Georgia ACA Marketplace Plans


The Health Insurance Marketplace, created by the Affordable Care Act (ACA), allows Georgians to shop for and enroll in comprehensive health coverage from private insurance companies. Marketplace plans must meet certain standards for benefits, cost-sharing limits, and consumer protections set by the ACA.

Georgia-Specific Information

In Georgia, the federally-facilitated Health Insurance Marketplace ( is used for enrolling in ACA-compliant health plans. The marketplace is regulated by the Centers for Medicare & Medicaid Services (CMS) and the Georgia Office of Insurance and Fire Safety Commissioner oversees plan certification.

Types of Georgia Marketplace Plans

Through, Georgians can choose from different “metal tiers” of health plans based on how costs are split between the plan and member:

  • Bronze Plans: Cover about 60% of costs. Higher deductibles/out-of-pocket costs.
  • Silver Plans: Cover around 70% of costs. Moderate monthly premiums.
  • Gold Plans: Cover approximately 80% of costs. Higher monthly premiums.

Estimated Costs of Georgia Marketplace Plans

Premiums for ACA Marketplace plans in Georgia vary based on plan category, age, location, household size, and income level.

  • Recent average premiums before subsidies are:
  • $489/month for a Silver plan for a 27-year-old
  • $661/month for a Silver plan for a 40-year-old

However, premium tax credits (subsidies) are available to reduce costs for those with household incomes between 100-400% of the federal poverty level.

Choosing a Georgia Marketplace Plan

Consider these factors when selecting a plan:

  • Plan Network: Ensure preferred doctors/hospitals are in-network
  • Covered Benefits: Review deductibles, copays, coinsurance, and services covered
  • Premium Costs: Evaluate monthly premium fits your budget
  • Out-of-Pocket Costs: Estimate anticipated annual medical expenses
  • Subsidy Eligibility: See if you qualify for premium tax credits
  • Plan Quality Ratings: Review consumer satisfaction and quality scores

Stroman Insurance Advisors: Your ACA Marketplace Guides

Sifting through all the plan options on can be overwhelming. The licensed agents at Stroman Insurance Advisors can help you understand your Georgia Marketplace choices. We’ll evaluate your expected health needs, income eligibility for subsidies, and compare plans to find the ideal coverage that fits your situation.

Reach out today and let us simplify enrolling in an individual or family health plan in Georgia!

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