Georgia health insurance plans
How individual and family health coverage works in Georgia, in plain language.
Where Georgia residents shop
Georgia residents who buy their own coverage shop on Georgia Access at georgiaaccess.gov. That is also where income-based help with monthly premiums (premium tax credits) is applied. Georgia runs its own marketplace, so it has its own enrollment dates and rules.
Georgia Access is run as a division within the state's own insurance regulator (OCI), not a separate standalone marketplace agency the way most other state-based exchanges are structured -- one agency handles both the marketplace and general insurance complaints.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Georgia, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
Georgia Medicaid and PeachCare for Kids are administered by the Department of Community Health (DCH) -- DCH is the right place to start if your Georgia Medicaid eligibility changed.
Georgia Access, live since the November 2024 open enrollment period, is Georgia's own marketplace and takes the place of HealthCare.gov for Georgia residents shopping for ACA coverage.
GeorgiaCares, reachable at 1-866-552-4464 (option 4), provides Medicare counseling for Georgia residents at no cost, entirely separate from Georgia Medical Insurance's own free phone help.
Questions
Where do I shop for ACA health plans in Georgia?
Georgia residents shop through Georgia Access (https://georgiaaccess.gov). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Georgia?
Medicaid in Georgia is run through Georgia Department of Community Health (DCH) (https://medicaid.georgia.gov). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Georgia?
Georgia Office of Commissioner of Insurance and Safety Fire (OCI) (https://oci.georgia.gov) regulates insurance companies and agents in Georgia. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Georgia?
Yes. GeorgiaCares (1-866-552-4464) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Georgia Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Questions about Georgia health plans? Call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.