Georgia · 2027 Open Enrollment

Georgia ACA health insurance for 2027

Open Enrollment for 2027 Georgia Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Georgia and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.

What's new in Georgia for 2027

Georgia runs its own state-based Marketplace, Georgia Access, instead of HealthCare.gov. Cigna and UnitedHealthcare are leaving for 2027, so their members need to choose a new plan, and Antidote Health Plan is joining.

Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.

How to enroll in Georgia

Georgia residents enroll through Georgia Access, Georgia's state-based Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:

1. Enter your Georgia ZIP code, household size and estimated 2027 income.
2. Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
3. Pick a plan, submit your application and pay your first premium to activate coverage.

Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).

2027 Georgia Marketplace insurers

• Anthem Blue Cross and Blue Shield
• Ambetter from Peach State Health Plan
• CareSource
• Kaiser Permanente
• Oscar
• Alliant
• Antidote Health Plan (new for 2027)

Not every insurer sells plans in every county. Source: healthinsurance.org Georgia Marketplace guide and state rate filings, September 2026.

Medicaid and the coverage gap in Georgia

Georgia has not fully expanded Medicaid. Its Pathways to Coverage program covers some adults up to 100% of the poverty level who meet a work requirement. If your household may qualify for Georgia Medicaid, Pathways and PeachCare for Kids, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.

Where we help in Georgia

We enroll individuals, families, self-employed workers and early retirees across Georgia, including Atlanta, Savannah, Augusta, Columbus, Macon and Athens, plus rural counties. Everything is handled by phone and online, so there's no office visit.