Forward us your renewal letter.
Not the document: the numbers. Type what you pay now and what the letter says you'll pay, and see it against every plan filed in your county. Employers get the free audit, prefilled. Individuals get the lowest 12-month true cost at their ages and a card that says so. Georgia letters, together, become the one thing the state doesn't publish: what people actually received.
Only the size band is recorded; the exact count stays in your browser.
Kept out of the record: not stored and not published in this version.
Stored as numbers only: the two premiums, ZIP, size band, and month; never your letter, company name, address, or carrier. Email only if you add it. Next: the free audit, prefilled from these numbers.
Numbers in, numbers out.
No upload, no scan, no carrier, no name. The record is the arithmetic and nothing else.
What we record
The lane (small group or individual), the two monthly premiums you type and the percentage between them, your five-digit ZIP and the county it maps to, your ages (individual) or the group-size band (small group), whether you get a premium tax credit, the renewal effective month, the illustrative care profile, the computed figures, and how you arrived at the page.
What we never receive
The letter itself (there is no upload), your name, your address, your member id, and your carrier: the optional carrier menu is discarded in your browser before anything is saved. Email only if you add it, and a reporter may reach you only if you tick that box.
What we publish
Aggregates only, and only once 25 or more Georgia letters are in: the distribution of what people actually received, with any county under 10 letters folded into its rating area. Never a display of individual cards, never a per-carrier table, never your row.
The state publishes an average. What Georgians received is the distribution, published once enough letters are in. The privacy notice lists every stored field.
Before you type anything.
Do I upload my renewal letter?
No. You type five or six numbers off it: what you pay now, what the letter says you'll pay, your ZIP, the ages on the plan (or how many employees are enrolled), and the effective month. There is no upload, no scan, and no document parsing; the letter never leaves your desk.
What exactly do you store?
A derived record of the numbers you typed and what we computed from them: the market, the two monthly premiums and the percentage change, your ZIP and its county, ages or group-size band, the premium-tax-credit flag, the effective month, the care profile, the computed figures, and standard campaign attribution. Your email only if you enter it, and a yes/no reporter flag only if you tick it. Never the letter, a name, an address, a member id, or the carrier. The full list is on our privacy page.
Why is the card a 12-month true cost and not a premium?
Because sorting plans by premium is the mistake the letter invites. Across Georgia's counties, picking the cheapest premium instead of the cheapest full year costs a median of hundreds of dollars a year (see our plan-choice statistics). The card carries the lowest modeled full year, premium plus modeled cost-sharing under a labeled care profile, and never a premium alone.
Is the county figure a quote for me?
No. It is the lowest modeled 12-month cost among the plans filed for your county at your ages, under an illustrative care profile, from the 2026 plan set; 2027 filed rates replace it when they are final. It is not an offer, not an eligibility determination, not a recommendation, and not the same quantity as the premium on your letter: the page says so next to both numbers.
Why no carrier or plan names?
Two reasons. We publish nothing per carrier in this version, so we don't collect it into the record. And the county figure is a minimum across every filed plan, not a specific plan you should buy; naming one would turn a statistic into a recommendation.
What happens with all the letters?
They become one public page: the distribution of what Georgians actually received on their renewal letters, individual and small group, once at least 25 letters are in, with any county under 10 letters folded into its rating area. Georgia publishes one average increase; this shows the spread of real letters, age-up, credit changes, and plan crosswalks included.
Read the letter. Then read the market.
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. Insurf is not affiliated with or endorsed by any carrier, Georgia Access, or any state. The county figure is modeled from filed public data under labeled assumptions using the 2026 plan set; proposed 2027 rates are not final. Informational only: not an offer of coverage, not an eligibility determination, not a recommendation to accept or decline any renewal or to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Your costs will differ.