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Call Us NowRequest a Free QuoteUnitedHealthcare is leaving Georgia Access, Georgia's ACA Marketplace, on January 1, 2027. UnitedHealthcare had asked for a 54% rate increase for 2027. State regulators pushed back, and the company chose to exit. Cigna is also leaving Georgia Access.
If you have a UnitedHealthcare Marketplace plan through Georgia Access, your coverage continues through December 31, 2026 as long as you pay your premium. To avoid a gap, pick a new plan by December 15. A licensed Vivna agent can compare every plan in your ZIP code for free. Call 888-730-6031.
- UnitedHealthcare Marketplace plans on Georgia Access end December 31, 2026.
- UnitedHealthcare will keep selling off-exchange individual and family plans in Georgia, but those plans do not get premium tax credits.
- Georgia Access open enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for January 1 coverage.
- Eight insurers sell Georgia Access plans for 2027, including Antidote Health, which is new.
What Is Changing for UnitedHealthcare in Georgia
UnitedHealthcare is leaving only the Marketplace. It said it will keep serving Georgians through off-exchange individual and family plans, employer plans and Medicare plans.
| UnitedHealthcare coverage in Georgia | 2027 status |
|---|---|
| Georgia Access (Marketplace) plans | Ending December 31, 2026 |
| Off-exchange individual and family plans | Continuing, no premium tax credits |
| Employer group plans | Continuing |
| Medicare plans | Continuing |
| Short Term Medical and TriTerm Medical | Sold in Georgia, not ACA coverage |
When Your UnitedHealthcare Plan Ends
Your current UnitedHealthcare Marketplace plan stays in force through December 31, 2026 if you keep paying premiums. Claims for care you get in 2026 are still covered under your plan rules.
Starting January 1, 2027, the plan ends. Doctors and pharmacies will no longer accept your UnitedHealthcare Marketplace ID card for 2027 services.
What You Need to Do Now
- Pick a new plan by December 15 so coverage starts January 1 with no gap.
- Do not rely on auto-renewal. The Marketplace may move you into a plan from another insurer, but it may not have your doctors or the lowest price.
- Update your 2027 income so your premium tax credit is right.
- Check doctors and prescriptions in each new plan's network and drug list.
- Restart any prior authorizations and ask your doctor about continuity of care if you are in treatment.
- Plan for a new deductible. Your new plan starts a new deductible on January 1.
We compare every Marketplace insurer in your ZIP code, check your subsidy and handle the switch at no cost to you. Call 888-730-6031 or request a free quote.
Your Replacement Options
If you get a premium tax credit: pick a Georgia Access plan from another insurer so you keep your subsidy. Georgia Access insurers for 2027 include Alliant, Ambetter, CareSource, Kaiser, Oscar, Antidote and others. Finalized increases range from about 11% to 29% before subsidies. If you do not qualify for a subsidy: a UnitedHealthcare off-exchange ACA plan may let you stay with UnitedHealthcare and its network. Compare it with Georgia Access plans at full price. If you are healthy and between coverage: UnitedHealthcare Short Term Medical and TriTerm Medical are sold in Georgia. They are not ACA coverage and can exclude pre-existing conditions. See Georgia short-term health insurance rules.Read our full Georgia Access open enrollment guide.
Key 2027 Deadlines
| Date | What it means |
|---|---|
| November 1, 2026 | Open enrollment opens on Georgia Access |
| December 15, 2026 | Enroll by this date for coverage starting January 1, 2027 |
| December 31, 2026 | Your UnitedHealthcare Marketplace plan ends |
| January 15, 2027 | Open enrollment closes on Georgia Access. Plans picked now start February 1 |
Losing coverage because your insurer leaves may also qualify you for a special enrollment period, but do not wait. Picking a plan during open enrollment is the only way to avoid a gap.
If Your Insurer Is Leaving, You Are Not Alone
At least a dozen insurers announced Marketplace exits for 2027, according to healthinsurance.org, including Cigna in 11 states. See our guides to Cigna leaving the Marketplace, Molina, CareSource and what to do when your insurer leaves.
UnitedHealthcare Leaving Georgia Access: FAQ
Is UnitedHealthcare leaving Georgia?
Only the Georgia Access Marketplace. UnitedHealthcare will still offer off-exchange individual plans, employer plans and Medicare plans in Georgia.
When do UnitedHealthcare Georgia Access plans end?
December 31, 2026.
Can I keep UnitedHealthcare?
Yes, through an off-exchange plan, but you would lose any premium tax credit.
Why is UnitedHealthcare leaving?
It requested a 54% rate increase for 2027. State regulators pushed back, and the company decided to leave the Marketplace.
Next Steps for UnitedHealthcare members
Choose a new plan by December 15 so your coverage continues on January 1. Compare premiums, deductibles, networks and drug coverage, and update your income. See open enrollment deadlines by state.
Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.
Sources
- Becker's Payer: UnitedHealthcare to exit Georgia's ACA marketplace in 2027
- Medical Daily: Georgia Access premiums for 2027
- Georgia Access
- healthinsurance.org: Insurers exiting the Marketplace for 2027
Related Guides
- What to do if your insurer leaves
- Cigna leaving the Marketplace
- Open enrollment deadlines
- How to compare Marketplace plans
About the author: Michael Sprague
Michael co-founded Vivna Insurance, a licensed independent agency in Deerfield Beach, Florida. He has worked in health insurance sales for more than a decade. Today, he helps Florida families and self-employed clients compare marketplace, short-term and supplemental plans. Licensed health insurance agent, Vivna Insurance (Agency NPN 19168641). Call 888-730-6031.
Reviewed by Heather Sprague, licensed health insurance agent.
Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.
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