Georgia no longer uses healthcare.gov. Most guides still tell you it does, which is the first problem with shopping for coverage here.
| Rate change | 2026: +34.6% approved · 2027: about +20.7% proposed |
|---|---|
| Where you enroll | Georgia Access — not healthcare.gov |
| Open enrollment | November 1 – January 15, set by the state |
| Medicaid | Pathways to Coverage — under 18,000 enrolled |
| Short-term plans | No state limit — see the federal note below |
Rate figures are approved 2026 plan year changes unless marked proposed. Proposed 2027 rates are carrier filings still under regulatory review — most states finalise in September and October, and approved rates routinely differ from filings. Ask me to confirm the current position for your county before you decide anything on these.
Georgia is the state where I most often have to correct something a client read somewhere else.
Georgia left the federal platform and now operates Georgia Access at georgiaaccess.gov, overseen by the Office of the Commissioner of Insurance and Safety Fire. The transition is recent enough that a great deal of published guidance — including material still ranking well in search — tells Georgians to enroll on healthcare.gov. That's no longer where you go.
There's an upside. Because Georgia sets its own calendar rather than following the federal one, it runs the longer window: November 1 through January 15, with a December 15 cutoff for coverage starting January 1 and February 1 starts for anyone enrolling after that. Confirm the current dates with me before you rely on them. States on the federal platform have faced a shorter window and an unsettled deadline.
Georgia partially expanded Medicaid in mid-2023 up to 100% of the federal poverty level, but attached a work requirement — 80 hours a month of employment, education, or community service for adults 19 to 64. The program is called Georgia Pathways to Coverage.
The take-up tells the story. As of May 2026, fewer than 18,000 people were enrolled statewide. So while Georgia is technically not a straightforward non-expansion state, in practice most of the coverage gap remains open. If your income is low, it's worth checking whether you qualify, but don't assume the program closes the gap for you.
Georgia sets no duration limit of its own, so the federal position governs by default. Following the August 2025 non-enforcement announcement explained below, some insurers in Georgia returned to offering short-term policies with total durations up to 36 months including renewals.
That makes Georgia one of the most permissive states in the country for non-Marketplace bridge coverage. It also means the term you're actually buying varies a lot by carrier, and it's worth reading rather than assuming.
What the federal rule actually says. The 2024 federal rule defining short-term, limited-duration insurance caps the initial term at three months and total duration at four months including renewals. That rule has not been repealed or struck down. On August 7, 2025 the Departments of Labor, Health and Human Services and the Treasury said they do not intend to prioritise enforcing it, and signalled new rulemaking. The longer durations described above rest on that discretionary non-enforcement position together with state law — not on a change to the federal definition. It can be revisited, so ask me where it stands before you plan around a long term.
What these plans are, stated plainly. Short-term plans are medically underwritten — the application asks about your health history, and coverage can be declined, limited, or priced based on what it says. They are not ACA-compliant: pre-existing conditions may be excluded, and the essential health benefits guaranteed on every Marketplace plan are not automatic. If anyone in the household is managing a condition, an ACA plan’s guaranteed coverage is usually worth the premium difference, and I’ll tell you so even though it’s the less profitable answer for me.
For 2027 coverage, premium tax credits end above $63,840 for one person and $132,000 for a household of four. Georgians above that line get nothing. For reference, Bronze plans in Georgia have been running roughly $340 to $380 a month for a 40-year-old before any subsidy — and above the cliff, "before any subsidy" is simply the price.
Above that line it's worth comparing the full range of what Georgia allows, which is wider than most states given its permissive rules on plan duration.
The Georgia Office of Commissioner of Insurance and Safety Fire maintains a public producer lookup. My NPN is 21388659.
Nothing. Brokers are paid a commission by the carrier, and it's built into the premium whether you use one or not — enroll direct and the carrier simply keeps it. The plan price is identical either way. There's a fuller explanation, along with my NPN, on the licensing page.
No. Georgia operates its own marketplace, Georgia Access, at georgiaaccess.gov, overseen by the Office of the Commissioner of Insurance and Safety Fire. Much published guidance still incorrectly directs Georgians to healthcare.gov because the transition is recent.
Georgia's partial Medicaid expansion, effective mid-2023, covering adults up to 100% of the federal poverty level who complete 80 hours per month of qualifying work, education, or community service. Enrollment has been very low — fewer than 18,000 people statewide as of May 2026 — so most of Georgia's coverage gap remains in practice.
Georgia imposes no state duration limit, so federal rules apply by default. Following the August 2025 federal non-enforcement announcement, some insurers in Georgia resumed offering short-term policies with total durations up to 36 months including renewals.
Licensed in Georgia and 28 other states as Rohr Health Advisors LLC. See the full list and verify the license, or start with the situation that matches yours.
Twenty minutes. Both markets priced side by side for your household.
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