Update:

Fewer Subsidies, Higher Premiums Ahead

If you buy your health insurance through the Marketplace (Healthcare.gov), take note: the enhanced premium tax credits (APTCs) that lowered monthly costs the last few years are set to expire after 2025 unless Congress renews them.

That means 2026 plans may show little to no subsidy, even if you’ve always qualified before.

Insurers are already issuing renewals and rate filings assuming those extra credits will end, which could make premiums jump significantly next year.

What this means for you:
Check your renewal closely. “No subsidy” doesn’t always mean you’re ineligible, it may just reflect current federal rules.

Plan for higher premiums if the enhanced APTCs aren’t extended.

Report income changes early to avoid large paybacks at tax time, since the repayment cap for excess APTC goes away in 2026.

If you rely on Marketplace coverage, keep an eye on federal updates this fall, this change affects nearly every household using tax credits.

We’ll post updates as more information becomes official.
For now, don’t ignore those renewal notices, review your options early and talk to your agent during open enrollment dates 11/01/2025 - 12/15/2025.

(405)340-5444
[email protected]

10/08/2025

10/08/2025

Real Talk: Why Your Insurance and Mortgage Should Be on the Same Team

Yesterday I helped a new homebuyer who’s using the HELP Grant; a program that can give up to $20,000 toward closing costs to help families get into a home.

When I started shopping his insurance, every carrier declined because of the home’s location, age (built in 1920) and uncertain property updates. Then today he texted saying he got a quote from another broker through Progressive.

Here’s the catch: Progressive’s policy is Actual Cash Value (ACV) per their underwriting guidelines based on the property features; meaning if a fire or storm destroys the home, the payout is depreciated value, not replacement cost.

Mortgage underwriters (especially on HELP Grant loans) require Full Replacement Cost Coverage.

If the policy doesn’t meet that standard, the mortgage can’t close; even if the quote looks cheaper.

Because I handle both mortgages and insurance, I can make sure:
✅ Your home qualifies for the coverage required by your loan
✅ Your insurance actually protects your investment
✅ You don’t get surprised at closing because a policy “looked fine” on paper

You deserve a team that knows both sides of the table, not just one.
Let’s make sure your loan closes smoothly and your home is truly protected.

Message me to get a custom insurance quote.

For more information email [email protected] or dial 405-340-5444

10/01/2025

Hump Day Update:

Had a great call today with one of my carrier marketing reps, and he asked me to bring him both Personal and Commercial aka Business Auto Insurance quotes.

If you’re looking for:

✅ Better pricing
✅ Stronger coverage
✅ Transparency

…I’d love to review your current auto policy and help you drive toward your goals.

Call or Send me a message and let’s see what we can do for you!

Call/Text 405-340-5444
Email [email protected]

PS I took this photo as I was walking to the Oklahoma City Thunder championship parade in Downtown Oklahoma City