Open Enrollment 2027 in Georgia

The short answer

Georgia open enrollment for 2027 health plans runs from November 1, 2026 to January 15, 2027, on Georgia Access. Pick a plan by December 15, 2026 if you want it to start January 1. Plans picked after that start February 1, 2027.

These are the dates Georgia Access posts for plan year 2027 (source).

What open enrollment is

Open enrollment is the once-a-year window to buy or change an ACA health insurance plan (often called Obamacare) on Georgia Access. It's also when you can apply for a tax credit that lowers the monthly cost. Outside the window, you can only sign up if a life event, like losing other coverage, moving or having a baby, opens a special enrollment period.

What's different in Georgia this year

Georgia runs its own Marketplace, Georgia Access (georgiaaccess.gov), so Georgians don't use the federal site. For 2027, Georgia Access kept the usual window: November 1 to January 15 (source). Georgia Access may renew you automatically, but if your insurer isn't offering plans in your area for 2027, you'll need to pick a new plan.

Cigna and UnitedHealthcare are leaving Georgia's Marketplace at the end of 2026 (source). If your plan is one of theirs, you'll need to choose a new one.

Five things to do before December 15

1. Read your renewal notice. If you do nothing you may be renewed into the same or a similar plan, at a new price.
2. Update your income. Your tax credit is based on your income estimate. If it's too low, you may have to pay some or all of the extra credit back at tax time.
3. Check your doctors and prescriptions. Networks and drug lists change every year.
4. Compare the whole year, not just the monthly price. Add the deductible and out-of-pocket maximum to see your worst-case year.
5. Get free help if you need it. Georgia Access has certified helpers, and a licensed agent can explain plans. We don't sell insurance.

Options that don't wait for open enrollment

When a Marketplace plan is likely the better choice

• Your tax credit is large. At lower and middle incomes, a subsidized Marketplace plan can cost less than any alternative. Check at Georgia Access.
• You may qualify for Medicaid or PeachCare for Kids. Georgia hasn't fully expanded Medicaid, but children (through PeachCare for Kids), pregnant women, some very-low-income parents and disabled adults qualify, and Georgia Pathways covers some adults under the poverty line who meet a work requirement. Check before paying for anything.
• Someone has a serious ongoing condition. Health sharing shares nothing for pre-existing conditions in year one. Insurance must cover them.
• A baby is on the way, or planned. Maternity is shareable only when the due date is at least nine months after you join.
• You need regular therapy. Counseling is capped at $750 a year.
• You want a guarantee. Sharing is voluntary. If you need a contract that has to pay, buy insurance.

Where we fit

If your Marketplace price is high, for example because your income is above the range where tax credits help much, open enrollment is a good time to compare it with the alternatives. We'll show you what direct primary care plus health sharing would cost your household, side by side with the price you see on Georgia Access. See what it costs, or read what to do if you miss open enrollment.

Common questions

Written and reviewed by Graham Kerswell. Last updated November 3, 2026. Facts, dates and prices are checked against the sources named on this page.

Sources

• Georgia Access: plan year 2027 dates and automatic re-enrollment (georgiaaccess.gov, checked Nov 3, 2026)
• Georgia Marketplace guide: Georgia Access, 2026 and proposed 2027 rates, insurers, enrollment, Pathways (healthinsurance.org, updated Jul 17, 2026)
• Georgia Medicaid, Pathways to Coverage and the coverage gap (healthinsurance.org, updated Sep 17, 2026)