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Health insurance options for Georgians during COVID-19

An estimated 1.4 million Georgians have lost their health coverage due to job loss. If this is your situation, you can keep yourself and your family covered during this health crisis.

You have three main pathways to coverage:

  1. Affordable Care Act (ACA) coverage
    1. With financial assistance—half of Georgians who lose their insurance (775,000) will qualify for ACA coverage with financial help to lower the costs of monthly premiums and, in some cases, deductibles & co-pays.
    1. Without financial assistance—some Georgians, despite a job loss, will still make too much for financial help but you should still shop for coverage to see if there’s a plan that fits your new budget.
  2. Medicaid & PeachCare for Kids—About 25% of Georgians losing their health coverage may qualify for Medicaid. Georgians most likely to qualify for Medicaid coverage after a job loss include children, low-income pregnant women, and very low-income parents. Other Georgians who qualify for Medicaid are people with disabilities, seniors, and low-income women with breast or cervical cancer.
  3. COBRA—in most cases, you will be able to find less expensive coverage from the ACA marketplace. COBRA may be the best option for you if it is important that you maintain a consistent provider (pregnant women, people with chronic or complex conditions).

Some Georgians who have lost their health coverage due to job loss will fall in Georgia’s coverage gap because the state has not expanded Medicaid. This brings the total number of Georgians in the coverage gap to 436,000 (likely on the low end).

If you are in the coverage gap because you lost your job, please read the “If you are uninsured” section below. Then contact Georgians for a Healthy Future at 404-567-5016 x 2 to learn how you can share your story and help fix the problem!

Affordable Care Act (ACA) coverage

You may be eligible for a Special Enrollment Period up to 60 days after losing your job-based health insurance. You only qualify for coverage for 60 days after you lose your health coverage, so shop and enroll as soon as possible. Visit healthcare.gov to shop and enroll.

Financial assistance is available!

When you begin the shopping/enrollment process, healthcare.gov will ask you about your estimated income for 2020 and will let you know if you qualify for financial help to lower your premiums and other cost-sharing. Most Georgians qualify for financial help!

When you estimate your income, include the money you made from your job before you were laid off, any unemployment checks that you expect to receive, and any money that you expect to make from getting re-hired/a new job later in the year. Do not count your stimulus check as income!

For free help with the enrollment process, contact these organizations:

  • Insure Georgia, insurega.org, 866-988-8246
  • The Health Initiative, thehealthinitiative.org, 404-688-2524 (leave a voicemail in the general mailbox)— The Health Initiative may be especially helpful if you are an LGBTQ+ individual or if your health insurance covers an LGBTQ+ individual

Coverage through the ACA marketplace covers testing for COVID-19. It will also cover part or all of the costs related to COVID-19 treatment. Contact your insurance company for more information.

Medicaid and PeachCare for Kids

You can enroll yourself, your family, or your children in Medicaid or CHIP at any time, if you qualify. Enroll at gateway.ga.gov.

Children are most likely to qualify for Medicaid and PeachCare. Pregnant women and some parents may be eligible for Medicaid coverage depending on your monthly income. (The amount of unemployment that you get from Georgia counts as income but the additional $600 per week from the federal govt does not.)

Click here to see if you can qualify as a parent and to see if your kids qualify. If you are pregnant, you must make less than these amounts to qualify for Medicaid:

Medicaid is required to cover COVID-19 testing and treatment for free. In addition, you do not have to pay any Medicaid or PeachCare premiums or co-pays during the COVID-19 national emergency.

If you have or enroll in Medicaid coverage, you cannot lose that coverage or be disenrolled during the COVID-19 national emergency.

If you have questions about Medicaid and whether you qualify, call the Georgia Division for Family & Children Services at 877-423-4746.

You may also contact Atlanta Legal Aid (find the phone number for your county here) or Georgia Legal Services Program at 1-800-498-9469 with questions or concerns.

If you are uninsured/unable to get health coverage

Do not skip or avoid health care just because you are uninsured! You can get free or low-cost health services at:

References & resources

COVID-19 Town Hall PowerPoint slides by Center on Budget & Policy Priorities

Frequently Asked Questions by Center on Budget & Policy Priorities


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