Health insurance in Georgia
- Georgia utilizes a federally facilitated health insurance exchange.
- Open enrollment for 2020 health plans has ended, although residents with qualifying events can still enroll or make changes to their coverage for 2020. The next open enrollment period, for plans effective in 2021, will begin November 1, 2020.
- Short-term health plans can be sold in Georgia with initial plan terms up to 364 days.
- Six insurers are offering 2020 coverage through the Georgia exchange.
- Georgia has not accepted the ACA’s Medicaid expansion.
Georgia’s health insurance marketplace
Georgia uses the federally run health insurance exchange, so enrollments are completed via HealthCare.gov.
Open enrollment for 2020 health plans has ended, although Georgia residents with qualifying events can still enroll or make changes to their coverage for 2020. The next open enrollment period, for plans effective in 2021, will begin November 1, 2020.
Four insurers that offered coverage in 2019 are continuing to offer 2020 plans through the exchange, but Oscar Health and CareSource also filed plans to join the exchange.
Read our overview of Georgia’s health insurance marketplace.
Medicaid coverage in Georgia
The benefits of Medicaid remain out of reach for many Georgians. Georgia has not accepted federal funding to expand Medicaid under the ACA, and the state’s Medicaid program is more restrictive than average, with only six states having lower income limits for Medicaid eligibility for low-income parents.
An estimated 726,000 Georgians would gain coverage if the state accepted the Medicaid expansion.
Read more about Medicaid expansion in Georgia.
Short-term health insurance in Georgia
Georgia does not have state-specific regulations for short-term health insurance plans, so the state defaults to the federal regulations.
That means insurers in Georgia can offer short-term plans with initial terms up to 364 days and the option to renew for a total duration of up to 36 months. (Insurers can also offer plans with shorter maximum durations, however, and prohibit renewal if they choose to do so.)
Read more about short-term health insurance in Georgia.
How has Obamacare helped Georgia?
Most states that have successfully reduced their uninsured population through the Affordable Care Act have implemented a state-run or partnership exchange and/or expanded Medicaid. Georgia has done neither of these things, which is typically an indication of opposition to the ACA.
The state’s uninsured rate has seen moderate decline from 2013, just before Obamacare plans took effect. Through 2016, the percentage of Georgia residents without health insurance dropped 5.9 percentage points from 18.8 to 12.9 percent (about a 31 percent decrease), according to U.S. Census data. But in 2017, the state’s uninsured rate crept back up to 13.4 percent. Nationwide, the uninsured rate went from 14.5 to 8.6 percent (nearly a 41 percent decrease) from 2013 to 2016, and increased slightly, to 8.7 percent in 2017. Georgia’s refusal to accept federal funding to expand Medicaid is a bit part of why the state’s uninsured rate is higher than the national average.
Georgia and the Affordable Care Act
Georgia politics are dominated by Republicans at the federal and state levels, and the Affordable Care Act has generally been deeply unpopular with local lawmakers.
When the Senate voted on the Affordable Care Act on Christmas Eve, 2009, Republican U.S. Senators Saxby Chambliss and John Isakson both voted against the bill. Isakson is still in the Senate, and the current Junior Senator, David Perdue, also a Republican, is opposed to the ACA. Both men voted in favor of repealing the ACA in 2017, although the only measure that Republicans were ultimately able to pass was repeal of the individual mandate starting in 2019.
In the House, seven Georgia Republican and two Democratic representatives voted against the ACA in 2010, while four Democratic representatives voted yes. As of 2018, Georgia’s House delegation includes four Democrats and ten Republicans. During the 2017 legislative session, Representatives from Georgia were split along party lines in terms of their votes for or against ACA repeal.
At the state level, Gov. Nathan Deal and Insurance Commissioner Ralph Hudgens stand out as two of the law’s harshest critics. Georgia defaulted to the federally facilitated health insurance marketplace and did not expand Medicaid. Georgia was among the states that imposed restrictions on navigators, who were intended to help consumers enroll in the marketplace.
During its 2014 session, the Georgia Assembly passed laws that prohibit the establishment of a state-run marketplace, disallow the use of taxpayer money for navigator programs, and forbid government employees from advocating for Medicaid expansion.
Medicare in the state of Georgia
Georgia Medicare enrollment reached nearly 1.7 million by late 2018. That was about 16 percent of the state’s population compared with 18 percent of the total U.S. population enrolled in Medicare. In Georgia, 82 percent of Medicare recipients qualify based on age alone while 18 percent qualify for Medicare as the result of a disability.
Georgia Medicare beneficiaries may choose a Medicare Advantage plan instead of original Medicare as a way to gain additional benefits. 34 percent of Georgians enrolled in Medicare have selected a Medicare Advantage plan instead of a traditional Medicare plan, which is very much in line with the national average of 33 percent.
Georgia health insurance resources
State-level reform in Georgia
Scroll to the bottom of this page for a summary of what’s happening at the state level with healthcare reform in Georgia.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.