{"schema":"insurf.ga-health-cost-baseline/1","specVersion":"1.0.1","planYear":2026,"state":"GA","asOf":"2026-09-02","completeness":"record","inputs":[{"label":"Georgia Access PY2026 Rate PUF","filename":"RATE-PUF_20250926212630_2026.csv","url":"https://georgiaaccess.gov/wp-content/uploads/sites/3/sites/4/2025/09/RATE-PUF_20250926212630_2026.csv","sha256":"b40eff4c2871f0e97ae95ed019425e128f0474967a38af4b1d5031eafc2a6b20","bytes":17665307},{"label":"Georgia Access PY2026 Plan Attributes PUF","filename":"PLAN-PUF_20251216063410_2026.csv","url":"https://georgiaaccess.gov/wp-content/uploads/sites/3/sites/4/2025/12/PLAN-PUF_20251216063410_2026.csv","sha256":"a3c540b9e4440055fb68a9922018965ee3c78586bdb5709753f604c5e9ecb3d6","bytes":958712},{"label":"Georgia Access PY2026 Service Area PUF","filename":"SA-PUF_20251205153240_2026.csv","url":"https://georgiaaccess.gov/wp-content/uploads/sites/3/sites/4/2025/12/SA-PUF_20251205153240_2026.csv","sha256":"ab268965108a70027d244f3f4ccd1ab16f2cd95ca3956268eae0997d3d836b3a","bytes":144978},{"label":"CMS PY2026 Georgia SBE QHP PUF bundle","filename":"georgiasbepuf2026.zip","url":"https://www.cms.gov/files/zip/georgiasbepuf2026.zip","sha256":"4e33017f3c9a05d38a6f765df26982f258eaa999bd39dc6b8221e191f9011933","bytes":1352514},{"label":"CMS PY2026 Georgia SBE QHP PUF bundle — plan-attributes member of georgiasbepuf2026.zip","filename":"GAPlans05052026.csv","url":"https://www.cms.gov/files/zip/georgiasbepuf2026.zip","sha256":"169a5df0477714700984ad3d0bb5f3925d5745b9d16eae792aa691a973c3650e","bytes":1031367},{"label":"CMS PY2026 Georgia SBE QHP PUF bundle — service-area member of georgiasbepuf2026.zip","filename":"GAServiceAreas05052026.csv","url":"https://www.cms.gov/files/zip/georgiasbepuf2026.zip","sha256":"517ce7ed84d138bb49ee29b956961e20a642037e7b4b5ab8312d2d9a4e1092f3","bytes":273739},{"label":"Geography snapshot (county ↔ rating area)","filename":"2026-geography.json","url":"repo:data/surely/geography/2026-geography.json","sha256":"8095af1ebe443fe3aa076602e0fbcb3b1360d8bb2de097f36b80b087e0e1cb86","bytes":3049675},{"label":"Georgia county index (rate-status block proposed2027)","filename":"ga-county-index-2026.json","url":"repo:data/evidence/ga-county-index-2026.json","sha256":"9245faefab5ea39a9914442cf3b1e19979c5cf4a45e6379bfe3c01e91b3f7728","bytes":35268}],"rateStatusSource":"data/evidence/ga-county-index-2026.json#proposed2027","rateStatus":{"ratesPlanYear":2027,"status":"proposed","statewideAverageIncrease":0.207,"approvedDate":null,"asOf":"2026-08-30","note":"State filings propose a 20.7% weighted-average 2027 increase (proposed, not final)."},"method":"Georgia Health Cost Baseline v1.0.1. Reference buyer: age 40, non-tobacco, self-only, buying on Georgia Access without a premium tax credit (unsubsidized, gross premium; no APTC, CSR or ICHRA), on-Marketplace individual medical plan effective January 1, 2026, standard \"-01\" variant. Universe per county: plans listed in the same-year Georgia Access Plan Attributes PUF (or, where Georgia Access lists nothing for a plan that is priced, the CMS State-Based-Exchange QHP PUF for Georgia — Georgia Access wins on overlap, mirroring the engine's GeorgiaCmsFallbackSelector) AND priced in the Georgia Access Rate PUF. Excluded: dental-only, Catastrophic, off-exchange-only, child-only, and plans lacking an integrated in-network individual maximum out-of-pocket (MOOP). Plans priced but listed nowhere are excluded and reported per county as pricedUnlisted (issuer ids only). Conflicting age-40 rates for a plan in a rating area exclude the plan in that rating area. Placement (Service Area PUF): a plan is offered throughout the entire county only via a CoverEntireState row or a full-county service area row; partial-county rows do not count for the headline figures and feed only floorAnywhereMonthly (the lowest premium among plans offered in any part of the county). No representative-ZIP rule. FLOOR (healthy-year cost) = 12 × lowest filed monthly age-40 premium among the county's universe plans (also published per month). CEILING (bad-year cost) = the lowest in-network worst case: minimum over the county's universe plans of (12 × premium + the plan's in-network individual MOOP); out-of-network care, non-covered services and balance billing are outside it. Grain: all 159 counties; statewide summary = nearest-rank median across counties (unweighted) plus min and max with county names. No care profiles, no other ages, no SBC scenarios. Not a plan recommendation: floorPlanId and ceilingPlanId name the