Georgia Marketplace Insurance Premiums to Rise for 2027
Monthly health insurance premiums in Georgia will increase by up to 30% beginning in 2027.
Updated on Oct. 20, 2026 in Insurance
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Starting with open enrollment on November 1, 2026, Georgians will face premium hikes of 10% to 30% for marketplace health insurance plans. Insurers cite rising prescription drug costs, inflation, and the pending expiration of Enhanced Premium Tax Credits as key drivers for the price increases.
Why it matters
The cost increases arrive alongside a 90% reduction in federal funding for insurance navigator programs since 2025. With fewer resources for outreach, state officials and insurers fear that rising costs could prompt healthier individuals to drop coverage, potentially destabilizing the marketplace.
Average monthly premiums for 2027 plans are approximately $930 before subsidies, with maximum rate increases reaching 30%. There are currently eight insurance companies offering coverage on the Georgia Access marketplace.
The players
UnitedHealthcare
This insurance company is a major national provider that has opted to exit the Georgia marketplace for the 2027 period.
Cigna
This global health service company is a prominent provider that has decided to leave the Georgia marketplace.
Antidote Health Plan
This insurer is a new entrant to the Georgia marketplace for the upcoming 2027 enrollment cycle.
Ambetter of Peach State
This provider offers various Bronze-tier health insurance plans to individuals within the Georgia marketplace.
Oscar Health Plan
This technology-focused insurance company provides health coverage options, including Bronze-tier plans, in Georgia.
The details
Insurers including UnitedHealthcare and Cigna have exited the Georgia marketplace, while Antidote Health Plan has entered. Ambetter of Peach State Bronze plans for individuals aged 20 to 45 will range from $490 to $730 monthly, while Oscar Health Plan Bronze options will cost between $520 and $780.
Timeline
2025: Federal funding for the navigator program was cut by 90%.
November 1, 2026: Open enrollment for the Affordable Care Act marketplace begins.
2027: New premium rates for marketplace health insurance plans go into effect.
Market Dynamics
The volatility in Georgia premiums occurs within the long-term structural environment governed by the Affordable Care Act. These shifts highlight ongoing adjustments in plan participation as insurers respond to inflation, changing subsidy structures, and evolving healthcare costs.
Individuals shopping for coverage on the Georgia marketplace should prepare for significant monthly cost increases beginning in November. Consumers may need to reassess their plan selections or subsidy eligibility to mitigate the impact of premiums reaching up to $930 before assistance.
The takeaway
Rising premiums underscore the importance of comparing individual plan benefits against new monthly costs during the upcoming open enrollment window. Consumers should verify if their current provider remains in the marketplace for 2027 and check their updated subsidy status.
Further reading
For more context on how state policies and costs are shifting, explore the Georgia Insurance section.
Source note: This article includes information reported by Georgia Public Broadcasting.
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