For the 114 workers at S&S Activewear, LLC, Duluth
Georgia WARN notice GA202500056, filed January 28, 2026 with the Technical College System of Georgia, reports a permanent closure affecting 114 employees, with a first date of separation of December 4, 2025. Those are the notice's facts, and they are all this page asserts about the event. What follows is the coverage arithmetic that facts like these make urgent: what COBRA is allowed to charge, and what the filed 2026 plans in Gwinnett County cost for a full year.
- Employer (as filed)
- S&S Activewear, LLC
- Georgia WARN ID
- GA202500056, filed January 28, 2026
- Type of event (as filed)
- Permanent Closure
- Affected employees (as filed)
- 114
- First date of separation (as filed)
- December 4, 2025
- Worksite
- Duluth, Georgia 30096 · Gwinnett County · Rating Area 3
- Union-represented employees affected (as filed)
- No
- Trade-affected (as filed)
- No
Every line above is copied from the notice as filed. TCSG's public display also shows contact names, phone numbers, email addresses and impacted-position lists; none of that is stored or published here. Source: TCSG notice GA202500056.
COBRA is typically 102% of your group premium.
Your election notice states your actual amount. Nothing on this page can compute it: a group plan's full premium is not public data, and the share your employer used to pay is the part that just left. What COBRA is allowed to charge is the full group premium plus an administrative fee of up to 2% — typically 102% of your group premium.
Illustration only — not this employer's plan
$793/mo
102% of the average 2025 single-coverage employer premium ($9,325/yr), spread over 12 months.
$2,294/mo
102% of the average 2025 family-coverage employer premium ($26,993/yr), spread over 12 months.
National averages from the KFF 2025 Employer Health Benefits Survey, used to show the scale of the 102% rule. Your plan, your county and your household are not these averages — your election notice states your actual amount.
The filed 2026 plans in Gwinnett County, for twelve months.
Gwinnett County is in Georgia's Rating Area 3 — the geography the state's filed rates are set by. The table below is the cheapest modeled 12-month total among that county's filed 2026 plans: premium net of a modeled premium tax credit, plus modeled cost sharing. It is not a quote, and it is deliberately not the same kind of number as the COBRA figure above: COBRA there is premium only, with your group plan's deductibles and copays on top.
If your projected income is under 100% of the federal poverty line, read this first.
Georgia has not expanded Medicaid, so an adult under 100% of the federal poverty line generally qualifies for neither full Medicaid nor a marketplace premium tax credit — the coverage gap. Georgia's Pathways to Coverage program has its own eligibility rules, including a monthly qualifying-activity requirement, and Georgia Access and HealthCare.gov screen for it. One thing that matters right now: the marketplace asks for your PROJECTED household income for the coverage year, and severance and unemployment compensation generally count toward it, so a projected year that includes them can land above 100% where credits begin. Report your best projection and update it when it changes.
| Projected 12-month income | One adult, 30 | One adult, 40 | One adult, 55 | Two adults (40, 38) + two childrenpremium for four; cost sharing modeled for one adult only |
|---|---|---|---|---|
| $30,000 | $699/yr$43/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 188% FPL | $537/yr$30/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 188% FPL | $180/yr$0/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 188% FPL | $19,529/yr$1,612/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 91% FPL · coverage gap |
| $45,000 | $3,128/yr$246/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 282% FPL | $2,966/yr$232/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 282% FPL | $1,886/yr$142/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 282% FPL | $180/yr$0/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 136% FPL |
| $65,000 | $5,597/yr$451/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 407% FPL · no credit modeled | $6,280/yr$508/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 407% FPL · no credit modeled | $10,824/yr$887/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 407% FPL · no credit modeled | $180/yr$0/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 197% FPL |
| $90,000 | $5,597/yr$451/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 564% FPL · no credit modeled | $6,280/yr$508/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 564% FPL · no credit modeled | $10,824/yr$887/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 564% FPL · no credit modeled | $3,800/yr$302/mo net premium × 12 + $180 modeled cost sharing (one adult) · Expanded Bronze · 273% FPL |
Read the multi-person column carefully: the premium covers everyone listed, but the modeled cost sharing in every cell is ONE adult's year, because that is the only care model this site will stand behind. A household's real year is higher than that column's total by whatever care the other people in it use. The single-adult columns carry no such gap.
Each cell is the lowest modeled 12-month total among 121 filed 2026 plans in Gwinnett County (Rating Area 3): real filed non-tobacco premiums, net of a MODELED illustration of the 2026 premium tax credit (2026 IRS applicable-percentage table against the county's second-lowest-cost Silver premium for that household; the enhanced credits expired December 31, 2025, so no credit is modeled above 400% of the poverty line), plus modeled cost sharing for one adult under the "Routine year" care profile (routine) through each plan's real filed deductible and out-of-pocket maximum with a uniform 25% post-deductible rule. Copays are never guessed; plans with missing or unverified accumulator data are excluded rather than treated as $0; Catastrophic plans are excluded because eligibility is limited and the credit cannot be applied to them. A modeled illustration, not a quote, not an eligibility determination, and not tax advice — the marketplace determines any real credit at enrollment. Snapshot snapshot_8827361338bd…, sources as of 2026-06-03.
