ATLANTA, Ga. – Many Georgians are facing a tough situation as COVID-19 tax credits disappear, leading to a dramatic rise in health insurance premiums for 2025. A recent review of Georgia Access enrollment data reveals that premiums for several residents are soaring—some are tripling or even quadrupling.
For instance, in DeKalb County, a couple earning $85,000 will see their monthly premium jump from $350 to nearly $1,150. Similarly, a family of five in Gwinnett County is looking at skyrocketing costs—from $200 to $555 per month. To add to the burden, some enrollees are facing deductibles as high as $15,000.
According to experts at Mercer, a financial consulting firm, employer-sponsored health insurance will also likely increase by 6% to 7% due to rising healthcare expenses.
Tips for Choosing Coverage
If you’re shopping for health insurance for the year ahead, here’s what to consider:
Review Your Enrollment Status: Make sure you’re not set to auto-enroll in last year’s coverage. With tax credits reduced, your previous plan may not be the best fit anymore.
Balance Premiums and Deductibles: If you can’t manage high upfront costs, look for plans with lower premiums but higher deductibles later. This can help save money if needed for extensive medical care.
Check Provider Networks: Make sure your preferred healthcare providers accept the insurance plan you choose. Staying with your preferred doctor can save you from unexpected costs.
Explore Preventative Services: Many plans cover routine check-ups, vaccinations, and screenings at no extra charge. Make sure to take advantage of these benefits.
Key Enrollment Dates
If you need coverage starting January 1, be mindful of the following deadlines:
- Nov. 1, 2025: Open enrollment begins.
- Dec. 15, 2025: Last day to enroll for coverage starting January 1, 2026.
- Jan. 15, 2026: Open enrollment ends; this is the final day to enroll for coverage beginning February 1, 2026.
Georgia Access provides a premium estimate tool to help you navigate your healthcare options.
Resources and Support
For assistance with enrollment, consider these resources:
- HealthCare.gov – Find plan comparisons and helpful FAQs.
- Call the marketplace customer service line at 1-800-318-2596 if you have questions.
- Certified navigators and insurance brokers can help you compare plans and find hidden costs. Check state health department sites for guides on hiring navigators.
Beware of Scams
Scammers often target consumers during open enrollment. Be cautious if someone calls and asks for personal information like your Social Security number or bank details. Stick to certified navigators and licensed brokers, and verify their credentials through official state or federal websites.
If you suspect fraud, report it to the Federal Trade Commission. Keeping to trusted resources, like HealthCare.gov and the Georgia Department of Community Health, ensures a safer enrollment experience.
Navigating health insurance can be daunting, especially with rapidly changing costs. Stay informed and proactive to find the best plan for your needs.
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