Explore Enrollment Options for Small Businesses
If you are self-employed or own a small business, it can be challenging to find affordable health insurance options. View your small business health insurance options below to find what works best for your needs.
In addition, there may be other health insurance coverage options available to you, including off-Exchange small group plans or association plans.
Small Business Health Options Program (SHOP)
Georgia Access certifies plans which are available for small business with up to 50 employees. Employers who use SHOP may be eligible for a tax credit for up to two consecutive years.
LEARN MOREIndividual Coverage Health Reimbursement Arrangements (ICHRAs)
Rather than provide traditional Employer-Sponsored Insurance, businesses can give contributions to their employees through a health saving account through an ICHRA, which is a health savings account, to buy plans on Georgia Access. Remaining funds can be used to pay for qualified medical expenses. ICHRA contributions are tax-exempt and there is no set limit. Note, large employers offering ICHRAs must contribute enough funding to allow their employers to buy coverage on the Exchange that meets the affordability thresholds set by the Internal Revenue Service (IRS).
Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs)
QSEHRAs are health savings accounts available to small businesses with 50 or fewer full-time employees. Businesses contribute funds which employees can use to purchase health insurance on Georgia Access and pay for medical expenses. Employees may be able to combine the QSEHRA funding with Premium Tax Credits (PTCs).
Self-Employed Georgians
You can enroll in health insurance coverage on Georgia Access if you are a freelancer, consultant, independent contractor, or other self-employed worker. You may be eligible for financial assistance depending on your income.
Complete a Georgia Access application within the Georgia Access consumer portal or with an agent, insurance company, or web broker to see how much financial assistance you may be eligible for.
EXPLORE ENROLLMENT OPTIONSNeed more help?
Contact your certified agent or insurance company for tailored information and options for your small business.
You can also reach out to the Georgia Access contact center at 1-888-687-1503 (TTY Line 711) for questions related to the SHOP application or the eligibility determination.