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Company Info

Markel Insurance Services
1400 Buford Hwy., Ste. G-2
Sugar Hill, GA, 30518



GA: 528264

Insurance Brokers:
Steven Markel

Health Care Insurance News

Vermont and the ACA’s Medicaid expansion

Vermont has fully embraced the ACA, including the expansion of Medicaid. The state's Medicaid enrollment has grown by 11 percent since the end of 2013, and the state is tied with the District of Columbia with the second-lowest uninsured rate in the country.

Vermont health insurance marketplace: history and news of the state’s exchange

Governor Scott took office in January 2017. Although he campaigned on switching Vermont to, he's currently following the recommendations outlined in an independent report that was finalized in late 2016, which called for keeping the exchange. However, enrollees who aren't eligible for subsidies are being encouraged to enroll directly through MVP and BCBSVT. Both insurers have filed plans for 2018; the approved rate increase averages 8.5 percent (assuming CSRs are funded), which is far lower than most states.

California health insurance marketplace: history and news of the state’s exchange

Covered CA is one of ten state-run exchanges that has an "active purchaser" model, meaning that they negotiate directly with carriers to make sure that rates, networks, and benefits are as consumer-friendly as possible (the other state-run exchanges simply set minimum standards that carriers must meet, and then allow the sale of any plans that meet those guidelines). The exchange is also the only one in the country that requires all health plans to be standardized. 11 insurers are offering plans for 2018, and the cost of CSR has been added to on-exchange silver plans. California has opted to keep open enrollment at three months in duration going forward.

New Mexico and the ACA’s Medicaid expansion

Total enrollment in New Mexico Medicaid has grown by 66 percent since the end of 2013, and the uninsured rate has dropped by 37 percent.

New Mexico health insurance marketplace: history and news of the state’s exchange

All four of New Mexico's exchange insurers are continuing to offer coverage for 2018, although CHRISTUS plans didn't show up on for the first two weeks of open enrollment. New Mexico's 2017 premiums were significantly lower than the national average, but insurers implemented large rate increases for 2018. The cost of CSR was added to silver plan premiums, which resulted in larger premium subsidies for all subsidy-eligible enrollees. Lawmakers are studying the cost of a potential Medicaid buy-in program in New Mexico.

New Mexico health insurance

A guide to health, healthcare reform, Medicaid enrollment, and Medicare in the state of New Mexico, where uninsured rates keep falling under Obamacare.

Idaho health insurance marketplace: history and news of the state’s exchange

Idaho's exchange has four insurers offering coverage in 2018, and all counties have at least three insurers offering plans. Approved rate hikes for 2018 were steep — an average of 28 percent including off-exchange plans — but the bulk of that is on silver plans, due to the Trump Administration's decision to cut off funding for cost-sharing reductions. CMS has rejected Idaho's "state-based" plans as being non-compliant with the ACA, but is encouraging the state to pursue them as short-term plans instead.

Guaranteeing affordable health coverage for all

Across the country, premiums keep rising as a result of repeated attempts to sabotage our health care system. Instead of re-hashing old, partisan battles, we need to work together to make it easier for people to find quality, affordable health care coverage.

How a health savings account (HSA) works

A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.

Iowa health insurance marketplace: history and news of the state’s exchange

Four carriers offered plans in the Iowa exchange in 2017. But Wellmark, Aetna, and Gunderson left the ACA-compliant individual market at the end of 2017. Medica remained, but with a 57 percent average rate increase. However, enrollment for 2018 was higher than it had been the year before, and Wellmark has committed to rejoining the exchange in 2019. However, the state may let Farm Bureau and Wellmark sell unregulated plans outside the exchange, which would further destabilize the ACA-compliant market.

Markel Insurance Services - 1400 Buford Hwy., Ste. G-2 Sugar Hill, GA 30518
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