Jeffrey Wade
Open enrollment for insurance in Georgia for the 2025 plan year began on November 1, 2024, and ended on January 15, 2025. During this period, Georgians could shop for, compare, and enroll in high-quality, affordable health insurance plans that met their needs and the needs of their families. Georgia Access, the state's health insurance exchange, offers various pathways for enrollment, including through certified agents, Enhanced Direct Enrollment partners, web brokers, insurance companies, or the Georgia Access consumer portal. While the open enrollment period for 2025 is now closed, individuals who qualify may still be able to enroll or change their coverage during a Special Enrollment Period.
| Characteristics | Values |
|---|---|
| Open Enrollment Period | November 1 |
| Open Enrollment for 2025 | Began in November 2024 |
| Official Launch | Georgia Access, the State's health insurance exchange |
| Coverage Start Date | February 1, 2025 |
| Coverage End Date | January 15, 2025 |
| Enrollment Options | Georgia Access Consumer Portal, Certified Agent, Web Broker, Insurance Company |
| SHBP Member Services | Monday – Friday 8:30 a.m. to 7:30 p.m. ET and Saturday 8:00 a.m. to 5:00 p.m. ET |
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What You'll Learn
Open Enrollment for 2025 started on November 1, 2024
Georgia Access is the first state-based exchange to implement a model that offers consumers multiple ways to enroll. These include an extensive network of over 16,000 certified agents, Enhanced Direct Enrollment (EDE) partners such as web brokers and insurance companies, or through the Georgia Access consumer portal. The Georgia Access portal provides Georgians with the resources and information they need to make informed decisions about their health insurance choices.
The state-based marketplace (SBM) was established after the state legislature and Governor Kemp passed a new law in 2023, allowing Georgia to transition from using healthcare.gov to its own state-based exchange. This transition provides Georgians with more control over their healthcare choices and simplifies the enrollment process.
It is important to note that Open Enrollment for 2025 ended on January 15, 2025. However, individuals who missed this deadline may still be able to enroll or change their coverage if they qualify for a Special Enrollment Period (SEP). Georgians can explore their options through Georgia Access, which offers assistance in enrolling in affordable, quality health coverage.
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Georgia Access is the state's health insurance marketplace
Georgia Access is the health insurance marketplace for the state of Georgia. It is a program that allows Georgians to shop for and enroll in health insurance. Georgia Access was launched in 2025 by Insurance and Safety Fire Commissioner John F. King, marking the start of the state's first Open Enrollment period.
Georgia Access provides residents with resources and information to help them find high-quality, comprehensive, and affordable health insurance coverage. The program offers multiple pathways for enrollment, including through an extensive network of certified agents, Enhanced Direct Enrollment (EDE) partners, such as web brokers and insurance companies, or directly through the Georgia Access consumer portal.
The consumer portal is an online platform where Georgians can enroll in affordable health insurance plans. It provides information on different types of coverage options and financial assistance available. Those who wish to enroll online but need help navigating the different plans can seek support from certified agents. These agents are trained professionals licensed to sell health insurance plans and can provide personalized support online, over the phone, or in person.
Web brokers are another option for those who want to enroll online. Web brokers are private companies certified by Georgia Access and partnered with the state to provide opportunities to shop for and enroll in coverage. Many web brokers also have certified agents on hand to help individuals pick the best plan for their needs. For those who know the insurance company they want to get coverage with, they can enroll directly through the company's online portal or over the phone.
Georgia Access aims to simplify the health insurance enrollment process and increase access to affordable coverage for all Georgians. The program has resulted in significant enrollment increases, with more insurance companies offering plans across the state, leading to greater competition and reduced premiums.
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You can enrol online, over the phone, or in person
Open Enrollment for 2025 health insurance in Georgia began on November 1, 2024, and ended on January 15, 2025. During this period, Georgians could shop for, compare, and enrol in health insurance plans. If you missed the deadline, you can still enrol or change your coverage if you qualify for a Special Enrollment Period.
