Georgia Access Open Enrollment: What Individuals & Families in Georgia Need to Know for 2025–2026
If you’re an individual or family living in Georgia, this time of year is especially important for your health insurance. Whether you’re renewing a plan, shopping for more affordable coverage, or getting insured for the first time, Georgia Access open enrollment is your opportunity to find the right plan for your needs and budget.
Georgia Access is the state’s official health insurance marketplace — and it’s now the main way Georgians shop for Affordable Care Act (ACA) health insurance, including Marketplace plans, subsidized coverage, and low-cost options based on income. With more carriers and better oversight at the state level, Georgia residents have more choices than ever before.
Here’s everything you need to know about open enrollment, what’s changed, and how Larry Baumwald Insurance can help you confidently choose the best coverage for 2026.
What Is Georgia Access — and Why It Matters
Georgia Access is Georgia’s state-based exchange, which now replaces most of the old HealthCare.gov process. This means:
More health insurance carriers
More plan options
More ways to enroll
Better oversight of premiums and benefits
This shift has opened the door to more affordable and more flexible health insurance options for individuals and families across the state.
Key Open Enrollment Dates for 2025–2026
Open Enrollment Opens: November 1, 2025
Deadline for January 1, 2026 Coverage: December 15, 2025
Final Deadline for 2026 Coverage: January 15, 2026
If you miss these dates and don’t qualify for a Special Enrollment Period, you may have to wait until next open enrollment to sign up for a Marketplace plan.
Who Can Enroll Through Georgia Access?
You’re eligible if you:
Are a Georgia resident
Are a U.S. citizen, national, or lawfully present immigrant
Are not incarcerated
Enroll during open enrollment or qualify for a Special Enrollment Period
If you're unsure whether a qualifying life event applies to your situation, Larry Baumwald Insurance can help you review your options.
What’s New for Georgia Access This Year
1. Possible Changes to Subsidies
Your premium tax credit (APTC) amount may shift, so even if your income hasn’t changed, your subsidy and monthly premium might.
2. Lower Premiums in Many Counties
Georgia’s reinsurance program continues to help stabilize and lower premiums in many areas, making ACA plans more affordable.
3. More Enrollment Paths
You can enroll through the Georgia Access website, through licensed insurance agents, or through approved Enhanced Direct Enrollment partners.
4. Auto-Renewal Isn’t Always Accurate
If you don’t actively choose a plan, you may be auto-renewed — but doctor networks, premiums, and benefits change every year. A quick review prevents surprises.
Common Issues Individuals & Families Should Watch For
Rising premiums due to changing subsidies
Doctors or hospitals moving in or out of networks
Deductible or copay changes
Renewal or enrollment errors
Missing the final deadline
Even small changes can significantly impact your coverage and out-of-pocket costs.
How Larry Baumwald Insurance Helps During Open Enrollment
We provide free, local assistance to individuals and families navigating Georgia Access. Our team can help with:
Side-by-side plan comparisons
Subsidy estimates and eligibility
Reviewing your current coverage
Helping families choose the right plan
Troubleshooting Georgia Access enrollment issues
As an independent agency, we work with all major Georgia carriers to help you choose the right plan — and our help never costs you anything.
What You Should Do Next
Mark your calendar for November 1
Gather your most recent income information
Review your current plan and provider network
Schedule a free consultation with Larry Baumwald Insurance
Enroll early to avoid system delays
Start Your Georgia Access Enrollment with Larry Baumwald Insurance
Whether you're looking for lower premiums, better coverage, or a simpler enrollment process, Larry Baumwald Insurance is here to guide you through every step of Georgia Access open enrollment.
Visit us online:
Contact Dustin Rector:
706-353-8444
Email: dustin@baumwald.com
Athens, GA — Serving individuals and families across Georgia