When can I sign up for a 2027 Georgia Marketplace plan?

Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

Will I pay the full price shown?

Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

Can I keep my doctor?

203 of Georgia's 211 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

My plan is renewing. Do I need to do anything?

Compare before you let it renew. In metro Atlanta, the plans we checked cost a median 17% more for 2027 at the same age, before tax credits. 46 of the 114 2027 plans we reviewed are new plan IDs.

Has Georgia expanded Medicaid?

Georgia hasn't adopted full Medicaid expansion. Adults 19 to 64 with income up to 100% of the poverty level may qualify for Georgia Pathways. It requires 80 hours a month of work, school, training or volunteering. Apply at gateway.ga.gov.

On Georgia Access, the state's exchange, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

Can an agent switch my plan without my permission?

Georgia Access sends you a one-time passcode before a new agent can take over your account. If you get a passcode you didn't ask for, don't share it, and call Georgia Access at 888-687-1503.

Why are there two different Anthem plans?

Anthem sells two plan families on Georgia Access through separate companies: Pathway plans and Blue Value plans. They use different networks and prices, so a doctor who takes one may not take the other.

What if my income changes during the year?

Update Georgia Access. Starting with 2026 tax returns, there's no cap on paying back extra tax credit. An income increase you don't report can mean a large bill at tax time.

Georgia · Open enrollment Nov 1 – Jan 15

Georgia Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 7, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on Georgia Access, the state's own exchange.

Georgia had 9 Marketplace insurers and 211 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. In metro Atlanta, keeping the same plan costs a median 17% more before tax credits. It's worth comparing again, even if you're happy with your plan.

Find my Georgia planFree. See your price after tax credits.

What's different in Georgia for 2027

Cigna leaves after 2026 and UnitedHealthcare is reported to be leaving. Antidote Health is new. Alliant drops nine counties, including Macon, Warner Robins and Richmond County.
Insurers proposed 2027 increases of roughly 11% to 29% before tax credits. Your own change depends on your tax credit, so compare your new quote, not last year's.
The extra tax credits ended after 2025. Above 400% of the federal poverty level, about $62,600 for one person, you generally pay the plan's full price.
Several Georgia plans are built around one health system. Choose the doctors and hospitals you need first, then look only at plans that include them.

A woman smiling outdoors against soft green foliage

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

Lowest monthly price, from $371 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 68 Bronze plans work with a health savings account (HSA).
Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $474 at age 40; typical deductible $5,500 before those savings.
Higher monthly price, from $530 at age 40, but a much lower typical deductible of $1,450. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Georgia 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 6 catastrophic plans for people under 30.
Metal	Plans	From, age 40	Typical deductible	Deductible range
Bronze	Plans73	From, age 40$371	Typical deductible$7,500	Deductible range$0–$10,600
Silver	Plans79	From, age 40$474	Typical deductible$5,500	Deductible range$0–$7,000
Gold	Plans49	From, age 40$530	Typical deductible$1,450	Deductible range$0–$3,000
Platinum	Plans4	From, age 40$743	Typical deductible$500	Deductible range$0–$1,000

Which insurers sell in Georgia?

