Georgia Health Insurance
Georgia Health Insurance: Free Help Comparing ACA and Private Plans
Licensed in Georgia — helping you online, from Atlanta to Savannah.
I help Georgia individuals, families, and self-employed professionals compare their health insurance options and enroll — all online by phone or video, at no cost to you. I'll show you ACA plans through Georgia Access and private plans side by side, so you can choose what fits your health, your doctors, and your budget.
Georgia Runs Its Own Marketplace: Georgia Access
Since 2025 coverage, Georgians no longer enroll through HealthCare.gov. Georgia Access is the state's marketplace, and Georgia lets you enroll through licensed brokers and approved enrollment partners as well as the state website — so I can help you compare plans and enroll directly. About 1.3 million Georgians enrolled for 2026, and most received financial help.
What's Changing for 2027 in Georgia
Open Enrollment runs November 1, 2026, through January 15, 2027. Enroll by mid-December to be safe for coverage starting January 1 — I'll confirm the exact date for your plan. There's no window-shopping period this year, so plans and prices appear when enrollment opens.
Eight insurers will offer plans on Georgia Access for 2027. Cigna and UnitedHealthcare are leaving, and a new insurer is joining — if your plan is ending, you'll need to choose a new one.
Premium increases for 2027 range from roughly 11% to 29% depending on the insurer, before subsidies. Your actual cost depends on your plan and the financial help you qualify for.
Enhanced federal premium tax credits expired, so many people are paying more — which makes comparing your options more important than ever.
Georgia's reinsurance program helps keep premiums lower than they would otherwise be, especially for people who don't qualify for subsidies.
ACA or Private: Two Paths for Georgians
ACA plans accept everyone, with no health questions, and can't turn you down or charge more because of a pre-existing condition. Private plans are offered outside the marketplace and ask health questions, so eligibility depends on your answers — but for healthy people, private plans may cost less, and many are available year-round. I'll compare both for you, and if a private plan isn't the right fit, an ACA plan is always an option.
Need Coverage Outside Open Enrollment?
If you have a qualifying life event — like losing other coverage, moving, getting married, or having a baby — you can enroll in an ACA plan during a Special Enrollment Period. Georgia has only partially expanded Medicaid through Georgia Pathways, which includes a work requirement; Medicaid and PeachCare for Kids accept applications year-round. And depending on eligibility, private plans are often available any time of year.
How I Help Georgians — Always Free
I'll learn about your household, your budget, and the doctors you want to keep, then walk you through the ACA and private options available in your ZIP code in plain English. I'll check your doctors and prescriptions, help you apply for any financial help you qualify for, and handle enrollment from start to finish. My help is free — plan prices are the same with or without a broker.
Georgia Health Insurance FAQ
When is Open Enrollment in Georgia for 2027?
November 1, 2026, through January 15, 2027, through Georgia Access.
Do Georgians still use HealthCare.gov?
No. Since 2025 coverage, Georgia runs its own marketplace, Georgia Access. You can enroll through the state website or with a licensed broker.
My Cigna or UnitedHealthcare marketplace plan is ending. What should I do?
Keep your coverage through the end of 2026, then choose a new plan during Open Enrollment. I can help you compare replacements.
Do we need to meet in person?
No. All consultations are online by phone or video, anywhere in Georgia.
Is your help free?
Yes. Brokers are paid by the insurance carriers, so your price is the same.
Reviewed by Heath Heimlich, licensed health insurance advisor (NPN 8799018). Sources: Georgia Access; healthinsurance.org; Atlanta Journal-Constitution. October 2026.