Although Georgia does not have a state-run insurance marketplace, Georgia residents have access to healthcare through the Affordable Care Act (Obamacare). At this time, the majority of US states are in a similar situation. To get your free Georgia health insurance quote, click here.
How to Apply
Georgians must enroll through Healthcare.gov. When prompted by the initial text box on this page, select “Georgia.” At this point, you be asked if you qualify for a special enrollment period (as a result of a life event, such as a birth, a job change, a move, or a marriage) and then prompted to select the type of coverage you want.
Types of Coverage
Through Obamacare, Georgia offers a four-tier system of health care with Bronze, Silver, Gold, and Platinum levels of coverage.
- Bronze – Has the lowest deductible, but you pay 40 percent of care expenses
- Silver – Has a low deductible, but you pay 30 percent of care expenses
- Gold – Has a high deductible, but you pay 20 percent of care expenses
- Platinum – Has the highest deductible, but you pay 10 percent of care expenses
All Obamacare plans cover an extensive list of essential health benefits which include such services as preventative care, maternity care, emergency care, and vision and dental care for minors. Although adult dental and vision coverage is not considered essential, some marketplace plans do include them. You can also purchase individual or family dental and vision plans outside of the marketplace.
Coverage for Small Businesses
Georgia employers with 50 or fewer full-time employees can purchase coverage through the SHOP program. SHOP gives employers a lot of flexibility in the coverage and variety of plans they can provide to their employees. If you have fewer than 25 full-time equivalent employees, you may qualify for a Small Business Health Care Tax Credit worth up to 50% of your premium costs.
When to Apply
Open enrollment runs from November 1, 2016 until January 21, 2017. If you have a qualifying event such as unemployment, lost/changed health insurance, marriage, divorce, or a move to Georgia, you can apply at any time.
Even though Georgia does not have a state-run marketplace, this doesn’t prevent Georgians from receiving coverage. The federal marketplace is open to all Georgia residents and coverage can also be purchased through private sites, such Healthinsurance.net.