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Health Insurance Solutions

Licensed in Georgia

Health insurance and Medicare in Georgia

Health Insurance Solutions is an independent agency licensed in Georgia. Our agents compare ACA marketplace, Medicare and other health plans for people in Georgia at no cost to you. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on Georgia Access.

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Facts reviewed

Georgia at a glance for 2027

Marketplace
Georgia AccessRun by the state
Open enrollment for 2027
November 1, 2026 to January 15, 2027
For coverage on January 1
Pick a plan by December 15, 2026
Medicaid
Not expandedGeorgia Medicaid
Medicare plan changes
October 15 to December 7, 2026
Medicare counseling
GeorgiaCaresFree and unbiased

What changes in Georgia for 2027?

Smaller marketplace savings

The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

No Medicaid expansion

Georgia has not expanded Medicaid. Most adults without children or a disability do not qualify for Georgia Medicaid, and adults earning less than the poverty line usually cannot get marketplace savings either. Georgia Pathways to Coverage offers Medicaid to adults with income up to the poverty line who log 80 hours a month of work, school, job training or volunteering. Federal law changes the Pathways rules on January 1, 2027, and current members are affected at their 2027 renewal.

Medicare plan changes

Medicare's annual enrollment period runs October 15 to December 7, 2026. If you have a Medicare Advantage plan, you can switch again from January 1 to March 31, 2027.

How much help can I get with health insurance in Georgia for 2027?

Enter your household size and expected income to see your estimated 2027 premium and whether Georgia Medicaid may apply.

You expect to pay about $289 a month

That is 8.68% of your income for the benchmark silver plan, at 251% of the poverty level. Add the benchmark plan price above to see your tax credit.

Poverty level used: $15,960 for 1 person (2026 guidelines).

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This is an estimate, not a quote. Open the full calculator.

How do I get health insurance in Georgia?

  1. Mark your dates

    Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on Georgia Access.

  2. Check Medicaid and savings

    Georgia Medicaid mainly covers children, pregnant women, people with disabilities, seniors with low income and some parents with very low income. Most other adults shop on Georgia Access, where savings start at 100% of the federal poverty level.

  3. Compare plans with a licensed agent

    A Health Insurance Solutions agent licensed in Georgia compares the plans available in your ZIP code, explains the tradeoffs and helps you enroll. Our help costs you nothing.

  4. Enroll before the deadline

    Pick a plan by December 15, 2026 for coverage that starts January 1, 2027. After open enrollment ends, you usually need a qualifying life event, like losing other coverage or moving, to enroll.

Talk to an agent licensed in Georgia

We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.

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Good to know in Georgia

Georgia runs its own marketplace, Georgia Access, so Georgians apply there instead of HealthCare.gov.

What should people with Medicare in Georgia know?

Medicare dates are the same in every state. Each state sets its own Medigap rules, so that is where Georgia differs.

How Medicare coverage works
Annual enrollment period
October 15 to December 7, 2026. Join, switch or drop a Medicare Advantage or Part D plan for 2027.
Medicare Advantage open enrollment
January 1 to March 31, 2027. If you have a Medicare Advantage plan, you can switch to another one or return to Original Medicare.
Medigap if you are under 65
Yes. State law requires insurers to offer Medigap to people under 65 who have Medicare because of a disability.
Switching Medigap plans
Georgia has no birthday or anniversary rule. After your Medigap open enrollment period, insurers can usually ask health questions before selling you a new policy, except in federal guaranteed issue situations.
Free, unbiased counseling
GeorgiaCares. Find a local counselor at shiphelp.org.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Plans we help with in Georgia

Local guides for Georgia cities

Find insurers and hospitals in Georgia

Browse state-specific insurer and hospital listings, see the sources, and learn what to confirm before you choose a plan.

Explore Georgia insurers and hospitals

Health insurance for Georgia business owners

Small business

How do I get health insurance for my small business in Georgia?

Group plans, the tax credit and the state rules for employers.

Georgia health insurance questions

When is open enrollment for 2027 health insurance in Georgia?

Open enrollment for 2027 coverage in Georgia runs from November 1, 2026 to January 15, 2027 on Georgia Access. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.

Can I get health insurance in Georgia after open enrollment ends?

Yes, if you have a qualifying life event. Losing other coverage, moving, getting married or having a baby usually opens a 60-day special enrollment period on Georgia Access. Medicaid and CHIP accept applications all year.

Can I still get help paying for a marketplace plan in Georgia in 2027?

Yes, if your household income is between 100% and 400% of the federal poverty level. The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

Has Georgia expanded Medicaid?

No. Georgia has not expanded Medicaid. Most adults without children or a disability do not qualify for Georgia Medicaid, and adults earning less than the poverty line usually cannot get marketplace savings either. Georgia Pathways to Coverage offers Medicaid to adults with income up to the poverty line who log 80 hours a month of work, school, job training or volunteering. Federal law changes the Pathways rules on January 1, 2027, and current members are affected at their 2027 renewal.

Do Medicaid work requirements apply in Georgia?

Only for some programs. Georgia Pathways to Coverage offers Medicaid to adults with income up to the poverty line who log 80 hours a month of work, school, job training or volunteering. Federal law changes the Pathways rules on January 1, 2027, and current members are affected at their 2027 renewal. Because Georgia has not expanded Medicaid, the federal expansion work requirement does not apply to other adults.

Can I switch Medigap plans in Georgia without health questions?

Usually only in limited cases. Georgia has no birthday or anniversary rule. After your Medigap open enrollment period, insurers can usually ask health questions before selling you a new policy, except in federal guaranteed issue situations.

Where can I get free Medicare counseling in Georgia?

In Georgia, free and unbiased Medicare counseling comes from the State Health Insurance Assistance Program, called GeorgiaCares. You can find a local counselor at shiphelp.org.

Is Health Insurance Solutions licensed in Georgia?

Yes. Health Insurance Solutions is an independent insurance agency licensed in Georgia and 21 other states. Our agents compare plans from multiple insurers and help you enroll, at no cost to you.

Sources

Facts reviewed

Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.

Other states we serve

Compare all 22 states