Health Insurance in Georgia

October 10, 2018
2 minute read

Protecting your family’s health is important, so health insurance should be one of your most important purchases. Georgia residents have many options when it comes to buying insurance, including low-cost options. The Affordable Care Act (ACA) healthcare marketplace (also known as Obamacare health insurance) can help you pay for some of these options with income-based subsidies.

If you’re unsure about what your options are when it comes to buying health insurance, HealthMarkets can help. We work with a network that includes hundreds of insurance companies nationwide to provide you with a number of policies.

Georgia’s Health Coverage Facts

Even after the passing of the ACA in 2010, Georgia is still experiencing some of the worst uninsured rates in the United States. More than 240,000 Georgians who made below the Federal Poverty Level were left without health insurance coverage in 2017 due to the state’s decision to not expand Medicaid eligibility.

However, in 2018, more than 480,000 Georgia residents purchased a health insurance plan through public or private marketplaces like HealthMarkets.

At HealthMarkets, we want to help more Georgians access the healthcare they need, regardless of their income level. With the ACA’s subsidy program still in place, Georgia residents have more options than ever to find affordable health insurance.

Subsidies to Pay for Health Plans in GA

From covered preventive services to subsidy programs, the ACA has created many ways for families of all income levels to afford paying for health insurance or other protections, regardless of which tiered plan they purchased.

10 Essential Health Benefits

As mandatory coverage, every health insurance plan should come with 10 essential health benefits. These benefits are required to be covered by health insurance providers, so long as services are done through doctors and specialists who work within the provider’s network. These benefits include:

  1. Prescription drugs
  2. Pediatric services
  3. Preventive and wellness services, and chronic disease management
  4. Emergency services
  5. Hospitalization
  6. Mental health and addiction services
  7. Pregnancy, maternity, and newborn care
  8. Ambulatory patient services
  9. Laboratory services
  10. Rehabilitative and habilitative services and devices

In addition to covered services, the ACA also provides subsidy programs to help low-income families pay for monthly premiums and out-of-pocket costs.

Premium Tax Credit

This tax credit is a type of subsidy that helps low-income families making between 100 percent and 400 percent of the Federal Poverty Level pay for their monthly premiums. This is done by either having the government pay credit directly to your health insurance provider to supplement the cost of your monthly premiums or by allowing you to file a tax return to claim the monthly premiums you’ve paid.

Cost-Sharing Reduction

This cost-sharing reduction is a type of subsidy that helps families making a modest income between 100 percent and 250 percent of the Federal Poverty Level pay for their out-of-pocket costs. This means that their health insurance provider can cover a larger percentage of their deductibles, copayments, and coinsurance costs when they receive service, more than their policy initially states.

HealthMarkets Finds Affordable Health Insurance for Georgia

No matter what your situation, HealthMarkets agents in Georgia can help. We’re ready to enroll you and your family in a plan that meets your needs and your budget.

Give us a call at (800) 360-1402 or get a health insurance quote online at no cost to you and get started today.

 

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© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMIAMKT0040

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMIAMKT0040

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMIAMKT0040