How to Get Health Insurance Quotes in Georgia
Last updated · By Frank Caballero, licensed health insurance broker, NPN 21032307
Short answer
In Georgia, self-employed people and families usually compare two kinds of quotes: private, medically underwritten plans priced on age, ZIP code and health, and Georgia Access Marketplace plans, where household income sets any subsidy.
If approved, a private plan can start the first of any month; Georgia Access plans follow open enrollment unless you qualify for a special enrollment period.
Frank Caballero, a licensed broker (NPN 21032307), quotes both for Georgia households from Atlanta to Macon by phone or video, at no fee.
Georgia at a glance
| Where ACA plans are sold | Georgia Access (state exchange since the 2025 plan year) |
|---|---|
| Medicaid expansion | Not expanded |
| Open enrollment for 2027 coverage | Set by Georgia Access; check its site for 2027 deadlines |
| Private plan enrollment | Any month, if approved |
| 2027 subsidy line (400% of the poverty level) | $63,840 for one person; $132,000 for a family of four |
| 2027 Marketplace out-of-pocket maximum | $12,000 for one person; $24,000 for a family |
| 2027 average Marketplace rate change | 20.7% (final) |
| Largest metro areas | Atlanta, Augusta, Savannah, Columbus and Macon |
What a quote takes
- Book a 15-minute call by phone or video, in English or Spanish. There is no fee.
- Have ready: your Georgia ZIP code, everyone's ages, your doctors (in Atlanta, Augusta or elsewhere), prescriptions, a rough income estimate for the Georgia Access side and your health history for the private side.
- Frank prices private plans from your health answers and Georgia Access Marketplace plans from your income, and checks each network for your doctors.
- Next, a private application goes to the insurer for an underwriting decision; if approved, coverage can start the first of the next month. Georgia Access enrollment happens in open enrollment or a special enrollment period, with Frank's help.
Private plan vs. the Marketplace in Georgia
| Feature | Private, medically underwritten plan | Georgia Access Marketplace plan |
|---|---|---|
| Priced on | Age, ZIP code and your health answers | Age and ZIP code; household income sets any subsidy |
| Coverage can start | The first of any month, if approved | After open enrollment, or after a qualifying event in a special enrollment period |
| Health questions | Yes, and approval depends on the answers | No |
| Networks | Many private plans use national PPO networks | Many Georgia Marketplace plans are HMO or EPO networks inside the state |
| Benefits and pre-existing condition rules | Vary by plan; read the plan documents before you apply | Every plan covers essential health benefits and pre-existing conditions |
Short-term plans are available in Georgia as a bridge of a few months under federal rules. They do not cover pre-existing conditions. The private plans we quote are year-round and medically underwritten, not short-term.
Georgia rules that shape a quote
Georgia runs its own exchange, Georgia Access, which certifies plans and lets residents enroll directly or through licensed agents and approved web brokers. The state also funds a reinsurance program that lowers premiums. Georgia's continuation law applies to insured group plans of any size and lasts three months plus the rest of the month coverage ends, with a longer option for people 60 and older leaving larger employers. Georgia sets no state duration limit for short-term plans, so federal rules apply. Final 2027 individual rates average about 20.7 percent higher, one of the larger increases in the Southeast.
Who usually starts with which
Price a private plan first
You are in good health, self-employed or a business owner, and your household income is above the Georgia subsidy line of $63,840 for one person or $132,000 for a family of four. Above that line you pay the full Georgia Access premium, so a plan priced on health may cost you less.
Start with Georgia Access
You have health conditions that could affect a private approval, or your household income may qualify for a subsidy. Georgia Access Marketplace plans cannot turn you down or charge more because of your health.
Common self-employed work in Georgia: Film and television production crews, truck drivers and logistics contractors around the Port of Savannah and Hartsfield-Jackson, construction trades, real estate agents across metro Atlanta, military spouses running small businesses near Fort Eisenhower and Fort Stewart, and poultry and row-crop farm families.
