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Updated: Why ACA Premiums May Soon Become Less Affordable and What an Expiring Tax Credit Could Mean for Georgia Families

Millions of Georgians Could Face Big Increases in Health Insurance Costs—Here’s What You Need to Know
Young people spitting at table and looking at laptop

Update – August 2025: Enhanced Affordable Care Act premium tax credits (ePTCs) still expire on December 31, 2025, unless Congress acts. In 2025, Georgia Access enrolled over 1.5 million Georgians, 93% of whom depend on these subsidies to make health coverage affordable. Without an extension, premiums in Georgia are projected to jump over 75% on average, and most 2026 insurer filings already assume the credits will lapse. A typical example: a 60-year-old couple earning about $85,000 would pay roughly $18,000 more per year if the ePTCs disappear. The premium increases resulting from the expiration of the ePTCs could cause about 340,000 more Georgians to become uninsured. In short: swift Congressional action to extend the ePTCs—ideally before rate finalization—would prevent sharp premium spikes for Georgia families and avert significant coverage losses. 

See how costs could rise in your Congressional district or use the calculator to estimate cost increases based on your income information — then contact your members of Congress today and tell them to extend the enhanced premium tax credits to keep health care affordable for Georgia families.

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Help Protect Health Care in Georgia — Share Your Story by August 15th!

Georgians with Medicaid or Georgia Access coverage: Your story matters.

Georgians for a Healthy Future is partnering with Families USA to amplify the voices of Georgians who rely on Medicaid and affordable health coverage. If you’ve been helped by Medicaid or the enhanced premium tax credits through Georgia Access, we invite you to share your story.

Why Your Story is Important

Right now, health care protections are at risk. With federal cuts to Medicaid on the horizon and the possible expiration of enhanced tax credits, it’s more important than ever for Georgians to speak up and make their voices heard. Your story can help policymakers understand how these programs affect real lives — and why they need to be protected.

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Join GHF’s New Caregiver Coalition and Help Shape Better Policies

Are you a family caregiver in Georgia? Do you support a loved one with a disability, complex health needs, or age-related challenges? If so, your voice is urgently needed.

Georgians for a Healthy Future is launching a new Caregiver Coalition, and we want you to be part of it.

Why Join the Caregiver Coalition?

Family caregivers play a critical role in supporting the health and well-being of Georgians. Whether you care for an adult or child with an intellectual or developmental disability, a physical disability, an aging family member, or someone with complex health needs, your experiences matter.

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Will Washington Roll Back Georgia’s Coverage Gains?

What the House Budget Bill Could Mean for Georgia Access

Background

On May 22, the U.S. House passed a sweeping budget bill, known as the “One Big Beautiful Bill” Act. The budget bill proposes significant changes to the Affordable Care Act (ACA) Health Insurance Marketplace, which is known as Georgia Access in our state. Proponents say these changes will cut costs, but they would also make it harder for many Georgians to enroll in or keep their health coverage.

The Senate is now making its changes to the bill, but what those changes will look like is unclear. As currently written, projections from the non-partisan Congressional Budget Office (CBO) show the House’s changes would reduce overall Marketplace enrollment and increase the uninsured rate nationally and in Georgia. If the budget bill passes as currently written, the combination of Marketplace (including allowing the expiration of the enhanced premium tax credits) and Medicaid changes could lead to an estimated 560,000-940,000 Georgians becoming uninsured.[1] (Notably, some of the marketplace changes presently in the bill are also under consideration by the Centers for Medicare & Medicaid Services (CMS), meaning they could be authorized through federal regulation even without new legislation.)

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GHF Legislative Update: April 01

LEGISLATIVE UPDATE: WEEK 11

The 2025 legislative session is in its final stretch, with just a few days left until Sine Die (the last day of the session) on Friday, April 4th. Lawmakers are racing to finalize key bills and the state budget—and there’s still time for you to speak up.

Things can move quickly in these final days, and last-minute advocacy opportunities may arise. Stay connected with us on social media throughout the week so you don’t miss a chance to take action when it matters most.

After the session ends, we’ll share a full recap, including updates on health care bills that passed (or didn’t), what it all means for Georgians, and any health-related study committees that will convene before next year’s session. In the meantime, you can check out our bill tracker to follow the legislation we’re monitoring as we get closer to Sine Die.