plans that set the figures and say nothing about networks, formularies or fit. Renewal Shock = per-county Δ$ and Δ% of FLOOR (and CEILING when computable) versus the prior plan-year artifact; a statewide average is never applied to a county. Labels on every figure: completeness ∈ {PRELIMINARY (Rate PUF + prior-year classifiers only; Floor only; no plan count), PROVISIONAL (same-year Plan + Service Area PUFs; Ceiling computable), RECORD (CMS SBE bundle posted)}; rate status (proposed/approved) is read only from lib/evidence/rate-status-core.ts semantics via the county index's proposed2027 block — never typed. The January 16 freeze is the OEP-close PROVISIONAL snapshot.","notes":["RECORD: built from the same-year Georgia Access Rate, Plan Attributes and Service Area PUFs plus the CMS PY2026 Georgia State-Based-Exchange QHP PUF bundle as the fallback classifier for plans Georgia Access prices but does not list (mirroring the engine's GeorgiaCmsFallbackSelector: Georgia Access wins on overlap).","Rate status: the rates in these files are the plan-year 2026 filings on file with Georgia Access. rateStatus describes Georgia's 2027 filings, read from data/evidence/ga-county-index-2026.json#proposed2027 (status proposed, as of 2026-08-30); it is context, not a property of the 2026 figures.","16 plan(s) priced in the Georgia Access Rate PUF but absent from the Georgia Access Plan Attributes PUF were classified and placed from the CMS SBE bundle (issuer id(s) 89942; rating area(s) Rating Area 3); 0 of them needed the CMS service-area member (the rest resolve to a Georgia Access service-area identity).","10 county/counties (Cherokee, Clayton, Cobb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Rockdale, Walton) have plans offered only in part of the county; those plans never enter FLOOR or CEILING and appear only in floorAnywhereMonthly. The engine-built county index prices such plans through a representative ZIP, so its lowestPremium40 can be lower there.","2 plan(s) pass every plan-level rule but enter no county's universe — offered only through partial-county rows, or priced only in rating areas where they have no full-county row (70893GA0110001, 70893GA0110002). They count nowhere in FLOOR or CEILING.","Replay against data/evidence/ga-county-index-2026.json: floorMonthly (rounded to the dollar) equals lowestPremium40 in 157/159 counties. Mismatches: Cobb (13067) baseline $519.74 vs index $508 — index figure carried by plan(s) excluded here for partial-county-only; Fulton (13121) baseline $519.74 vs index $508 — index figure carried by plan(s) excluded here for partial-county-only. The Baseline rule is not changed to force a match; the divergences are the spec's full-county placement and its universe definition."],"planUniverse":{"ratePufPlansAge40":240,"planUniverseTotal":203,"byClassifier":{"cms-sbe":16,"georgia-access":189},"byPlacement":{"georgia-access-sa":205},"excluded":{"dental-only":29,"catastrophic":6},"rateConflicts":[],"rateRows":{"stateRows":106131,"age40Rows":2081,"notEffectiveOnJan1":0,"variantSuffixStripped":0},"placedButNotInAnyUniverse":["70893GA0110001","70893GA0110002"],"partialCountyCounties":[{"fips":"13057","name":"Cherokee","partialOnlyPlans":3,"floorAnywhereMonthly":508.31},{"fips":"13063","name":"Clayton","partialOnlyPlans":3,"floorAnywhereMonthly":508.31},{"fips":"13067","name":"Cobb","partialOnlyPlans":8,"floorAnywhereMonthly":508.31},{"fips":"13097","name":"Douglas","partialOnlyPlans":3,"floorAnywhereMonthly":508.31},{"fips":"13113","name":"Fayette","partialOnlyPlans":3,"floorAnywhereMonthly":508.31},{"fips":"13117","name":"Forsyth","partialOnlyPlans":3,"floorAnywhereMonthly":508.31},{"fips":"13121","name":"Fulton","partialOnlyPlans":21,"floorAnywhereMonthly":508.31},{"fips":"13135","name":"Gwinnett","partialOnlyPlans":22,"floorAnywhereMonthly":508.31},{"fips":"13247","name":"Rockdale","partialOnlyPlans":3,"floorAnywhereMonthly":508.31},{"fips":"13297","name":"Walton","partialOnlyPlans":3,"floorAnywhereMonthly":508.31}]},"statewide":{"floorMonthly":{"median":450.58,"min":370.65,"minCounty":"Gordon","max":573.63,"maxCounty":"Carroll"},"floorAnnual":{"median":5406.96,"min":4447.8,"minCounty":"Gordon","max":6883.56,"maxCounty":"Carroll"},"ceilingAnnual":{"median":13029.44,"min":10417.56,"minCounty":"Atkinson","max":14846.84,"maxCounty":"Barrow"},"countiesPriced":159,"planUniverseTotal":203},"renewalShock":null,"counties":[{"fips":"13001","name":"Appling","slug":"appling","ratingArea":"Rating 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