As a requirement of the 2010 Patient Protection and Affordable Care Act (ACA), most U.S. citizens and legal residents were required to have health insurance beginning in 2014. In Georgia, residents can purchase insurance coverage through the federally-operated Health Insurance Marketplace. Individuals or families with incomes between 100 percent and 400 percent of the federal poverty level who purchase coverage through the Health Insurance Marketplace are eligible for tax credits, which will help offset their premium costs.
The 2018 open enrollment deadline for Georgia was extended from December 15 to December 31 due to the state of emergency declared as a result of Hurricane Irma. Individuals who did not enroll in a 2018 health insurance plan by December 31 cannot enroll unless they qualify for a Special Enrollment Period or Medicaid or CHIP. See if you qualify for either of these options.
For more information, visit healthcare.gov or contact Carie Summers or Donna Hatcher.
Health Insurance Marketplace consumers in Georgia have access to multiple benefit plan designs offered by different insurers (although some do not offer their products in all counties). Although the government operates the Marketplace, the plans are offered by insurance companies licensed in Georgia. All plans are required to offer the same set of essential health benefits but may have different networks of providers. Plans are classified into four categories: Bronze, Silver, Gold, and Platinum. Plan designs differ by the percentage of health care costs paid by the consumer.
The number of plans offered on the Health Insurance Marketplace in Georgia decreased to only four plans in 2018 with most counties having only one plan choice. For 2018, Blue Cross Blue Shield of Georgia, which was previously offered statewide, stopped offering individual coverage in all counties in Georgia that have another plan option.
Plans Offered on Healthcare.gov in Georgia
- Alliant offers health plans in 24 Northwest Georgia counties.
- Ambetter (Peach State Health Plan) offers plans in 44 counties statewide.
- Blue Cross Blue Shield of GA (BCBSGA) offers plans in 85 counties statewide.
- Kaiser offers plans in 20 counties, primarily in the Atlanta metropolitan area.