Markel Insurance Services
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Company Info

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

Phone:
678-804-7772

Fax:
678-804-6082

License:
GA: 528264

Insurance Brokers:
Steven Markel

Health Care Insurance News

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

Connect for Health Colorado is still among the most robust exchanges in the country, with seven carriers offering plans in 2017 and all of them slated to continue to do so in 2018. Proposed rate hikes for 2018 are steep however, with carriers requesting a 27 percent average rate increase in the individual market (regulators approved an average increase of 26.7 percent, but later added an average of 6 additional percentage points to account for the lack of CSR funding). State lawmakers considered financial relief for people who earn a little too much for ACA subsidies, but the measure was killed in a Senate committee after passing the House.


Do all health insurance plans cover maternity?

Q: Do all health insurance plans cover maternity? A: Nearly all plan cover maternity. Since January 2014, the ACA has required all newly issued and renewing individual and small group health insurance policies to provide maternity coverage.


My eligibility for Medicaid depends on how my income compares to 138 percent of the Federal Poverty Level. Can you spell out what that means in dollars?

Q. I know that whether I qualify for expanded ­Medicaid depends on how my income compares with 138 percent of the Federal Poverty Level (FPL). I also understand if I earn too much to qualify for Medicaid, I can buy insurance in the exchange, where I may be eligible for subsidies, again depending on how my income compares to the FPL. Can you spell out what that means in dollars? A. First, in states that have expanded Medicaid you will qualify for Medicaid if you earn less than 138 percent of the FPL. For a single individual in 2016, the upper income limit for Medicaid eligibility is $16,394, and for a family of four, the upper income limit is $33,534.


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

Seven insurers are offering exchange coverage in Virginia for 2018. But rates will be sharply higher in 2018, and many enrollees will have to pick different plans, as there are some insurer exits and coverage area changes. Average rate increases for 2018 vary from 35 to 81 percent, with insurers assuming that CSRs will not be funded in 2018. The bulk of the rate increases are on silver plans, and will be offset by premium subsidies for most enrollees.


How long can I be uninsured before I have to pay the individual mandate penalty?

Q. I know that the individual mandate allows for a gap in coverage as long as it's less than three months in a year. But what if I have two gaps that are each just a month long? Or what if I'm uninsured for the last two months of one year and also the first two months of the following year? A. It applies only to the first short gap in coverage during the year. The gap in coverage has to be less than three months in duration. If you're uninsured for three or more months, you'll pay a penalty for the full duration of the gap (including the first two months) If you're insured for even a single day of a given month, you're considered insured for that month. It's very unlikely that you'll be able to obtain a health insurance plan with a start date of anything other than the first of the month, or that you'll be able to terminate a plan on anything other than the last day of a month. The IRS has addressed the possibility of a gap in coverage that spans two calendar years.


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

Evergreen Health, an ACA-created CO-OP, is not selling or renewing individual market plans for 2017. They had filed rates to re-enter the individual market in 2018, including the exchange, but that fell through when the investors who had planned to acquire them backed out, and the CO-OP is now in receivership. CareFirst, Cigna, and Kaiser also filed rates to offer plans in the exchange in 2018, although Cigna later withdrew their filings. CareFirst, CareFirst Blue Choice, and Kaiser plan to offer exchange plans for 2018, and the cost of CSR has been added to on-exchange silver plan premiums only.


Will you owe a penalty under Obamacare?

If you decide not to purchase coverage and remain uninsured, you can use the calculator on this page to determine the size of the penalty you would pay. But here's the good news: many uninsured Americans are exempt from the penalty, and premium subsidies are making health insurance affordable - often for the first time - for millions of people.


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

Three carriers are offering plans in the exchange for 2017, although two are entities of AmeriHealth. For 2018, Oscar is rejoining the exchange, after exiting at the end of 2016. Oscar plans are available in 14 counties for 2018.


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

Four carriers are offering plans in the Iowa exchange in 2017. But Wellmark, Aetna, and Gunderson are leaving the ACA-compliant individual market at the end of 2017. Medica has filed plans to remain, but with a 57 percent rate increase. As an emergency measure, Iowa has proposed a unique 1332 waiver, and is optimistic that CMS will approve it.


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

Nevada was one of only nine states on the HealthCare.gov platform with single-digit average benchmark premium increases for 2017, and enrollment grew slightly for 2017, in contrast to the average enrollment decline across all HealthCare.gov states. Silver Summit (Centene) has joined the exchange for 2018, but Prominence and Anthem are leaving the exchange.


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