Health insurance in Georgia

How it works in Georgia

• Georgia Access, not HealthCare.gov. Since 2025 coverage, Georgians shop for Marketplace plans through Georgia Access, the state's own Marketplace. You can enroll on the Georgia Access website, through a certified enrollment partner, or with the help of an agent.
• Open Enrollment dates. Georgia Access posts the same dates as HealthCare.gov this year: Nov 1, 2026 to Jan 15, 2027. Enroll by Dec 15 for coverage starting January 1; Dec 16 to Jan 15 means a February 1 start.
• Income-based savings still apply. Premium tax credits work the same way in Georgia Access as on HealthCare.gov. Here's how they work.
• Medicaid. Georgia hasn't fully expanded Medicaid. Georgia Pathways offers limited coverage for adults with incomes up to 100% of the federal poverty level who meet monthly work or activity requirements. If your income is very low, call me and we'll look at what's open to you.

Who I help in Georgia

I work with Georgians by phone and text, from metro Atlanta to the smallest county. If you're self-employed, gig or contract working, between jobs or retired before 65, and you don't get insurance through work, you're who I help every day.

Marketplace plans and private plans, side by side

Because I'm independent, I can show you more than one kind of coverage:

• ACA Marketplace plans (through Georgia Access) follow ACA rules: they cover pre-existing conditions and essential health benefits, and they're the only plans that come with the premium tax credit.
• Private plans sold outside the Marketplace are not ACA plans. They're medically underwritten, so approval isn't guaranteed, and they may not cover pre-existing conditions. They don't come with tax credits. For some healthy people, or people who don't qualify for much savings, they can be worth comparing.

I'll explain the trade-offs in plain English so you can decide what fits. You pick; I never push.

State help for Georgians

The Georgia Office of Commissioner of Insurance has a Consumer Services Division at 1-800-656-2298. To see every Marketplace plan yourself, visit GeorgiaAccess.gov.

Licensed and independent

I'm Terry Metelus-Kleef, an independent health insurance agent (NPN 20058049) licensed in Georgia and 30 other states. I'm not tied to one insurance company, I'm not affiliated with Georgia Access or the State of Georgia, and there's no fee for my help. See my license details.