HASTAC 2013 Blog Georgia’s ACA Marketplace Will Increase Coverage, But Trump’s Analysis Misses Key Factors

Georgia’s ACA Marketplace Will Increase Coverage, But Trump’s Analysis Misses Key Factors

A lot is at stake for Georgians who enroll in private, ACA Georgia  -compliant health insurance plans. That’s because, if their state does not pursue Medicaid expansion, these individuals will have no other option than to shop for coverage in the ACA marketplace during an open enrollment period that begins November 1 and ends January 15.

The Trump administration has consistently sought to undermine the ACA and to promote private insurance arrangements that discriminate against people with preexisting conditions. In 2018, it issued legally dubious guidance that allows states to seek waivers of the ACA’s consumer protections. Despite these setbacks, Georgia is now one of only five states to run its own marketplace for individual ACA-compliant health insurance.

The state says its plan will increase coverage, but there are several key factors that have not been accounted for in the administration’s analysis. First, new federal marketplace regulations will encourage enrollment and retention, especially among low-income people. In particular, they will extend the open enrollment period from December to January, a time of greater mental and financial stress. This will likely boost the number of people covered to a higher level than Georgia’s plan anticipates.

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Also, premiums in the Georgia market are significantly lower than a few years ago, thanks to a Biden administration initiative and other measures. That means subsidized premiums are more affordable for people making up to 400% of the poverty level ($15,060 in annual income for an individual). Consequently, many individuals who would have been ineligible for coverage under the ACA under the state’s waiver will be able to afford to sign up for Marketplace coverage.

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