REQUEST AN INSURANCE CHECK & UPDATE

( Make sure you have the best insurance plan possible )

    ​​Enrollment Terms and Conditions:

    ​To complete the checkout process, read the Marketplace Agreement below and type your full name in the space below to sign the agreement. Your full name in the box below constitutes your "eSignature" and it means that (i) you are sure about the plans you selected, (ii) you have read all terms and conditions, and (iii) you are indicating your intention to create a legally binding and enforceable contract. If you are eligible for and have chosen to use some or all of your premium tax credit, you must review and accept the statements related to premium tax credits and federal income taxes. When you click Enroll, Georgia Access sends your information to the insurance company who offers your plan. You may have the option to make your initial payment after selecting Enroll depending on the insurance company for your plan. If the initial payment cannot be made at this time, the insurance company will contact you for payment and to finalize enrollment. If you have been terminated for non payment of premiums by a health insurance company on the Marketplace, your new enrollment may be denied at the company’s discretion. Important: Please verify your providers and drug benefits directly with your health insurance company prior to receiving care as there may be changes throughout the year.

    ​MARKETPLACE AGREEMENT:

    ​​​I understand that I am required to submit changes that affect my eligibility, including income, dependency changes, address, and incarceration. These changes could affect the plans in which I can be enrolled. Outside of the Open Enrollment period, I cannot change plans unless I have a qualifying life event, such as moving, getting married, or having a baby. I understand that the health plan coverage documents outline terms and conditions of coverage.

    Tax Filer Agreement

    I agree to file a 2025 Tax Return before April 15, 2026 to claim the Premium Tax Credit. I understand that I am required to submit changes that affect my eligibility, including income, dependency changes, address, and incarceration. These changes could affect the plans I can be enrolled. I cannot change plans unless I have a life triggering event.
    Please note that we need to call you ( from 912-675-6958 ) for a better understanding of your benefit Eligibility.
Hardship Exemptions
There are circumstances that affect consumers' ability to purchase health insurance coverage and which qualify them for a hardship or affordability exemption for the purpose of obtaining catastrophic coverage. Only individuals under age 30 or individuals of any age with hardship or affordability exemptions may purchase a catastrophic coverage plan. Catastrophic plans typically have high deductibles, and mainly protect individuals with very high medical costs. To make the determination, the Marketplace considers whether an individual has experienced a qualifying hardship. 
The following provides a description of each type of hardship exemption event:
  • Homeless - The individual becomes homeless.
  • Eviction/Foreclosure - The individual has been evicted or is facing eviction or foreclosure.
  • Utility Shut-off - The individual has received a shut-off notice from a gas, water, or electric company.
  • Domestic Violence - The individual recently experienced domestic violence.
  • Family Member - The individual recently experienced the death of a close family member.
  • Disaster - The individual recently experienced a fire, flood, or other natural or human-caused disaster resulting in substantial damage to individual property.
  • Bankruptcy - The individual filed for bankruptcy.
  • Medical Expenses - The individual incurred medical expenses that resulted in substantial debt.
  • Family Care Expenses - The individual experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
  • Dependent Child - The individual expects to claim a child as a tax dependent who has been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child.
  • Eligibility Appeal - As a result of an eligibility appeals decision, the individual is determined eligible for enrollment in a QHP through the Marketplace, APTC, and/or CSRs for a period of time during which they were not enrolled in a QHP through the Marketplace.
  • Non-Medicaid Eligibility State - The individual was determined ineligible for Medicaid because their state did not expand eligibility.
  • Other - The individual experiences some other hardship in obtaining health insurance. Examples of other hardship circumstances that consumers may experience include:
    • The individual lives in a service area where there are no Marketplace QHPs available for the applicable plan year.
    • The individual lives in a service area where there is only one issuer offering Marketplace QHP coverage for the applicable plan year and the person can show that the resulting lack of choice has precluded them from obtaining coverage under a QHP.
    • The individual has a hardship in obtaining health insurance because they live in a service area where all affordable Marketplace QHPs offered for the applicable plan year provide coverage of abortions, contrary to the individual’s beliefs, and the absence of any affordable plan without such coverage causes a hardship in obtaining health insurance.
A consumer who has an affordability exemption may purchase a catastrophic plan, regardless of age. To qualify for an affordability exemption, the lowest priced coverage available to the consumer would cost more than the applicable contribution percentage of the consumer's household income. Find more information on HealthCare.gov (opens in a new tab).
​The following individuals are eligible to obtain coverage through the Marketplace:
  • U.S. citizen or national 
  • Lawfully present non-citizen 
  • Incarcerated individual pending the disposition of charges 
  • Residents of the state in which they are applying for coverage 
  • Individuals under 18 with a non-applicant parent 
  • Individuals recently experiencing hardships such as homelessness, natural disasters, or domestic violence
The following individuals are ineligible to obtain coverage through the Marketplace:
  • Non-citizen who is not lawfully present 
  • Incarcerated individual (not pending disposition of charges)
  • A household with no residents of the state in which they are applying for coverage 
  • Individuals under 18 without an adult filing the application


                          If you Have any other questions call insurance agent Dana Gaffney (912) 675-6958