If you prefer to enrol over the phone, you can call the Georgia Access contact centre at 888-687-1503, or contact an insurance company directly. You can also call 1-800-GEORGIA to verify that a website is an official website of the State of Georgia. Additionally, SHBP Member Services has a phone line staffed with enrolment experts who can provide guidance and answers to your questions.
If you'd like to enrol in person, SHBP offers in-person benefit fairs to educate members on the Plan Options for the 2025 Plan Year. You can also meet with a certified agent in person to get personalized support and navigate different health insurance coverage options.
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You can apply for free or low-cost coverage
Georgia Access is the state-based health insurance marketplace in Georgia. Open Enrollment for 2025 began in November 2024, and Georgia residents could use Georgia Access to shop for, compare, and enroll in a health insurance plan. The optimal time for Georgians to explore affordable options for health coverage is during Open Enrollment. Georgia Access offers multiple pathways to enroll, including through an extensive network of certified agents, Enhanced Direct Enrollment (EDE) partners, such as web brokers and insurance companies, or through the Georgia Access consumer portal.
The Georgia Access portal provides Georgians with the resources and information they need to shop for and enroll in high-quality, comprehensive, and affordable health insurance. If you’d like to enroll online and have a good understanding of the different types of plans and financial assistance available, using the state’s consumer portal may be a good option. A certified agent is a trained professional who is licensed and certified to sell health insurance plans. If you’re looking for personalized support, certified agents can help you navigate different health insurance coverage options online, over the phone, or in person. Their assistance is free to you. Many also have certified agents that can help you pick the best plan for your needs.
Web brokers are private companies that are certified by Georgia Access and partner with the State of Georgia to provide opportunities to shop for and enroll in coverage. If you’d like to enroll online, a web broker may be a good option. Insurance companies sell health insurance plans that provide coverage for medical costs. If you know the company you want to get health insurance coverage with, you can shop for and enroll in plans on their online portal or directly over the phone.
Regardless of how you choose to apply for and enroll in health insurance coverage, your eligibility, financial assistance, and costs will remain the same. You can apply for free or low-cost coverage through Medicaid, which provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels. The Children's Health Insurance Program (CHIP) provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP also covers pregnant women.
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You can enrol outside of Open Enrollment if you qualify for a Special Enrollment Period
Open Enrollment for insurance in Georgia for 2025 has ended. It began in November 2024, with the official launch of Georgia Access, the state's health insurance exchange or marketplace. However, you can still enrol outside of Open Enrollment if you qualify for a Special Enrollment Period (SEP).
A Special Enrollment Period is a period of time outside of Open Enrollment when you can enrol in or change your Marketplace plan due to a life event or based on your income. For example, you may qualify for an SEP if you recently had a life change such as getting married, having a baby, moving, or losing health coverage. Other life changes that may qualify you for an SEP include losing eligibility for a student health plan, turning 26 and no longer being covered by a parent or guardian's insurance plan, or losing government health care coverage. Unexpected situations that may qualify you for an SEP include facing a serious medical condition, a natural disaster, or another national or state-level emergency. Additionally, if your insurance company or Georgia Access experienced a plan display error, you may be eligible for an SEP.
To apply for a Special Enrollment Period, you can use the Georgia Access consumer portal or enrol with a certified agent, web broker, or insurance company. You will need to report your Qualifying Life Event (QLE) and provide supporting documentation with your application. If you are denied an SEP but believe you qualify, you have the option to appeal the decision.
It's important to note that regardless of how you choose to apply for and enrol in health insurance coverage, your eligibility, financial assistance, and costs will remain the same. Georgia Access provides Georgians with the resources and information they need to shop for and enrol in high-quality, comprehensive, and affordable health insurance.
Frequently asked questions
Open enrollment for 2025 insurance in Georgia started on November 1, 2024, and ended on January 15, 2025.
You can enroll in an insurance plan in Georgia online, over the phone, or in person. To enroll online, you can use the Georgia Access consumer portal or a web broker. To enroll over the phone or in person, you can contact a certified agent or an insurance company.
Georgia Access is Georgia's state-based health insurance exchange or marketplace. It was launched in 2024 to provide Georgians with multiple ways to shop for, compare, and enroll in high-quality, affordable health insurance plans.
