If you live in Georgia and you're looking for health insurance, there's something you need to know first: Georgia no longer uses HealthCare.gov. Since the 2025 plan year the state has run its own marketplace, Georgia Access. Here's what that means in practice, what it's costing, and how to enroll without getting lost.
| Georgia by the numbers | Figure |
|---|---|
| People enrolled | 1,324,295 for 2026 |
| Receive government help | 89% of enrollees |
| Average subsidy | $688 a month |
| Premium increase for 2027 | 20.7% on average, before subsidy |
| Marketplace | Georgia Access (state-run, not HealthCare.gov) |
| 2027 Enrollment | November 1, 2026 – January 15, 2027 |
Source: healthinsurance.org, using official Georgia marketplace data.
Georgia Access: the change that confuses a lot of people
For ten years, anyone living in Georgia enrolled through HealthCare.gov like the rest of the country. That ended with the 2025 plan year. Georgia now has its own marketplace: Georgia Access.
In practice this means that if you search online and land on HealthCare.gov, that site will redirect you. And if a relative in Florida explains how they did it, their process won't be the same as yours.
Unlike other states with their own marketplace, in Georgia you can enroll through a licensed agent without having to go through the state's site yourself. I do it with you from start to finish, and it costs you nothing.
Premiums are going up 20.7% for 2027
It's a steep increase, and it comes from two things at once: the enhanced subsidies expired at the end of 2025, and carriers raised their rates.
That said, that 20.7% is before the subsidy. And in Georgia 9 out of 10 people receive help, averaging $688 a month. What you actually end up paying can be very different from that headline.
That's why I keep saying it: don't assume you no longer qualify just because you saw a high price. Your case has to be run.
Georgia didn't expand Medicaid, and that leaves a gap
Georgia is one of the states that didn't fully expand Medicaid. That creates what's known as the coverage gap: families who earn too little to qualify for a Marketplace subsidy, but too much for traditional Medicaid.
If you've been told you qualify for neither one, that isn't necessarily the end of it. There's the Pathways to Coverage program and other options depending on your situation. Message me and we'll look at it.
Available carriers
- Ambetter from Peach State Health Plan
- Anthem Blue Cross and Blue Shield
- CareSource
- Kaiser Permanente
- Oscar Health
- UnitedHealthcare
- Alliant Health Plans
Changes for 2027: Cigna is leaving the Georgia market at the end of 2026 and Antidote Health Plan is coming in. If you have Cigna, you're going to have to switch plans — it isn't optional. Let me know and we'll sort it out before you're left without coverage.
Your area of Georgia
Carriers and hospitals change from county to county. Pick yours.
What real clients say
15 reseñas verificadas en Google
Live in Georgia and don't know where to start?
I'll review your specific case, free and with no obligation. I'll tell you what options you have in Georgia today.
Message me on WhatsApp Or take the 3-question quiz ›Guides that may help you
Sources
General information, not legal or tax advice. Market figures reflect the latest published data and may change. For your specific situation, ask me or contact Georgia Access at 1-888-687-1503.