I'm Julian Sanchez de la Rosa, an independent broker licensed in Georgia and 30 other states. Georgia has the hardest coverage math of any state I write in — an enormous marketplace, some of the steepest premium increases in the country, and a gap underneath it that catches people who assume the exchange will help them. This page is straight about all three.
Coverage here is tiered — an entry plan, a middle plan and a top plan, all on a national PPO network. The low end below is the entry plan with nothing added; the high end is the top plan with dental, vision and a critical-illness rider. The private product prices the same across Georgia, Virginia, Arkansas, Wisconsin and Kentucky, so those pages show identical tables — that's genuinely how it's priced, not a shortcut.
| Household | Low end | High end |
|---|---|---|
| Single adult, 30 | $130 | $710 |
| Single adult, 40 | $195 | $820 |
| Single adult, 50 | $275 | $1,045 |
| Single adult, 60 | $495 | $1,420 |
| Couple, 40 and 38 | $400 | $1,220 |
| Family of four, parents 40 | $630 | $1,680 |
Estimates, not quotes. Your actual premium depends on the plan you choose and the carrier's underwriting. Want a figure for your own household? Run the estimator.
Subsidized ACA plans are on Georgia Access, not healthcare.gov. Georgia moved off the federal platform for the 2025 plan year, which is recent enough that plenty of older advice still sends people to the wrong site. It's a big marketplace — 1,324,295 Georgians enrolled for 2026, among the largest in the country.
Full-price premiums rose about 34.6% for 2026, and another 20.7% on average for 2027. On top of that, Cigna leaves the Georgia market at the end of 2026 and a new carrier joins for 2027. If you're on a Cigna plan you will have to actively choose something else — this is not a year where auto-renewal quietly works out.
Instead the state runs Georgia Pathways to Coverage, which reaches adults up to the poverty line but requires documented work or another qualifying activity. Enrollment has stayed small — fewer than 18,000 people as of May 2026, in a state of eleven million.
If you earn too much for Pathways, or can't document the work requirement, but not enough to qualify for marketplace subsidies, the exchange may not do much for you. It's the first thing I check in Georgia, because it changes the entire conversation — and because the honest answer for some people is that the private market is the only thing left, which is worth knowing before you spend a week on healthcare.gov.
Open enrollment for 2027 coverage opens November 1, 2026. The closing date is unsettled this year — a federal court struck down the rule that would have shortened the window, and the appeal is being argued in late October 2026. The date that hasn't moved is December 15: enroll by then if you want coverage that starts January 1. For the confirmed final deadline, check Georgia Access directly rather than trusting a date you read anywhere — including here.
Either way, the question I help people answer is the same one: does a subsidized marketplace plan beat what you can buy privately? That depends on your income, your household, and which doctors you want to keep. It takes one conversation to work out, and I'll tell you if the answer is "go to the exchange, you don't need me."
Self-employed people, 1099 contractors, families, and small business owners — anyone without an HR department handing them a benefits packet.
30 seconds. I reach out. You decide — no pressure, no obligation.
Prefer to skip the form? Book a time on my calendar
Most of my clients don't have an HR department. They're buying coverage on their own — and the market is confusing if this isn't your full-time job. So I lay the plans out side by side in plain English: what each one actually covers, what it costs you when you use it, and where the real differences are. No jargon, no fine print buried at the bottom — just a clear comparison so you can see the trade-offs yourself and make the call with confidence.
1099, freelance, or your own LLC. You need real coverage without an employer footing the bill — and premiums may be tax-deductible.
Spouse, kids, or both. We'll look at what it actually costs to keep your pediatrician and your budget intact.
Laid off, quitting, aging off a parent's plan, or staring down a COBRA bill. Losing coverage opens a special enrollment window.
A handful of employees and no idea where to start. There are more options than you think, and some don't require a group plan.
I'm an independent broker. I shop the market, bring you what's actually available, and show you the trade-offs honestly — including when the answer is "stay where you are."
As an independent broker, I compare plans from different insurance companies side by side and walk you through how they actually differ.
Open Enrollment has a deadline, but life events — losing coverage, moving, marriage, a new baby — open a special enrollment window. Some private options are available year-round.
Self-employed people can often deduct health insurance premiums. I'll flag when it applies so you can raise it with your accountant.
The enrollment is the easy part. I'm still here when a claim gets denied, a card doesn't arrive, or your income changes mid-year.
Prefer to skip the form? Book a time on my calendar