Not every insurer sells in every county. Your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Georgia hasn't published final rates yet. Antidote Health is new for 2027.
Insurer	Counties (2026)	Plans (2026)	Plan types	From (age 40)	CMS rating (2026)	2027 change
Anthem Pathway	Counties (2026)159 of 159	Plans (2026)51	Plan typesHMO	From (age 40)$441	CMS rating (2026)3 of 5	2027 change+16.9% proposed
Ambetter	Counties (2026)149 of 159	Plans (2026)33	Plan typesHMO	From (age 40)$464	CMS rating (2026)3 of 5	2027 change+10.8% proposed
Oscar	Counties (2026)73 of 159	Plans (2026)27	Plan typesHMO	From (age 40)$384	CMS rating (2026)2 of 5	2027 change+28.9% proposed
Kaiser Permanente	Counties (2026)20 of 159	Plans (2026)24	Plan typesHMO	From (age 40)$520	CMS rating (2026)5 of 5	2027 change+20.3% proposed
Alliant	Counties (2026)92 of 159	Plans (2026)23	Plan typesHMO, PPO	From (age 40)$371	CMS rating (2026)2 of 5	2027 change+21.5% proposed
CareSource	Counties (2026)134 of 159	Plans (2026)20	Plan typesHMO	From (age 40)$406	CMS rating (2026)2 of 5	2027 change+22.7% proposed
UnitedHealthcare	Counties (2026)53 of 159	Plans (2026)14	Plan typesHMO	From (age 40)$609	CMS rating (2026)4 of 5	2027 changeReported leaving
Cigna	Counties (2026)66 of 159	Plans (2026)11	Plan typesHMO	From (age 40)$532	CMS rating (2026)2 of 5	2027 changeLeaving after 2026
Anthem Blue Value	Counties (2026)102 of 159	Plans (2026)8	Plan typesHMO	From (age 40)$395	CMS rating (2026)Not yet rated	2027 change+12.2% proposed

Early look at 2027 prices in metro Atlanta

Georgia Access shows 2027 plans starting November 1.
Ahead of that, we checked 114 2027 plans against each insurer's rate filing and 2027 plan summary.
These insurers sold in Cobb, DeKalb, Fulton and Gwinnett in 2026. Each plan's 2027 counties are confirmed when Georgia Access opens; more insurers are added as they publish.

Monthly premium for one person age 40, before tax credits, Rating Area 3 (metro Atlanta). "Same plan vs. 2026" is the median change for plans offered both years. Tax credits can offset some of the increase.
Insurer	2027 plans	Lowest Bronze	Lowest Silver	Lowest Gold	Same plan vs. 2026
Oscar	2027 plans62	Lowest Bronze$659	Lowest Silver$924	Lowest Gold$975	Same plan vs. 2026+25%
Ambetter	2027 plans33	Lowest Bronze$827	Lowest Silver$774	Lowest Gold$878	Same plan vs. 2026+15%
CareSource	2027 plans19	Lowest Bronze$752	Lowest Silver$949	Lowest Gold$1,065	Same plan vs. 2026+12%

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Georgia plan

Georgia Marketplace questions

Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.
Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.
203 of Georgia's 211 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.
Compare before you let it renew. In metro Atlanta, the plans we checked cost a median 17% more for 2027 at the same age, before tax credits. 46 of the 114 2027 plans we reviewed are new plan IDs.
Georgia hasn't adopted full Medicaid expansion. Adults 19 to 64 with income up to 100% of the poverty level may qualify for Georgia Pathways. It requires 80 hours a month of work, school, training or volunteering. Apply at gateway.ga.gov.
On Georgia Access, the state's exchange, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.
Georgia Access sends you a one-time passcode before a new agent can take over your account. If you get a passcode you didn't ask for, don't share it, and call Georgia Access at 888-687-1503.
Anthem sells two plan families on Georgia Access through separate companies: Pathway plans and Blue Value plans. They use different networks and prices, so a doctor who takes one may not take the other.
Update Georgia Access. Starting with 2026 tax returns, there's no cap on paying back extra tax credit. An income increase you don't report can mean a large bill at tax time.

Where these numbers come from

2026 plans, premiums, deductibles and out-of-pocket maximums: CMS State-based Exchange Public Use Files, plan year 2026. Checked October 4, 2026.
2027 metro Atlanta premiums: rate filings in SERFF (Georgia Office of Insurance and Safety Fire Commissioner). 2027 benefits: each insurer's 2027 Summary of Benefits and Coverage, checked field by field.

AJC, Georgia 2027 ACA marketplace prices, October 2, 2026
The Current, Georgia ACA rates for 2027, August 31, 2026
GAO-26-108041, state exchange agent safeguards, July 2026
KFF, insurer participation changes in 2027, September 15, 2026
Georgetown CCF, Georgia Pathways and H.R. 1, 2026
Georgia Access, renew or update coverage, accessed October 7, 2026

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not Georgia Access or HealthCare.gov. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.