Markel Insurance Services
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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

A change in subsidy eligibility changes your options

If you're already enrolled in an exchange plan but have become newly eligible ... or newly ineligible ... for subsidies, you'll have a 60-day special enrollment period during which you can switch to a different plan. And starting in 2020, off-exchange enrollees will be able to switch to the exchange if they become newly-eligible for premium subsidies.

The ACA’s cost-sharing subsidies

While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce out-of-pocket spending for eligible enrollees when they select Silver plans. The Trump Administration eliminated federal funding for cost-sharing reductions, but the benefits are still available to eligible enrollees. And because the cost of cost-sharing reductions has been added to premiums, premium subsidies are much larger than they were prior to 2018.

New York health insurance

A guide to individual health insurance in New York, including its marketplace, open enrollment dates, insurers, Medicaid expansion, short-term regulations and Medicare.

If I can’t buy a short-term plan and I don’t have a qualifying event, what are my coverage options?

So what are your options if you’re not eligible to enroll in an ACA-compliant plan and short-term plans are not for sale in your area?

Non-calendar-year renewal as a qualifying event

If your health plan renews outside of open enrollment, you have access to a special enrollment period – either in the exchange or outside the exchange – that begins 60 days in advance of your plan’s renewal date, and continues for 60 days after your plan renews.

Qualifying events that can get you coverage

Even if you missed the general open enrollment, you could still have an opportunity to enroll in an ACA-compliant plan this year if you experience a qualifying event. In that case, you have a special open enrollment period – generally 60 days – during which you can enroll in a new plan on or off-exchange, or switch to a different plan. Be aware, however, that new market stabilization rules have tightened up the rules that apply to special enrollment periods.

How immigrants are getting health coverage

Let’s take a look at the health insurance options for immigrants, and how they’ve changed – or haven’t changed – under the Affordable Care Act.

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

New York has fully embraced the Affordable Care Act, with a state-run exchange, expanded Medicaid, and the Essential Plan. The state-run exchange – New York State of Health – is one of the most robust exchanges in the country, with 12 carriers offering individual market plans in 2018. For 2019, insurers proposed an average rate increase of 24 percent in the individual market, but regulators only approved an average increase of 8.6 percent. Open enrollment for 2019 plans has been extended through January 31, 2019.

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

Vermont initially required all individual and small group plans to be purchased through the exchange, but enrollees who aren't eligible for subsidies are now being encouraged to enroll directly through MVP and BCBSVT. Vermont has enacted legislation to create an individual mandate that will take effect in 2020, but the mandate will not have a penalty for non-compliance in 2020.

Who should help me enroll in a health plan?

It may be clear to you that you need help choosing a plan. What isn't clear to many potential enrollees is how the various options for assistance – Navigators, certified application counselors, brokers, agents and enrollment consultants – differ.

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