Georgia Health Insurance Help, from Georgia Access to PeachCare

Reviewed by Steve Turner, CLU, REBC · Georgia License 3440847 · NPN 18030539 · November 2026.

I’m Steve Turner, a licensed health insurance agent and broker, and I’m licensed in Georgia. My office is in Tampa, Florida, and I work with Georgia clients by phone, video, and secure e-signature, so you get personal help without leaving home. Insurance companies pay my commission, so my help costs you nothing, and you pay the same premium you’d pay if you bought directly.

Georgia does health insurance its own way. It left HealthCare.gov, runs its own Marketplace, has a limited Medicaid program with work requirements, and has its own children’s program. Here’s what that means for you.

Georgia runs its own Marketplace: Georgia Access

Georgians no longer enroll through HealthCare.gov. Since the 2025 plan year, Georgia Access, the state’s own marketplace, sells individual and family plans. You can enroll on GeorgiaAccess.gov, or through a Georgia Access-certified agent, and still get the same subsidies. I’m appointed with Ambetter of Peach State and Alliant Health Plans.

• 2027 open enrollment: November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1. (Source: GeorgiaAccess.gov)
• Fewer insurers for 2027. Cigna and UnitedHealthcare are leaving Georgia’s Marketplace, and the eight remaining insurers have finalized rates 11% to 29% higher than last year, before subsidies.
• If your insurer is leaving, Georgia Access may automatically move you to another company’s plan. That plan may not include your doctors or medications, so check it before January 1.
• Don’t let your plan auto-renew without comparing. With rates and insurers changing this much, last year’s best plan may not be this year’s.

Medicaid in Georgia: Pathways to Coverage

Georgia hasn’t fully expanded Medicaid. Instead, it runs Georgia Pathways to Coverage, which covers adults with incomes up to the federal poverty line who report at least 80 hours a month of work, school, volunteering, or other qualifying activity. As of mid-2026, fewer than 18,000 Georgians were enrolled. The program was extended through December 2026, and the state has asked to continue it, so check its current status before you apply.

If your income is too low for Marketplace subsidies and Pathways doesn’t fit, I’ll tell you plainly rather than sell you something you can’t afford.

Coverage for Georgia kids: PeachCare for Kids

PeachCare for Kids is Georgia’s children’s health program. It covers children through age 18 in families earning up to about 247% of the federal poverty level, which is too much for Medicaid but often too little for an affordable family plan. Children under 6 get free coverage, and older children pay small monthly premiums. A family can have parents on a Georgia Access plan and kids on PeachCare, and I’ll help you work out which fits before you enroll anyone.

Small-business and self-employed coverage in Georgia

If you’re self-employed, a Georgia Access plan with an accurate income estimate is usually the place to start. If you have a few employees, I’ll compare a small-group plan with a reimbursement arrangement (QSEHRA or ICHRA) so you can see what each would cost before you commit.

How working with me from Tampa works

• We meet by phone or video, on your schedule, seven days a week from 7 a.m. to 8 p.m. Eastern.
• You sign electronically. No printing or mailing.
• I check your doctors and prescriptions against each plan’s network and drug list before recommending anything.
• I’m still your agent after you enroll, for claims questions, a new prescription, a move, or a life change.

Georgia questions

Do I still use HealthCare.gov in Georgia? No. Georgia moved to its own marketplace, Georgia Access, starting with 2025 coverage. If you start at HealthCare.gov with a Georgia ZIP code, it sends you to Georgia Access. You can also enroll through a certified agent.

My insurer is leaving Georgia Access for 2027. What happens to me? Georgia Access may place you in a plan from another insurer so you aren’t left uncovered, but it won’t check whether your doctors and medications are included. Compare plans and choose one yourself by December 15 for coverage starting January 1.

You’re based in Florida. Can you really help me in Georgia? Yes. I’m licensed in Georgia, and I work with Georgia clients entirely by phone, video, and e-signature. You can verify my Georgia license through NIPR using my National Producer Number, 18030539.

Talk with Steve

Call or text (813) 388-8373, seven days a week, 7 a.m.–8 p.m. Eastern, or book a call.

Related: Individual & family health insurance · Group health insurance · All areas we serve