May 7, 2026
For Newnan-based insurance agent Kandice Bell, rising Affordable Care Act monthly premiums meant more difficult conversations with returning clients during open enrollment for this year.
“I had so many phone calls,” Bell said. “Even now, I still get phone calls about the premium hikes.”
ACA premiums are up for most people with a marketplace plan since the end of last year, when Congress didn’t extend the enhanced premium tax credits that had subsidized premiums. Now, 80% of returning enrollees are paying more out of pocket for coverage, according to KFF Health News…
“The early data that’s come out is pretty consistent with our expectations,” said Laura Colbert, executive director for the nonprofit healthcare policy group Georgians for a Healthy Future.
“We would see a lot of folks deciding that they can’t both afford these premiums and their other everyday living costs that are also increasing.”
Georgia’s lack of full Medicaid expansion has led more people with incomes just above the federal poverty limit to enroll for a private marketplace plan, which until this year, would have been discounted, Colbert said.
“Because the subsidies expired, they no longer have a $0 monthly premium. It’s going to be a modest premium because of their income, but for folks making $16,000 a year, even a $15 monthly premium can be too much. And so, I expect that a big chunk of our coverage losses in Georgia will be those folks who are lowest income in the marketplace,” she said.
“Georgia will likely see a greater drop in our enrollment than in other states because we have such a large proportion of lower-income consumers in the marketplace.”