Health Insurance in Georgia for the Self-Employed & Families

I am an independent, licensed health insurance broker and I am licensed in Georgia. I compare Georgia plans across multiple insurance companies, explain the trade-offs in plain English, and help you enroll. There is no fee for my help — the insurance company pays the broker, not you.

Georgia moved off HealthCare.gov to its own platform, Georgia Access, for plan year 2025.

How coverage works in Georgia

Georgia does not use HealthCare.gov. It runs its own marketplace, Georgia Access, and that is where Georgia residents enroll in an ACA plan and claim a premium tax credit. The plans, the carriers and the subsidy rules are the same federal ones — only the front door is different. If you have enrolled through HealthCare.gov in the past, this trips people up every year, and I will point you at the right site.

The coverage gap — worth understanding before you shop

Georgia is one of the states that has not adopted full Medicaid expansion. Georgia’s Pathways program covers some adults who meet a work requirement, but it is far narrower than a full expansion. That creates the so-called coverage gap: premium tax credits on the marketplace generally start at 100% of the federal poverty level, and Georgia Medicaid covers only certain groups — typically pregnant women, parents of minor children, and people with disabilities — at very low incomes. Some adults earning under the poverty level end up eligible for neither.

If that sounds like your situation, do not assume you are stuck. There are usually still options worth looking at, and it costs you nothing to ask.

Your realistic options in Georgia

• ACA / marketplace plans. Guaranteed acceptance — your health history cannot be used to decline you or raise your price. If your income qualifies, a premium tax credit lowers what you pay each month.
• Private, medically underwritten plans. These ask health questions. For healthy applicants they are often cheaper than full-price marketplace coverage, and they can be applied for at any time of year rather than only during Open Enrollment.
• Small business / group coverage. If you have employees in Georgia, group coverage is worth pricing — it is often the strongest benefit a small employer can offer.
• Short-term and supplemental. Useful for bridging a gap between jobs, or adding dental, vision, accident and critical-illness coverage alongside a main plan. Duration limits vary by state, so ask me what applies in Georgia right now.

Who I usually help in Georgia

Self-employed people and 1099 contractors, families buying their own coverage, people who have just lost coverage through a job, small business owners, and people retiring before Medicare starts. If you earn too much to qualify for a premium tax credit, that is worth a conversation: the enhanced subsidies expired, so there is now a hard cut-off at 400% of the federal poverty level, and above it the math changes.

Posey Health Solutions · National Producer Number 20609967 · licensed in Georgia and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability and carrier participation vary by county and plan year.