Georgia had about 1.37 million small businesses in the SBA's 2025 profile, 99.7 percent of all firms, and they employ 42.5 percent of Georgia employees. About 1.18 million of those businesses have no employees. Census nonemployer counts show the solo economy spread across personal and repair services, with about 161,000 owners, transportation and warehousing at about 148,000, administrative and support services at about 146,000, professional and technical services at about 136,000, and construction at about 124,000. Veterans own 6.4 percent of Georgia businesses.
Georgians now shop on Georgia Access, the state-run exchange, and its 2026 open enrollment produced 1,324,295 plan selections, the fourth-largest total of any state. That was roughly 12 percent below the 1,510,852 of 2025, a sharp drop as the enhanced federal credits ended. CMS data show 89.1 percent of 2026 enrollees got an advance premium tax credit, so about 10.9 percent, close to 144,000 people, paid the whole premium, up from 7.4 percent a year earlier. In the 2024 Census survey, about 39.6 percent of Georgia households reported incomes of $100,000 or more.
Business owners with employees
Georgia's small-group market covers employers with 50 or fewer employees, priced across the same 16 rating regions the state uses for individual plans. Filings posted on the federal rate review site show one insurer's small-group HMO and PPO lines requesting about 7 and 6 percent, far below the 20.7 percent individual-market average. Some insurers redact their figures, so ask for your own renewal early and compare it against the individual market for each employee.
Leaving a job or group plan
Georgians leaving COBRA or state continuation enroll through Georgia Access, not HealthCare.gov. Losing coverage opens a 60-day special enrollment window, and you can apply before the end date. Georgia Access gives this example: if your coverage ends February 28 and you enroll February 10, the new plan starts March 1. Dropping COBRA early by choice does not count as a qualifying loss. Because Georgia's state continuation lasts only about three months, mark the end date the day you elect it.
If you are self-employed in Georgia, premiums for you and your family are often deductible on your federal return, whichever kind of plan you choose. General information, not tax advice — confirm with your CPA based on your specific entity structure.
2027 rates in Georgia
Georgia Access premiums in Georgia are set to rise 20.7% on average for 2027 in finalized filings; the Georgia 2027 premium increase page has the details.
About your broker
Frank Caballero is a licensed health insurance broker, NPN 21032307, licensed in 31 states including Georgia. He is based in Tampa and works with Georgia clients by phone or video, in English and Spanish. There is no fee to the client. FC Insurance Solutions is BBB Accredited with an A rating and rated 4.9 on Google from 78 reviews. More about Frank · License list
Georgia health insurance quote questions
Can I get a private health insurance quote in Georgia outside open enrollment?
Yes. Private, medically underwritten plans can be quoted in Georgia any time of year and, if approved, start the first of any month. Georgia Access Marketplace plans need open enrollment or a special enrollment period, such as after losing other coverage.
How long does a Georgia health insurance quote take?
About 15 minutes by phone or video. Georgia Access prices come from your ZIP code, ages and income estimate; private plans also need your health history, and the insurer decides after you apply.
Do I need to go through Georgia Access to get a quote?
No. Georgia uses its own exchange, Georgia Access. Georgia Access sets its own open enrollment dates; check its site for 2027 deadlines. A licensed broker can quote Georgia Access plans and private plans in the same call, and private plans are not sold through Georgia Access at all.
Is there a fee to use a health insurance broker in Georgia?
No. Frank charges Georgia clients nothing; the insurance company pays the broker, and you don't pay extra for the help.
What if I have a pre-existing condition in Georgia?
Georgia Access Marketplace plans cannot decline you or charge more because of your health, so Georgia Access is often the place to start. Private plans in Georgia ask health questions, and approval depends on your answers.
What is Georgia Access?
Georgia's own health insurance exchange. It replaced HealthCare.gov for Georgia residents starting with the 2025 plan year. Subsidies work the same way; the website is different. I can enroll you there or quote a private plan next to it.
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Official sources
FC Insurance Solutions LLC is a private, licensed insurance brokerage. It is not HealthCare.gov, a state exchange or a government agency.