Georgia Approves Double-Digit Insurance Hikes for 2027
Nine insurers will raise individual health premiums between roughly 11% and 40% in the coming year, following similar increases for 2026.
Updated on Nov. 3, 2026 in Insurance
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Georgia insurance officials approved 2027 premium increases of roughly 11% to 40% for individual health plans sold through the state marketplace. Enrollment in those plans has fallen to roughly 900,000 as of September, down from more than 1.5 million in January 2025.
Why it matters
The second consecutive year of double-digit increases raises costs for Georgians buying individual coverage and may further shrink the marketplace. Shoppers face fewer options, with some providers offering only one plan for the coming year.
Approved 2027 increases range from roughly 11% to 40%, with the highest at 39.99% for UnitedHealthcare plans, and eight providers are approved to sell plans next year. Enrollment fell from more than 1.5 million in January 2025 to roughly 900,000 as of September, and it is unclear how many enrollees will stay on the marketplace.
The players
Georgia Access
Georgia Access is the state-based health insurance marketplace that manages Affordable Care Act plans for Georgia residents.
UnitedHealthcare
UnitedHealthcare is a large U.S. health insurer and subsidiary of UnitedHealth Group that sells individual marketplace plans in Georgia.
The details
Georgia insurance officials approved the rate changes in September, covering nine insurance providers. Some providers will offer only one plan for the coming year, and Georgia Access manages Affordable Care Act plans through its portal.
Timeline
January 2025: More than 1.5 million Georgians were enrolled in state individual plans.
2026: Premiums increased as much as 40% across 10 providers.
September 2026: 2027 rate increases were approved, and enrollment stood at roughly 900,000.
January 15, 2027: Deadline to apply for Affordable Care Act plans through Georgia Access.
Market Landscape
Georgia's marketplace premium increases follow a pattern of double-digit rate hikes under the Affordable Care Act individual marketplace established in 2014. Rising premiums for consecutive years mirror the enrollment declines that have accompanied higher costs in state-based exchanges.
Georgians shopping for individual coverage should compare the approved 2027 rates from each of the eight providers before enrolling, since premium increases range widely. Anyone who needs coverage should note the January 15, 2027 deadline to apply through Georgia Access.
The takeaway
Comparing plans across providers each enrollment season can help shoppers limit the impact of steep premium increases. Checking the final rate for each plan before the deadline gives the clearest picture of what coverage will cost.
What happens next
Georgians have until January 15, 2027 to apply for Affordable Care Act plans through Georgia Access.
Further reading
For more on how these changes affect coverage choices, see Insurance coverage in the finance section.
More information
Individual plan premium changes are published on healthcare.gov.
Source note: This article includes information reported by WSB-TV Channel 2 - Atlanta.
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