Finding Affordable Health Coverage with the New Georgia Access Marketplace
What is Georgia Access
The landscape of health insurance in our state has officially changed. Georgia has transitioned away from the federal HealthCare.gov platform to its own state-based marketplace: Georgia Access.
With open enrollment underway, we want to help you understand what this change means for you and, most importantly, how it can help you find a more affordable plan.
For Georgia, By Georgia
Georgia Access is the new “one-stop shop” for Georgians to compare plans, shop for coverage, and enroll in health insurance. It was created to replace the federal exchange with a system tailored specifically to our state’s needs.
The move to a state-based exchange brings several benefits:
Improved Access: The goal of the new platform is to reduce the number of uninsured residents by making the enrollment process smoother and more accessible.
More Competition: The new marketplace has encouraged more insurance carriers to offer plans in our state. This year, every county in Georgia has at least two carrier options, with many having significantly more.
Local Focus: Unlike the federal system, which had to serve the entire country, Georgia Access allows the state to tailor the shopping experience to the specific needs of our residents and local healthcare networks.
Leveraging the New Marketplace to Lower Your Costs
We know that for most families and individuals, the bottom line is the monthly premium. A major advantage of the Georgia Access marketplace is that financial assistance is still available. Many people are eligible for some subsidies (premium tax credits) that can significantly lower—or even eliminate—monthly premiums. However, calculating these credits and finding the plan that offers the best value for your specific budget can be tricky.
At H&H Insurance Solutions, finding you affordable coverage is our top priority. We review the entire market to:
- Identify plans that include your preferred doctors and prescriptions to avoid surprise bills.
- Check your eligibility for enhanced subsidies.
- Compare deductibles and out-of-pocket maximums to ensure a “cheap” plan doesn’t cost you more in the long run.
Why Work with H&H Insurance Solutions?
H&H Insurance Solutions is here to help answer all questions, explain all the details, and find the right policy that fits your unique needs. Give us a call, or use our contact us page to reach out.
Our team has completed the specific training required to become certified Georgia Access Agents, giving us the expertise to navigate the new regulations and leverage the system to your advantage. Let us be your advocate—especially since our services are 100% free. It is a common misconception that using a broker costs extra money, but your premium is exactly the same whether you tackle the application yourself or let us handle the paperwork for you. We are here to answer your questions, clarify confusing terms, and ensure you feel confident in your choice for 2026.
The new Georgia Access marketplace is open, and the deadline for January 1st coverage is approaching fast. Let the local experts at H&H Insurance Solutions find you a plan that fits your life and your budget.
