Georgia Health Insurance Marketplace Guide

In Georgia, you can sign up for ACA Marketplace coverage through Georgia Access, which is the state-based Marketplace in Georgia. 

To enroll in an ACA Marketplace plan in Georgia, you can: 

• Visit Georgia Access, which is Georgia’s health insurance Marketplace. This platform will let you compare the available plans, determine your eligibility for financial assistance, and enroll in the coverage that best meets your needs. 
• Purchase individual and family health coverage with the help of an insurance agent or broker, a Navigator or certified application counselor, or an approved enhanced direct enrollment entity.
• Even now that Georgia has transitioned from HealthCare.gov to Georgia Access, enhanced direct enrollment entities can still enroll people in Marketplace coverage in Georgia. None of the other fully state-based exchanges use EDEs, so Georgia is unique in this regard.⁸

You can reach the Georgia Access call center by dialing 1-888-687-1503.

You may find affordable health insurance options in Georgia by enrolling in a plan through Georgia Access – especially if you’re eligible for financial assistance. 

Income-based subsidies called Advance Premium Tax Credits (APTC) are available due to the Affordable Care Act. APTCs can help lower your premium payments each month, and most enrollees are eligible for these subsidies.

89% of the people who enrolled in coverage through Georgia’s Marketplace for 2026 were receiving premium subsidies.⁵ Those subsidies saved them an average of $688/month. After subsidies were applied, the average subsidy-eligible enrollee’s monthly cost was about $89/month.⁵

Source: CMS.gov⁵

Although most Georgia Marketplace enrollees are eligible for premium subsidies, the state’s reinsurance program, which took effect in 2022, helps to keep premiums lower than they would otherwise be for people who aren’t subsidy-eligible.⁹

If your household income isn’t more than 250% of the federal poverty level, you may also qualify for cost-sharing reductions (CSR), which are another type of ACA subsidy. These subsidies can lower your deductibles and out-of-pocket expenses as long as you select a Silver-level plan.

Fifty-one percent of Georgia’s Marketplace enrollees were receiving CSR benefits as of 2026.¹⁰ But this was down from the year before, when two-thirds were receiving CSR benefits,¹¹ because many enrollees downgraded to Bronze plans for 2026 (CSR benefits are only available on Silver plans, but people downgraded to Bronze to mitigate the premium increases stemming from the expiration of federal subsidy enhancements).

Depending on your income and circumstances, you may find that you’re eligible for free or low-cost health coverage through Medicaid or PeachCare for Kids (Georgia CHIP).

Georgia partially expanded Medicaid in mid-2023 (up to 100% of the poverty level) but imposed a work requirement for eligibility. This has significantly limited the number of people who are newly eligible for coverage under the program, which is called Georgia Pathways to Coverage. As of April 2026, fewer than 17,000 people were enrolled in the Pathways program.¹²

Learn more about whether you might meet the criteria for Medicaid in Georgia.

Eight insurers are offering coverage through Georgia Access for 2026, with varying service areas:¹³ 

• Alliant
• Ambetter from Peach State Health Plan (Centene)
• Anthem Blue Cross and Blue Shield
• CareSource
• Cigna (all plans terminate at the end of 2026)
• Kaiser
• Oscar
• UnitedHealthcare

For 2027, Cigna will not offer Marketplace plans in Georgia or in any other state. Cigna enrollees will need to select new coverage from a different insurer during the open enrollment period that begins October 19, 2026 in Georgia.

There were nine participating insurers in Georgia’s Marketplace for 2025, but Aenta exited the Marketplace at the end of 2025, in all states where they offered coverage.

Mending (formerly Taro Health) had planned to join the Georgia Marketplace for 2026,¹⁴ but confirmed via email in October 2025 that they would not enter Georgia for 2026, and were reconsidering that as a possibility for 2027. However, Mending announced in June 2026 that they are exiting the insurance business and would be discontinuing plans at the end of 2026 in the two states where they offer Marketplace coverage.¹⁵

Coverage areas vary from one insurer to another. But in 2025, nearly all Georgia counties had Marketplace plans available from at least three insurers.¹⁶

For 2026, the following average rate increases were approved for Georgia’s Marketplace insurers, amounting to a weighted average increase of 34.6%, calculated before subsidies are applied.¹⁷

Source: ACA Signups¹⁷ and RateReview.HealthCare.gov.¹⁸

Average rate increases are for full-price plans, but almost 93% of Georgia Marketplace enrollees received premium tax credits in 2025, which helped reduce their monthly payments.¹⁹

However, those subsidies are available to fewer people in 2026 (89% of Georgia enrollees, down from 93% in 2025)⁵ and cover a smaller percentage of total premiums, because Congress did not extend the subsidy enhancements that expired at the end of 2025. The average net premium (including people who pay full price) in Georgia was $74/month in 2025,²⁰ and grew to $164/month in 2026.²¹

The expiration of the subsidy enhancements was a driving factor for the large rate increases that were approved for 2026¹⁷ (healthy enrollees are more likely to drop their coverage when it becomes more expensive, leading to an overall risk pool that’s less healthy).

If the cost of your current plan increases, you can explore other plans in the exchange that may be less expensive and offer similar benefits. Plan changes are possible during open enrollment, or with certain qualifying life events.

For perspective, here’s a summary of how average rates have changed over the years for Georgia’s ACA-compliant individual/family market:

• 2015: Average increase of 1%²²
• 2016: Average increase of 10.3%²³
• 2017: Average increase of 32.8%²⁴
• 2018: Average increase of 54.2%²⁵ (federal funding for cost-sharing reductions was eliminated)
• 2019: Average increase of 3.9%²⁶
• 2020: Average decrease of 0.9%²⁷
• 2021: Average increase of 4.8%²⁸
• 2022: Average decrease of 2.2%²⁹
• 2023: Average increase of 10.1%³⁰
• 2024: Average increase of 17.4%³¹
• 2025: Average increase of 9.9%³²

During the open enrollment period for 2026 coverage, 1,324,295 people enrolled in private plans through Georgia’s health insurance Marketplace.⁵

The chart below shows Georgia’s Marketplace enrollment over time. For several years, it hovered a little above or a little below 500,000 people, but has increased drastically in the last few years.

The increase was driven in large part by the enhanced premium subsidies created by the American Rescue Plan and the Inflation Reduction Act. But those expired at the end of 2025, leading to a significant decline in enrollment for 2026.

The enrollment growth for 2024 is also driven by the fact that many people were disenrolled from Medicaid, after disenrollments had been paused for three years during the pandemic. CMS reported that by April 2024, more than 265,000 people who had been disenrolled from Georgia Medicaid had transitioned to Marketplace coverage.³³  

Source: 2014,³⁴ 2015,³⁵ 2016,³⁶ 2017,³⁷ 2018,³⁸ 2019,³⁹ 2020,⁴⁰ 2021,⁴¹ 2022,⁴² 2023,⁴³  2024,⁴⁴ 2025⁴⁵ 2026⁵

Georgia Access: The Marketplace in Georgia. This is the platform where residents can enroll in coverage and obtain income-based financial assistance.

Georgia Department of Community Health (DCH) – Administers Georgia Medicaid and PeachCare for Kids.

Georgia Office of Insurance and Safety Fire Commissioner – Regulates and licenses health insurance products sold in the state, as well as the brokers and agents who sell them.

Georgia SHIP – A resource for Medicare beneficiaries and their caregivers, providing counseling and assistance with various Medicare issues.