Georgia Health Insurance Exchange

The Georgia Health Insurance Exchange will be operated through a federally-run health insurance exchange, also referred to as the Health Insurance Marketplace. Starting in October 2013 Georgia residents will be able to access information about all the plans available through the Exchange. The SHOP Exchange will also be available to small businesses with 100 or fewer employers. Coverage from the Exchange starts in January 2014.

According to an estimate by healthcare.gov, 1,698,880 or 20% of Georgia’s non-elderly residents are uninsured, of whom 1,592,480 (94%) may qualify for either tax credits to purchase coverage in the Marketplace or for Medicaid if Georgia participates in the Medicaid expansion.                       Georgia Health Insurance Exchange

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Georgia Health Insurance Exchange – What Plans will be Available?

All plans offered through the Georgia Health Insurance Exchange will meet the ACA definition of a Qualified Health Plan (QHP). The plans will be offered by level of coverage for essential health benefits (EHB), to allow consumers to compare plans on an “apples to apples” basis. The four “metal” levels are: Bronze (plan pays 60%), Silver (plan pays 70%), Gold (plan pays 80%) and Platinum (plan pays 90%). More information on the types of plans that will be available, and the carriers offering plans in Georgia, is expected by late summer 2013.

 

Rates for 2014 will be significantly higher, there will be fewer carriers, fewer plans and physician networks which are significantly smaller than current.

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