Markel Insurance Services
Dedicated to help every Georgia family obtain Affordable Health Insurance
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678-804-7772

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

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.


What’s the deadline to get coverage during Obamacare’s open enrollment period?

Q. What is the deadline to enroll in health insurance coverage for 2019? A. In almost every state, open enrollment ends December 15, 2018 with all plans effective January 1, 2019. There is no longer an option to switch to a different plan after the first of the year. But several state-run exchanges have extended their enrollment periods for 2019 coverage.


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. Both insurers have filed plans for 2019, with the cost of CSR added to on-exchange silver plan premiums. Vermont has enacted legislation to create an individual mandate that will take effect in 2020, but the specifics of how it will be administered have not yet been determined.


Will your state waive goodbye to ACA’s protections?

The Trump administration's new rules for state 'innovation waivers' invite states to subsidize non-compliant insurance and radically alter the ACA marketplace.


Short-term health insurance in Delaware

Prior to December 2018, Delaware did not yet have state-specific regulations on short-term plans, and plans following the new federal rules were available for purchase. But the state's new regulations limit the plans to three months and prohibit renewal as of December 2018.


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

SelectHealth and University of Utah Health Plans are offering coverage statewide in the Utah exchange for 2019, and Molina has rejoined the exchange in nine counties, after exiting at the end of 2017.


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 exchange is also the only one in the country that requires all health plans to be standardized. 11 insurers are offering plans for 2019. The cost of CSR is still being added to on-exchange silver plan premiums. California has opted to keep open enrollment at three months in duration going forward.


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

MDwise and Anthem left the exchange at the end of 2017, but Celtic and CareSource continued to offer exchange coverage, and both insurers have expanded their coverage areas for 2019. The cost of CSR is once again being added to all plans, rather than just silver plans.


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

Idaho's exchange continues to have four insurers offering coverage in 2019, with an overall average rate increase of about 5 percent. CMS 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.


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

Two insurers are offering plans in Rhode Island's exchange for 2019, with average premiums that are about 8 percent higher than they were in 2018. Premium subsidies grow to keep pace with premiums though, and 83 percent of Rhode Island enrollees receive premium subsidies. Watch for 1332 waiver proposals from RI in 2019, seeking to establish a reinsurance program and allow sole proprietors to buy small group plans.


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