Georgia Open Enrollment 2027 for Small Business Owners
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
For small business owners in Georgia, Georgia Access sets the 2027 open enrollment dates; check its site for this year's deadlines. Your own coverage can also come from a private, medically underwritten plan, which does not wait for the window: if approved, it can start the first of any month.
What 2027 looks like for you
Georgia's average 2027 rate change is 20.7% (finalized). The details are on the Georgia 2027 premium increase page.
Group plans can renew at any point in the year, so open enrollment matters to owners for two reasons: an individual coverage HRA, or ICHRA, reimburses employees for individual plans they choose, and most of that shopping happens in this window; and an owner covering only the household buys in the individual market too. For your own household, the 2027 subsidy line is $63,840 for one person, $86,560 for two and $132,000 for four.
Georgia this year
Georgia's finalized individual increase averages about 20.7 percent for 2027, one of the steeper jumps in the Southeast. The trackers I use did not report a Georgia small-group average, so your own renewal letter is the number to compare. Georgians shop through Georgia Access, the state exchange in use since the 2025 plan year, often with web brokers and agents connected to it. Under an ICHRA, employees of an Atlanta film production company, a Savannah port logistics firm or a small business near Fort Stewart would pick plans there. State reinsurance trims premiums somewhat, but it could not prevent a 20 percent average climb.
Georgia's 2027 data does not show a small-group average, so your own group renewal is the number to compare against an ICHRA quote.
One thing to do before you choose
Ask for your group renewal quote early and set it beside Georgia Access prices for a few employees of different ages. With individual premiums up about 20.7 percent, an ICHRA allowance that looked generous in 2026 may stretch less in 2027. If you only need coverage for yourself and family, I can also quote private plans priced on age, ZIP code and health; they are not ACA Marketplace plans, and approval depends on health answers.
Your checklist
- Your 2027 group renewal letter and its effective date
- How many employees you have and where they live
- A fixed monthly ICHRA budget you could offer
- Your own household's coverage, priced separately
Private plan or Marketplace?
Private plan
For the owner's own household when everyone is healthy: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.
Marketplace
For employees on an ICHRA, or an owner with ongoing care: Georgia Access accepts everyone during open enrollment.
Compare Georgia plans this open enrollment
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307), licensed in 31 states including Georgia. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.
Questions
Who sets Georgia's 2027 open enrollment deadline?
Georgia Access, Georgia's own exchange. Check its site for this year's dates before you plan around them.
When someone quits my Georgia company, how long can they continue our group coverage?
Georgia's insured group plans owe three months of continuation, plus whatever remains of the month coverage stops, to people enrolled at least six months. Longer continuation exists for some workers 60 and older leaving larger employers, so a small Georgia shop should plan around the shorter window.
Can I get a private plan in Georgia after open enrollment closes?
Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.
More for Georgia
- Georgia open enrollment 2027: dates and options
- Georgia open enrollment for self-employed
- Georgia open enrollment for families
- Georgia open enrollment for early retirees
- Georgia open enrollment for people between jobs
- Georgia open enrollment for individuals
- Georgia open enrollment for people over the subsidy line
- Georgia open enrollment for marketplace renewals
- Small business health insurance in Georgia
- Georgia health insurance quotes
Official source: Georgia Access. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Georgia and 30 other states, NPN 21032307. Last updated November 3, 2026.