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Georgia Access is Georgia's State-based Marketplace (SBM). HealthSherpa is an Enhanced Direct Enrollment (EDE) partner for Georgia Access, giving agents the ability to shop, apply, & manage enrollment submissions directly on HealthSherpa.

In this article we'll cover:

To enroll consumers in Georgia, agents must:

The same HealthSherpa account can be used for both Federally Facilitated Marketplace (FFM) and Georgia Access enrollments. In HealthSherpa accounts that include the Clients & Leads pages, Georgia Access consumers appear alongside consumers in FFM states.

Agents who sell only in Georgia do not need to integrate an FFM account, but will need to use multi-factor authentication (MFA).

Agents are required to complete Georgia Access' annual certification and pass the exam to enroll consumers in Georgia.

Agents will need to sign in or create a Georgia Access Certification Platform account before starting training. Additional details about training types, estimated time commitments, & more are available on the Georgia Access Agents page.

Once Georgia Access certification is complete, Georgia Access will send an email with instructions to activate the Georgia Access Agent Portal account. Completing this activation ensures that the agent's National Producer Number (NPN) is properly applied as Agent of Record (AOR) on Georgia applications.

If Georgia enrollments are not showing the correct AOR, additional Georgia Access certification steps may need to be completed.

To protect consumer security and application integrity, agents enrolling Affordable Care Act (ACA) consumers in Georgia must complete an additional authorization step to access or submit applications. This authorization takes the form of a one-time passcode (OTP) that the consumer must provide before the agent can interact with an existing application or create a new one on their behalf.

Consumer authorization is required at the search & claim step for Georgia Access applications when a consumer is not already in the agent's book within HealthSherpa.

Consumer authorization is not required for consumers already in the agent's book within HealthSherpa.

A one-time passcode (OTP) can be sent from HealthSherpa or sent manually by verifying the consumer's identity.

Consumers who are new to Georgia Access may be asked to verify their identity when being assisted by an agent in order to proceed with an application. This is separate from consumer OTP authorization and may occur regardless of whether consumer authorization is required.

When renewing consumers in Georgia for plan year 2026, agents are prompted to search & claim the consumer's updated plan year 2026 application, which Georgia Access creates in advance. These applications may appear as Completed or Enrolled when searching.

Georgia Access resolved an issue that was preventing plan year 2026 applications from returning in search & claim on November 5, 2025. The following updates have since been made to the HealthSherpa account to clarify the Georgia renewal workflow:

Aetna is leaving ACA marketplaces starting January 1, 2026. Georgia Access did not crosswalk Aetna plans for plan year 2026, so consumers previously enrolled in Aetna plans do not have plan year 2026 coverage unless they are actively renewed. A renewal record may exist, but coverage is not in place until the consumer is actively renewed into an available plan.

Active renewals are encouraged to ensure NPN accuracy, give consumers the opportunity to update their plan, and confirm they have suitable coverage for the upcoming plan year.

If available plans should be viewed before updating an application, agents may do so using the Quoter.

Georgia releases plan data on its own schedule outside of the Centers for Medicare & Medicaid Services (CMS). As an SBM, Georgia approves plan data with carriers and distributes it to web brokers and EDE partners, similar to how CMS does for FFM states.

No. Subsidy levels for advance premium tax credit (APTC) and cost-sharing reduction (CSR) eligibility are set at the federal level. Georgia uses the same Federal Poverty Level (FPL) Guidelines as the FFM. The 2025 FPL chart will be used to determine subsidy eligibility during the plan year 2026 Open Enrollment Period.

If selling only in Georgia for plan year 2026, only Georgia Access certification for plan year 2026 is required. FFM certification is not required. If FFM certification is not completed for plan year 2026, CMS will revoke access to plan year 2025 FFM applications once CMS processes role revocations (typically in late October).

To sell in other states for plan year 2026, certification requirements vary by state and marketplace type.

Georgia Access has not placed restrictions on residency. Agents who are licensed with the state of Georgia and certified with Georgia Access can write or renew Georgia consumers through HealthSherpa regardless of residency.

Yes. NPN Override functionality is available in Georgia. Agents must continue to follow applicable state appointment and certification laws, including carrier appointment requirements where applicable.

No. According to Georgia Access, consumers must agree to share data with Georgia Medicaid as part of their eligibility determination.

No. The Georgia Access Agent Portal is only accessible through EDE. Double Redirect (DRD) is not supported by any EDE entity, including HealthSherpa.

ICHRA questions continue to be included in Georgia applications.

No. The Georgia Access transition does not impact payment options. Carriers with payment integration will continue to use that as their primary payment redirect connection.

Anything related to plan year 2024 plans should be directed to CMS. Anything related to plan year 2025 and beyond, qualified health plans (QHPs), & agent licensing should be directed to Georgia Access.

Search results may not return for a Georgia consumer if that consumer is not listed as the primary contact on the application. If a consumer claims to have active coverage but does not appear in search results:

If a dependent wants to leave an application to submit their own, the dependent must first be removed from the current application. After Georgia Access processes the removal, which may take up to 24 hours, a new application can be submitted. Submitting a new application before removal is processed will result in a duplication block from Georgia Access.

If the error "User unauthorized to access EDE for Georgia Access" appears:

A blank AOR on renewal applications is often caused by an inactive Georgia Access Agent Portal account. After completing Georgia Access certification, agents receive an email with activation instructions. Completing activation ensures the NPN is properly applied as AOR on Georgia submissions.

Additional steps that may need to be completed within the Georgia Access Agent Portal include:

For activation issues, contact the Georgia Access Contact Center at 888-312-4237.

Agents who are not FFM certified but are certified to sell through a supported SBM such as Georgia Access should contact Agent Support. Agent Support can manually complete identity verification so the agent can proceed.

The list of acceptable documents for verifying information in Georgia is available on the Georgia Access Help Center.

Similar to the CMS Invalid Action error, Georgia Access may generate an Invalid Action error for enrollment submissions. Agents who complete consumer authorization are unlikely to encounter this error. Agents who do encounter the Georgia Access Invalid Action error will be routed through a verification process.

For help using HealthSherpa or for other assistance, contact Agent Support. Agent Support is available by phone at (888) 684-1373, by email at Agent_Support@HealthSherpa.com, or by chat directly from your account.