ICHRA in Georgia.
The ICHRA itself is federal: a fixed, tax-free monthly allowance your employees use to buy their own individual plans. What's local is the market underneath it. Here is what that market looks like in Georgia.
The Georgia market underneath it.
Georgia runs its own exchange, Georgia Access, one of the newest state-based marketplaces, after moving off HealthCare.gov for the 2025 plan year. Employees shop and enroll there, and every filed plan in all 159 counties is public in government rate filings.
Where employees buy plans
Georgia Access (the state's own exchange), or directly from carriers off-exchange.
How premiums are set
Premiums vary by age (up to 3:1), rating area, and tobacco use across Georgia's 16 rating areas. Metro Atlanta prices differently from South Georgia, so budgets should come from your team's real ZIP codes.
What we price here
Every individual plan in our live 2026 artifact for Georgia: 159 counties across 16 rating areas, from government rate filings.
2027 Open Enrollment
Georgia Access's issuer instructions list the 2027 Open Enrollment window as November 1, 2026 – January 15, 2027 (marked subject to change); the consumer-facing announcement hadn't been issued as of late August 2026. State filings propose a 20.7% weighted-average 2027 increase for Georgia; per-carrier proposals run from +10% to +29% (Insurance Department figures as reported by the Georgia Recorder, late August 2026), and two carriers, Cigna and UnitedHealthcare, are exiting the state's individual market while Antidote Health enters (proposed figures; the Insurance Department decides finals this fall), which makes 2027 a year to re-shop rather than auto-renew.
Legislation watch
No ICHRA tax credit is on the books yet. HB 1110, the Georgia Small Business Healthcare Affordability Act (a credit of up to $600 per covered employee for sub-50 employers contributing at least $200 a month through an ICHRA), cleared committee in March 2026 but died without a floor vote when the biennium adjourned April 2, 2026. A credit would need reintroduction in the 2027–2028 session.
Georgia questions.
Where do Georgia employees buy plans under an ICHRA?
On Georgia Access, the state's own exchange (Georgia moved off HealthCare.gov for the 2025 plan year), or directly from carriers off-exchange. The ICHRA allowance works the same either way.
Does an ICHRA work for a company with offices in Atlanta and elsewhere?
Yes. That's a case where ICHRAs beat one group plan. Each employee's allowance can reflect their own market, and each person picks from the plans actually filed where they live.
See your Georgia team's number.
Segment guides: law firms · accounting · A/E · software & consulting · medical & dental
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. This page is an educational overview: not an offer of coverage, not a recommendation to buy any plan, and not financial, tax, legal, medical, coverage, or insurance advice.