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GHF Legislative Update: March 24

LEGISLATIVE UPDATE: WEEK 10

The 2025 legislative session is in its final stretch, with two weeks left until session ends on April 4th. With only a few legislative days left, lawmakers are working quickly to finalize key bills and the state budget. You can view the legislative schedule here

Ending the Practice of Subminimum Wage in Georgia

Last week, the House passed Senate Bill 55, the Dignity and Pay Act. The bill now heads to the Governor for final approval. SB 55 phases out the use of 14(c) certificates in Georgia to pay subminimum wages (below the federal minimum wage of $7.25/hr) to workers with disabilities.

Initially intended to promote employment for disabled veterans, Section 14(c) of the 1938 Fair Labor Standards Act (FLSA) permits paying people with disabilities wages below the statutory federal minimum wage. Section 14(c) can no longer apply to disabled veterans, yet it remains a legal way to pay people with disabilities – usually people with developmental disabilities (DD) – below minimum wage. (Employers using 14(c) waivers often pay disabled employees just pennies per hour.) More than 85 years after the law’s initial passage, the policy has frequently led to exploitation—leaving workers with developmental disabilities earning wages far below the poverty line in roles that offer little chance for growth or advancement.

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GHF Legislative Update: March 17

LEGISLATIVE UPDATE: WEEK 9

With Crossover Day behind us, the pace at the Capitol is picking up. Lawmakers are moving quickly to debate and vote on bills that survived the deadline, while the budget process moves full speed ahead.

Take Action: Advocate for More GHVP Funding!

The Georgia Housing Voucher Program (GHVP) was created to help Georgia meet its legal obligations under the Olmstead Agreement, which requires the state to provide community-based housing for people with serious and persistent mental illness (SPMI) instead of institutionalizing them. GHVP is a permanent supportive housing program that helps these individuals secure stable housing, avoid homelessness, and access essential services. The program directly pays rent to landlords and provides ongoing support to keep residents housed and connected to care.

Despite its success, GHVP has been underfunded for years. The House added $1.7 million for GHVP in the FY26 budget, but at least $20 million more is needed to expand housing support and fulfill Georgia’s legal and moral obligations. We need your help to urge the Senate Appropriations Health and Human Resources Subcommittee and Appropriations Chair Blake Tillery to increase GHVP funding by $20 million.

Contact the Senate Appropriations Committee today!

House Passes FY26 Budget – What’s Next?

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GHF Legislative Update: March 10

LEGISLATIVE UPDATE: WEEK 8

Crossover Day has come and gone, and the final stretch of the 2025 legislative session begins!

With just 12 legislative days left before Sine Die on April 4, lawmakers will move quickly to vote on the bills that made it through this key deadline. The legislature will pack the next three weeks with committee hearings, floor votes, and last-minute negotiations.

We’re thrilled to share that HB 291, the Community Health Worker certification bill, passed the House late Thursday night! The House passage of HB 291 is a big win for Georgia’s Community Health Workers and the communities they serve. Join us in sending a huge “Thank you!” to our partners at Georgia Watch and all the advocates who worked tirelessly to get this bill through the House—your efforts made this progress possible! Let’s keep up the good work to ensure this bill successfully passes through the Senate! 

Keep reading for a full breakdown of what survived Crossover Day and what comes next for health care at the Capitol.

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Urgent: Public Comment Period Extended – Speak Up Before March 19

The Georgia Department of Community Health (DCH) has reopened the public comment period for the Pathways to Coverage® waiver extension. The new deadline to submit comments is March 19, 2025. This means you have another chance to speak up and demand better health care for Georgians. 

Pathways to Coverage launched in July 2023 as a Medicaid program that requires participants to work or meet strict activity requirements to keep their health coverage. Unfortunately, the program has failed to deliver. For example:

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GHF Legislative Update: March 04

LEGISLATIVE UPDATE: WEEK 7

New Bill to Protect Free Preventive Care (SB 262) Introduced

Last week, Senator Halpern introduced Senate Bill 262 with the support of six Republican co-sponsors! This bill is crucial to ensure that Georgians can continue accessing life-saving preventive health services without facing financial barriers.

Why This Matters

Since 2010, most health plans have been required to cover critical preventive services— such as cancer screenings, routine wellness visits, and mental health screenings—at no cost to patients. However, this vital benefit is under serious threat.

This summer, the U.S. Supreme Court will rule in Kennedy v. Braidwood, a lawsuit that seeks to overturn the free preventive services requirement. Nearly 5 million Georgians could lose guaranteed access to no-cost preventive care if the Court strikes down these protections.

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GHF In The News

Jul 28, 2025
Do 'work requirements' in Medicaid work? Georgia's been trying it for two years
Jess Mador

Now that Republicans’ big tax-and-spending bill has become law, there will be new bureaucratic hurdles for millions of Americans who rely on Medicaid for health coverage. The new law contains a provision…

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