Health Coverage That Works for You
Whether you’re self-employed, between jobs, or simply looking for better rates, Georgia Access health insurance lets us compare every plan available and find the right fit for your health and your budget.
Georgia Access Health Insurance Plans
Georgia Access health insurance — Georgia’s official ACA marketplace — offers quality coverage for individuals and families who don’t have access to employer-sponsored plans. Kast Insurance helps you navigate all your options on Georgia Access, including plans that accept pre-existing conditions.
As a licensed independent broker, we have access to every plan available on Georgia Access, plus off-exchange options. That means we compare everything and present you with the options that make the most sense for your specific situation.
- Open Enrollment and Special Enrollment Period guidance
- All metal tiers: Bronze, Silver, Gold, and Platinum
- Pre-existing conditions covered - no denials
- Private Health Insurance Placement
- Compare HMO, PPO, and EPO network types
- Prescription drug coverage comparison
- 1099 Employee Plans
Tax Credits & Subsidies
Many people are surprised to learn they qualify for significant financial help paying their monthly premiums. Federal premium tax credits and cost-sharing reductions can dramatically lower the cost of marketplace plans.
We’ll help you determine your eligibility based on your household income and size – and make sure you’re not leaving money on the table. For Georgia residents, we also work with Georgia Access, the state’s health insurance marketplace.
- Advanced Premium Tax Credits (APTC)
- Cost-Sharing Reductions (CSR) on Silver plans
- Georgia Access enrollment support
- Federal marketplace enrollment
- Employer plan vs. individual plan comparisons
Understanding Your Coverage Options
Not sure what type of plan is right for you? Here’s a quick overview of the most common individual health plan types.
HMO Plans
Health Maintenance Organization plans require you to stay in-network and have a primary care physician. Generally lower premiums, ideal for predictable healthcare needs.
PPO Plans
Preferred Provider Organization plans offer flexibility to see any doctor without a referral. Higher premiums, but more freedom to choose your providers.
EPO Plans
Exclusive Provider Organization plans combine elements of HMOs and PPOs - no referrals needed, but you must stay in-network except for emergencies.
Prescription Coverage
All marketplace plans include prescription drug coverage. We compare formularies to ensure your specific medications are covered at the lowest possible cost.
Dental & Vision Add-Ons
Standalone dental and vision plans can be added to your health coverage. We'll help you evaluate whether bundled or separate plans give you better value.
Family Plans
Cover your entire family on one plan. We'll help you understand how family deductibles work and find plans with the best pediatric care benefits.
When Can You Enroll?
Health insurance has specific enrollment windows. Here’s what you need to know.
Open Enrollment
The annual Open Enrollment Period typically runs November 1 through January 15. This is when anyone can enroll or change their plan.
Special Enrollment
Life events like losing job-based coverage, getting married, having a baby, or moving trigger a Special Enrollment Period (SEP) - typically 60 days.
Annual Review
Even if you're happy with your plan, we recommend a yearly review. Premiums, networks, and formularies change - and a better option may be available.
Call Us Anytime
Not sure if you qualify for a Special Enrollment Period? Call us - we'll check your eligibility and let you know your options at no charge.
Frequently Asked Questions
Yes. Under the ACA, insurance companies cannot deny you coverage or charge you more because of a pre-existing condition. All marketplace plans cover pre-existing conditions from day one.
Costs vary based on your age, location, plan type, and whether you qualify for tax credits. Many clients pay significantly less than expected after applying available subsidies. Contact us for a free quote.
No. Our services are completely free to you. Our compensation is built into the plan premiums – the same amount you’d pay if you enrolled on your own, but with expert guidance.
A deductible is what you pay before insurance kicks in for most services. The out-of-pocket maximum is the most you will ever pay in a year – after that, insurance covers 100%. We explain all these terms in detail during your consultation.
It depends on the plan’s network. We’ll check whether your preferred doctors and hospitals are in-network for each plan we recommend before you enroll.
Carriers We Represent