For the same county, the committed Georgia county index measures what picking by sticker price costs: a median of $779 a year (90th percentile $2,584) across nine illustrative care profiles at ages 28/40/55. The cheapest premium and the cheapest year are usually different plans.
The interactive comparison takes the premium on your election notice, your ZIP, ages and projected income. Nothing you enter there is stored.
Three rules decide this. Most people learn them too late.
The one-way door
Electing COBRA is generally a one-way door: it generally forecloses switching to a marketplace plan, and starting a premium tax credit, until the next open enrollment, until your COBRA is exhausted, or until another qualifying event. Dropping it early or missing a payment does not open a special enrollment period. Decide once, with the math in front of you.
The two 60-day clocks
Your 60-day COBRA election window runs from the later of your election notice or your coverage ending; the deadline on your notice controls. Losing job-based coverage also opens its own 60-day special enrollment period on the marketplace. Do nothing, and both doors close until open enrollment.
The credit COBRA blocks
Being offered COBRA doesn't block the premium tax credit; enrolling in COBRA does. Turn the offer down and buy through the marketplace instead, and any credit you qualify for applies from day one. General federal rules: HealthCare.gov publishes the official version; this is not tax advice.
Timing note: this page prices filed 2026 plans, which is what a 2026 coverage start is priced from. 2027 Open Enrollment on Georgia Access runs November 1, 2026 through January 15, 2027. Georgia's 2027 rates are PROPOSED until the state decides them, so no 2027 figure on this site is final.
The questions this notice raises.
How much will COBRA cost after the closure at S&S Activewear, LLC?
COBRA is typically 102% of your group premium — the share your employer used to pay, plus your share, plus an administrative fee of up to 2% — and your election notice states your actual amount. Nobody outside the plan can compute it for you, because a group plan's premium is not public. For scale only, the average 2025 employer plan cost $9,325 a year for single coverage and $26,993 for family coverage (KFF 2025 Employer Health Benefits Survey); 102% of those averages is about $793 and $2,294 a month. That is an illustration of the arithmetic, not a statement about this employer's plan.
I was offered COBRA. Can I take a marketplace plan instead?
Yes. Being offered COBRA does not block the premium tax credit; enrolling in COBRA does. Losing job-based coverage opens its own 60-day special enrollment period, so you can buy a marketplace plan with any credit you qualify for instead of electing COBRA. These are general federal rules, not tax advice; HealthCare.gov publishes the official version.
How long do I have to decide?
At least 60 days. The COBRA election window runs from the later of the date your election notice is furnished or the date your coverage ends, and the deadline printed on your own notice controls. Separately, the marketplace special enrollment period runs 60 days from losing job-based coverage, and you can also enroll up to 60 days before the loss. Electing COBRA is generally a one-way door until open enrollment, COBRA exhaustion, or another qualifying event.
Does severance or unemployment count as income?
For the premium tax credit the marketplace asks for your projected household income for the coverage year, and severance and unemployment compensation generally count toward it. That cuts both ways: it can lower the credit you qualify for, and — because Georgia has not expanded Medicaid — it can also lift a projected year above 100% of the federal poverty line, which is where marketplace credits begin. Report your best projection and update it when it changes; the marketplace determines any real credit at enrollment.
What do the 2026 plans in Gwinnett County actually cost for a full year?
The table on this page shows the cheapest modeled 12 months — premium net of a modeled premium tax credit plus modeled cost sharing — among the filed 2026 plans in Gwinnett County (Rating Area 3), at four projected-income bands. Premiums are real filed rates; the credit is a modeled illustration under general 2026 federal rules; cost sharing is modeled for one adult through each plan's real filed deductible and out-of-pocket maximum with a uniform 25% post-deductible rule. Plans with missing or unverified accumulator data are excluded rather than treated as $0.
Is this financial, tax, legal, or insurance advice?
No. This page restates a public WARN notice and shows modeled illustrations computed from filed public rate data under labeled assumptions. It is informational only: not an eligibility determination, not an offer of coverage, not a recommendation to elect or decline COBRA or to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice.
Sources
- Notice facts: Technical College System of Georgia — public WARN display — notice GA202500056 · public display read September 2, 2026.
- Plan figures: filed 2026 rate and benefit data for Gwinnett County (Rating Area 3), snapshot snapshot_8827361338bd937eb563114e728d3463c9d1a13152a72fdbad03cd10b4b34a66, sources as of 2026-06-03.
- COBRA premium ceiling and election window: general federal rules — HealthCare.gov and the U.S. Department of Labor.
- Group-premium averages used only as an illustration: KFF 2025 Employer Health Benefits Survey.
- Method: how we price plans · what premium-shopping costs
Insurf, Inc. is not a licensed insurance agency and does not sell insurance; enrollment support is provided by an individually licensed insurance producer, who may be compensated by carrier commissions when an enrollment occurs — that compensation is disclosed on estimates. The comparison's math never varies with that compensation, and nothing on this page is a recommendation to elect or decline COBRA or to buy or drop any plan. Insurf is not affiliated with or endorsed by S&S Activewear, LLC, the Technical College System of Georgia, Georgia Access, or the State of Georgia. Figures on this page are modeled illustrations from filed public data under the labeled assumptions above: general statements of federal rules, informational only, not an eligibility determination, not an offer of coverage, not a recommendation to elect or decline COBRA or to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice.
Enrollment support: Chang Lu, Georgia-licensed insurance producer.