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Individual and Family

How premium subsidies cut ACA health coverage costs in Georgia

Find out how the American Rescue Plan will drastically cut marketplace health insurance costs for Georgians from Atlanta, to Augusta, Savannah, Columbus and beyond. Enroll now during open enrollment (through January 15 in Georgia).

Calculate your subsidy savings!

Short-term coverage in Georgia

Consumers in Georgia can purchase short-term plans with initial terms up to 364 days and the option to renew for a total duration of up to 36 months. Read about state regulations and short-term plan availability in Georgia.

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Medicaid in Georgia

Georgia has not accepted federal funding to expand Medicaid under the Affordable Care Act, and the state’s Medicaid program is more restrictive than average. Read more about Medicaid and Medicaid expansion in Georgia.

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Medicare enrollment in Georgia

As of August 2020, there were nearly 1.77 million Georgia residents enrolled in Medicare. Read more about Medicare in Georgia – including details about Medicare Advantage plans, Medicare Part D prescription drug plans, and the state’s rules for Medigap plans.

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Flexible dental benefits. Fast approval.

Protect yourself from the soaring costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget.

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Frequently asked questions about health insurance
coverage options in Georgia

Georgia uses the federally run health insurance exchange/marketplace, so enrollments are completed via The exchange is for people who buy their own health insurance, which includes the self-employed, early retirees who aren’t yet eligible for Medicare, and people who are employed by a small business that doesn’t provide health benefits.

Georgia proposed a unique 1332 waiver — which was approved by CMS in November 2020, under the Trump administration — that would eliminate the exchange in Georgia as of 2023 and instead have people enroll in health plans via brokers, agents, and insurance companies. But the waiver approval is under review by the Biden administration, and it might not be implemented.

Georgia also received federal approval to create a reinsurance program that took effect in 2022.

Read more about the Georgia health insurance marketplace.

The open enrollment period for 2022 coverage ran from November 1, 2021 to January 15, 2022.

Outside of that window, you can only enroll or make a coverage change for 2022 if you qualify for a special enrollment period. In most cases, special enrollment periods require a qualifying life event. But some special enrollment periods (such as the enrollment opportunity for Native Americans, or for people earning under 150% of the poverty level) are available without a specific qualifying event.

If you have questions about opportunities to enroll in health coverage or make a plan change, you can learn more in our guide to open enrollment and guide to special enrollment periods.

11 carriers are offering 2022 insurance coverage through the Georgia health insurance marketplace. Five of those insurers are new for 2022, after joining or rejoining the exchange in the fall of 2021.

2022 coverage is offered in Georgia’s exchange from the following insurers, although availability varies by area:

  • Aetna
  • Alliant
  • Ambetter from Peach State Health Care Plan (Centene)
  • Blue Cross Blue Shield of Georgia
  • Bright Health
  • CareSource
  • Cigna
  • Friday Health Plans
  • Kaiser
  • Oscar
  • UnitedHealthcare

For 2022, five of the six existing insurers have implemented average rate decreases, with an overall average rate decrease of more than 2%. The lower premiums were due in part to Georgia’s new reinsurance program.

Although service areas vary from one insurer to another, most exchange enrollees in Georgia have access to plans from at least three different health insurance companies in 2022.

Georgia’s exchange enrollment reached a new record high for 2022, with 701,135 people enrolling in private plans during the open enrollment period that ended on January 15, 2022.

See a summary of how enrollment has changed over the years in Georgia’s exchange.

The states that have most 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 a 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% (about a 31% decrease), according to U.S. Census data.

By 2018, the state’s uninsured rate had crept back up to 13.7%, although it dropped slightly, to 13.4%, in 2019. Nationwide, the uninsured rate stood at 8.9 percent in 2018, and had increased to 9.2% by 2019, but Georgia’s uninsured rate declined slightly in 2019. But Georgia’s uninsured rate is still well above the national average, due in large part to the state’s refusal to accept federal funding to expand Medicaid.

But as of 2022, more than 700,000 Georgia residents enrolled in private health plans through the exchange. The vast majority of these enrollees were receiving premium subsidies that make their monthly premiums much less costly, and many were receiving cost-sharing reductions, which make out-of-pocket medical expenses (deductible, copays, coinsurance) more affordable.

All of these enrollees — as well as off-exchange enrollees and people with small-group coverage purchased since 2014 — have plans that provide coverage for the ACA’s essential health benefits. None of them have to worry about pre-existing conditions being excluded or about hitting a lifetime or annual benefit maximum if they get very sick. These improvements are all a result of the ACA.

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. Their replacements, David Perdue and Kelly Loeffler, were both Republicans, but they lost their Senate seats to Jon Ossoff and Raphael Warnock in a run-off election in early 2021. Ossoff and Warnock are Democrats who both support the ACA, including measures to improve it.

In the House, seven Georgia Republican and two Democratic representatives voted against the ACA in 2010, while four Democratic representatives voted yes. As of 2021, Georgia’s House delegation includes five Democrats and seven 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. Brian Kemp has a very conservative approach to governing and is opposed to the ACA. Kemp has proposed sweeping modifications to Georgia’s insurance market using 1332 waivers, in addition to a partial expansion of Medicaid.

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.

The Trump administration granted approval for Georgia’s proposal to partially expand Medicaid, albeit with a work requirement. The state’s proposal was expected to only cover a fraction of the people who would be eligible for coverage if the state simply expanded Medicaid as called for in the ACA, to all adults under age 65 with income up to 138% of the poverty level.

The Biden administration notified states that Medicaid work requirements are a non-starter, and officially rescinded approval for Georgia’s work requirement and premium requirement in late 2021. As of early 2022, Georgia had filed a lawsuit against the Biden administration over those rule changes, and the state’s partial expansion of Medicaid has been put on hold during the legal challenge.

Read more about Medicaid expansion 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.

As of October 2021, there were more than 1.8 million Georgia residents enrolled in Medicare. Most are eligible for Medicare due to age, but 16% of Georgia Medicare beneficiaries are under the age of 65 and are eligible for Medicare because of a disability.

You can read more about Medicare in Georgia – including details about Medicare Advantage plans, Medicare Part D prescription drug plans, and the state’s rules for Medigap plans.

Plans are available from top health insurance companies and may include:​

When it comes to health insurance in Georgia, we’re the voice of experience.

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Talking about health insurance since 1994.
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